The primary Access Bank USSD code is *901#, which allows customers to perform banking transactions directly from their mobile phones without an internet connection. By dialing *901#, you can access a menu-based service or use shortcut codes to carry out specific actions.
For example, dial *901*1# to check your account balance, *901*Amount*AccountNumber# to transfer money to another bank, or *901*911# to block your account instantly in case of emergencies.
Access Bank USSD banking works on all mobile phones and Nigerian networks, making it a reliable option when the app or internet is unavailable.
Popular Access Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Bank Main Menu | *901# |
| Check Account Balance | 9015# |
| Transfer to Access Bank | 9011AmountAccountNumber# |
| Transfer to Other Banks | 9012AmountAccountNumber# |
| Buy Airtime for Self | 901Amount# |
| Buy Airtime for Others | 901Amount*PhoneNumber# |
| Pay Bills | 9013# |
| Open Access Bank Account | 9010# |
| Block Account / ATM Card | 901911# |
These codes help you manage your Access Bank account quickly without visiting a branch or using mobile data. Always dial from your registered phone number and keep your USSD PIN secure.
About Access Bank
Access Bank is one of Nigeria’s largest commercial banks, serving millions of customers across Africa and beyond. The bank provides retail, corporate, and digital banking services, including transfers, bill payments, airtime purchases, loans, and savings.
While the Access More mobile app offers advanced features, *Access Bank USSD (901#) remains a fast and dependable alternative for everyday transactions, especially in areas with poor internet connectivity.
This guide explains all Access Bank USSD codes, how to activate USSD banking, transaction charges, common errors, security tips, and everything you need for seamless offline banking.
What Is Access Bank USSD?
Access Bank USSD is a mobile banking service that enables customers to carry out financial transactions by dialing short codes on their phones, without needing internet access.
USSD banking is ideal if you:
- Have slow or no internet connection
- Need to send money urgently
- Want to buy airtime quickly
- Cannot access the Access More app
- Use a basic feature phone
USSD works on all Nigerian networks and is available 24/7.
Main Access Bank USSD Code in Nigeria (2026)
The official Access Bank USSD code is *901#.
Once dialed, it opens a menu that allows you to transfer money, buy airtime, pay bills, check balance, open an account, or block your account.
Most used Access Bank USSD codes:
- *901# — Main USSD menu
- 9011AmountAccountNumber# — Transfer to Access Bank
- 9012AmountAccountNumber# — Transfer to other banks
- 901Amount# — Buy airtime for yourself
- 901Amount*PhoneNumber# — Buy airtime for others
- 9015# — Check account balance
- 9013# — Pay bills
- 9010# — Open an Access Bank account
- 901911# — Block account or ATM card
These cover most everyday banking needs.
How to Activate Access Bank USSD Banking
To start using Access Bank USSD:
- Have an active Access Bank account
- Use the phone number linked to your bank account
- Ensure there is network signal
- Dial *901#
- Create a 4-digit USSD PIN when prompted
Once activated, you can perform transactions anytime without internet access.
Full Breakdown of Access Bank USSD Codes and Their Uses
1. Access Bank Code for Transfers
To send money:
To Access Bank accounts:
Dial 9011AmountAccountNumber#
To other Nigerian banks:
Dial 9012AmountAccountNumber#
Follow the prompts and confirm with your PIN. Transfers work with all Nigerian banks, including GTBank, Zenith, First Bank, UBA, Fidelity, and others.
2. Access Bank Code for Airtime
For Self:
Dial 901Amount#
Example: 901500# to buy ₦500 airtime
For Others:
Dial 901AmountPhoneNumber#
Example: 901100008012345678#
Airtime is credited instantly on all networks.
3. Access Bank Code for Account Balance
To check your balance:
Dial 9015#
Enter your USSD PIN to view your account balance.
4. Access Bank Code for Utility and Bill Payments
Dial 9013# to pay for:
- Electricity (DISCO/PHCN)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Other supported billers
Follow the on-screen instructions to complete payment.
5. Code to Block Access Bank Account or ATM Card
If your phone or ATM card is lost:
Dial *901*911# from your registered phone number
This immediately blocks your account or card to prevent unauthorized transactions.
Why Access Bank USSD Is Popular
Access Bank USSD is widely used because it:
- Works without internet
- Is fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Is protected with a PIN
- Is available 24/7
Millions of Nigerians rely on *901# daily for transfers, airtime, and bill payments.
How to Set or Reset Your Access Bank USSD PIN
First-time setup:
- Dial *901#
- Select “Create PIN”
- Enter a 4-digit PIN
- Confirm
Reset PIN:
- Dial *901#
- Choose “Forgot PIN”
- Verify with OTP
- Set a new PIN
Never share your PIN with anyone.
Access Bank USSD and Transaction Charges
- Dialing *901# is free
- Network providers may charge a USSD fee (usually ₦6–₦7 per session)
- Access Bank transfer fees apply based on CBN guidelines
- Airtime purchases typically attract no extra charges
Common Access Bank USSD Errors and How to Fix Them
- USSD code not working: Check network or use registered SIM
- Incorrect PIN: Reset PIN via *901#
- Insufficient funds: Fund your account and retry
- Transaction timeout: Retry in an area with stronger signal
- Transaction failed: Confirm recipient details
How to Use Access Bank USSD Without the App
Even if the Access More app is unavailable:
- Dial *901# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Block your account
USSD acts as a reliable backup to mobile banking apps.
Is Access Bank USSD Safe?
Yes. Access Bank USSD is protected with:
- 4-digit PIN
- SIM-based verification
- Instant block code (901911#)
Safety tips:
- Never share your PIN
- Do not allow strangers use your phone
- Block your account immediately if phone is lost
- Always use your registered SIM
Benefits of Using Access Bank USSD
- No internet required
- Fast transactions
- Works on any phone
- Reliable during network outages
- Useful in emergencies
- Ideal for rural areas
Limitations of Access Bank USSD
- Advanced services require the app
- Network USSD charges may apply
- Sessions may timeout during peak hours
- Cannot manage complex services like investments
Despite this, USSD handles most daily banking needs efficiently.
Frequently Asked Questions (FAQs)
What is the main Access Bank USSD code?
*901#
Why is my Access Bank USSD not working?
Network issues, wrong SIM, or service downtime
How do I check my Access Bank balance?
Dial 9015#
Can I transfer money without the app?
Yes, use 9011# or 9012#
How do I block my Access Bank account?
Dial 901911#
Does Access Bank USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is Access Bank USSD free?
Dialing is free; network charges may apply
Conclusion
Access Bank USSD codes make offline banking fast, secure, and convenient. With *901#, you can transfer money, buy airtime, pay bills, check balances, and block your account, all without internet access.
Whether you’re using a basic phone, experiencing poor network, or your app isn’t working, Access Bank USSD is a reliable solution for everyday banking in Nigeria (2026).
