Access Bank USSD Code: Transfer, Balance & Airtime (*901#)
Access Bank's USSD code is *901#. Dial it to transfer money, check your balance, buy airtime, and pay bills without internet. To transfer: dial *901# and select Transfer in the menu, or use the shortcut *901*amount*account#.
Access Bank USSD codes — reference
| Operation | Method (always correct) | Direct shortcut |
|---|---|---|
| Base code (USSD) | Dial *901# | *901# |
| Transfer | Dial *901#, then select Transfer from the menu | *901*amount*account# |
| Balance | Dial *901#, then select Balance from the menu | *901*5# |
| Airtime | Dial *901#, then select Airtime purchase from the menu | *901*amount# |
How do I transfer money with the Access Bank USSD code?
- Dial *901# from the phone number linked to your Access Bank account.
- Select "Transfer" from the USSD menu.
- Enter the recipient's 10-digit NUBAN account number.
- Enter the destination bank code (or pick from the displayed list).
- Enter the amount to transfer.
- Verify the displayed recipient name, then enter your Access Bank USSD PIN to confirm.
Direct shortcut (advanced): *901*amount*account#. The menu is still more reliable for unusual destinations.
Why is the Access Bank USSD code not working?
- Wrong phone number : bank USSD only works from the phone number linked to your Access Bank account. If you've changed your number, update your bank profile first.
- USSD service not activated : new accounts — activate Access Bank USSD via a branch or the mobile app before first use.
- Insufficient telco airtime : the USSD session fee is ~₦6.98, charged by your telco. Without airtime, the code fails silently.
- Weak network : USSD needs a stable cellular signal; retry with better coverage.
- Code changed : dial the base code *901# and use the menu — the menu always reflects current operations, unlike an old direct shortcut. Contact Access Bank to confirm.
Fees and security
USSD fees : ~N6.98 USSD session fee (NCC) + bank fees as applicable. The USSD session fee is charged by your telco operator (NCC regulation), not by the bank. Compare against MoMo fees in our Nigeria calculator.
Security : NEVER share your Access Bank USSD PIN with anyone — including someone claiming to be a bank agent. Access Bank will never ask for your PIN via call, SMS, email or WhatsApp. Lock your SIM card (SIM PIN) so a phone thief cannot access USSD. If your phone is lost or stolen, call Access Bank immediately to block USSD.
Note : Cross-verified across Access Bank official + 2 fintech blogs.