Access Bank is one of the most prominent banks in Nigeria that began its operations in Nigeria in 1989. It was originally established as a private limited liability company under the name “Access Bank Nigeria Limited” and later became a publicly traded company. Over the years, Access Bank has grown to become one of the largest banks in Nigeria and has expanded its operations both nationally and internationally through mergers and acquisitions. They have developed various banking solutions adopted by many Nigerians today, and we will be looking at one of those solutions, which is their USSD code. USSD stands for Unstructured Supplementary Service Data, and it is a technology used by mobile phones to communicate with the service provider’s computers for various purposes. USSD messages are typically shorter than SMS (Short Message Service) messages and are sent over a signaling channel rather than through a store-and-forward process like SMS. For Access Bank, their USSD code is *901#, which you can use to send and receive money, top-up your airtime, buy data, check your account balance and so much more. All without the internet!

How To Transfer Money From Access Bank To Another Bank

Transferring money using Access bank USSD is a convenient method that requires no internet connection as mentioned earlier, USSD works this way to ensure financial inclusion for people in regions with limited access to smartphones or internet connectivity. To transfer from your Access Bank using USSD, you typically follow these steps:

  1. Activate USSD: Ensure that the sim you’re using to dial the USSD is the one connected to your mobile bank account. Access Bank provided a detailed video of how to activate your mobile number for Access Bank USSD. Follow the steps carefully and all will be well.
  2. Dial the USSD Code: Open your phone’s dialer and enter the USSD code provided for Access Bank. The specific USSD code for money transfer as mentioned earlier is *901#.
  3. Select Money Transfer Option: After dialing the USSD code, you will see a menu of options on your screen. Look for the option related to money transfers or payments and select it by entering the corresponding number.
  4. Enter Recipient’s Details: You will be prompted to enter the recipient’s details, which typically include their phone number or bank account number. Make sure you enter the information correctly to avoid errors.
  5. Enter Amount: On the next prompt, enter the amount you want to transfer.
  6. Confirm Transaction: Review the transaction details to ensure they are accurate. If everything is correct, confirm the transaction.
  7. Enter PIN or Authentication: To authorize the transaction, you will be required to enter your USSD banking PIN.
  8. Transaction Completion: Once the transaction is authorized and confirmed, you will receive a confirmation message on your phone. This message typically includes details of the transaction, such as the amount transferred and the recipient’s information. You can also login to your bank app if you need to generate a receipt of the transaction.

Make sure you have sufficient funds in your mobile wallet or bank account to cover the transfer, and always keep your PIN and personal information secure to prevent unauthorized transactions. You can also perform the whole steps outlined above in one dial. 

  1. Transfer to an Access Bank account: Simply dial *901*AMOUNT*NUBAN Account Number# (e.g: *901*1000*1234512345#) from your phone number. To authorize the transaction, you will be required to enter your USSD banking PIN.
  2. Transfer to Other Banks: Dial *901*AMOUNT*NUBAN Account Number# (e.g *901*1000*1234512345#) from your phone. To authorize the transaction, you will be required to enter your USSD banking PIN.

How to Purchase Airtime With Access Bank USSD Code *901*Amount#

  1. Airtime TopUp: Just dial *901*Amount# (e.g: *901*1000#) on your phone, wait for the success message and start making calls. To buy airtime for friends or family members, simply dial *901*Amount*Phone Number#.
  2. Airtime TopUp for Friends & Family: To buy airtime for friends or family members, simply dial *901*Amount*Phone Number#.

How to Check Your Access Bank Account Balance With *901*00#

Simply Dial *901*00# on your Access Bank registered phone number. To authorize the transaction, you will be required to enter your USSD banking PIN. Your account balance is immediately generated after this has been provided.

In the ever-evolving landscape of modern banking, Access Bank has emerged as a trailblazer, continually pioneering innovative solutions to meet the diverse needs of its customers. One such innovation is their USSD code, *901#, a digital marvel that has brought banking convenience to the fingertips of millions of Nigerians. As we’ve seen, this USSD code is not just a string of digits; it’s a gateway to financial empowerment. It allows users to send and receive money, top up airtime, buy data, check account balances, and conduct a myriad of financial transactions, all without the need for an internet connection. This is a game-changer, especially for those in regions with limited access to smartphones and the internet. So, the next time you need to send money or check your account balance, remember those four magical digits – *901#. Access Bank is not just a bank; it’s a financial partner that empowers you to bank at your convenience, anywhere, anytime. Embrace the future of banking; embrace Access Bank’s USSD code – your passport to financial freedom.

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