Access Bank Transfer code: One of the greatest inventions of technology in finance is the ability to make cashless financial operations (quick money). These operations include money transfer, online purchases, airtime recharge, airtime transfer, payments for services, to mention just but a few. the access bank transfer code is a product of this trend. With time, this trend had cut across almost all banks and financial institutions in Nigeria. The CBN also has introduced and implemented the cashless policy. This development led to the introduction of mobile banking (app and code) and internet banking platform by Nigerian banks.

With mobile banking, you have access and control over your bank account 24/7. This has in great measure reduced the stress in making carrying out financial operations.

Access bank, being one of the five largest banks in Nigeria isn’t left out with this trend. Access bank was one of the banks that first introduce mobile banking ussd codes in Nigeria. In this article, we would have a general case study of access bank transfer codes.

How does this cashless policy work?

Mobile banking can be via mobile app or via ussd code. But the major method for these cashless operations is the use of ussd. USSD (Unstructured Supplementary Service Data) is a Global System for Mobile (GSM) communication technology that is used to send text between a mobile phone and an application program in the network. Applications may include prepaid roaming or mobile chatting.  Examples of ussd codes are: *131#, *404# e.t.c. All banks have their specific codes for different operations respectively. It all depends on what exactly you want to do.



The general access ussd code which is the *901# is a very versatile ussd code for almost all quick money operations, these operations include account opening, funds transfer, airtime recharge, merchant payment, bill payment, balance inquiry, generate opt, select default account. Once you dial the code, a session starts and brings up a menu of which you choose what you desire to do. All sessions last for 2 minutes for you to complete your transaction. However, the session times out after 20 seconds of inactivity



The access bank transfer code is *901*1#. This code can be used to perform two types of money transfer. That is it can make transfers to both access bank users and other bank users, but to perform this, you just need a few more steps ahead of the code. You can perform the operation in fewer clicks by following these steps;

  • Dial *901*1*Amount*Account Number# using the phone number associated to your bank account.
  • Enter the last 4 digits of your BVN or your transaction PIN.

For example to send 5000 Naira to another access bank customer with account number 0724405647.

  • Dial *901*1*5000*0724405647#.
  • You will then be asked to enter the last four digits of your BVN or 4 digits security code to complete the transfer.
  • After this, will be notified of successful or failed transaction.

Alternatively, dial *901# >> 2 for transfer funds >> 1 to transfer to access bank >> Last 4-digit of BVN or transaction PIN.

Note that transferring money from access bank to another bank customer has a quite different process. It allows you to transfer funds from your own access account to other banks in Nigeria like Gtb, Zenith, Diamond, First, UBA etc.

  • Dial *901*2*Amount*Account Number# with the phone number registered to your access bank account.
  • Confirm the recipient’s name.
  • Complete the transfer using the last 4-digit of your BVN or transaction PIN.

You will be notified if the transfer is successful or not.

Alternatively, dial *901# >> 2 for transfer funds >> 2 to transfer to another bank >> Last 4 digit of your BVN or PIN.

Access Bank Transfer Code Daily Limit & Charges.

The access bank transfer code may seem unlimited for minimal basic usage, but it might amaze you to know that it is actually limited to a sum of 20,000 naira funds transfer per day of which you wouldn’t be allowed to perform any further transaction. To transfer money from an access bank user to another access bank user, it totally free and no charges apply, but if it involves the transfer of funds to external banks, then a sum of 55 naira would likely be deducted from your account to stand as a service fee.


Access Bank Recharge code.

The process of recharging your phone directly from your access bank account without any cash operation is called ‘Easy-top-up’. This service is mainly for access banks customers to buy airtime credit directly from his/her bank account.


There is no argument that buying airtime from street corners and stores is getting outdated gradually. You don’t always get the exact amount you want, change issues with the sellers who sometimes are not within reach and the inconvenience of dialing those codes especially if you’re recharging a high amount.


The introduction of Airtime recharge that does not require the use of any internet banking platform just to buy purchase airtime has made virtual top-up accessible to everyone on any type of mobile device. The access bank recharge code is *901*Amount



How to use the access bank recharge code.

to use the access bank recharge code for self, dial the USSD code *901*Amount# for airtime credit, E.g. *901*5000# within some seconds your mobile is credited with #5,000 airtime.


The phone number used must already be registered with your access bank account (example, the number you receive bank SMS alerts on.)


On the other hand, to top up a third party phone number, follow these steps.

  • dial *901# and select 4, select 2 for a 3rd party.
  • Enter the amount and enter 3rd party mobile number.
  • Enter your last four digits of your BVN to complete a transaction.


If you use the same network as the third-party, You can recharge your line and transfer credit to the person.

The bank service is limited to those who have an account with access bank Plc, daily transaction restriction of #5,000. Despite the time and location, customers can purchase airtime at their suitable time as long as the customer has a mobile phone and Account with Access Bank. The airtime recharge is automatically deducted from the customer’s access bank account. The service is always available 24/7 and instant, suited with all mobile networks in Nigeria.

Access Bank recharge Code Daily Limit & Charges.

The bank E-TOP UP service is limited to those who have an account with access bank Plc, daily transaction restriction of #5,000. Notwithstanding the time and location, customers can purchase airtime at their suitable time as long as the customer has a mobile phone and Account with Access Bank. The airtime recharge is automatically deducted from the customer’s access bank account. The service is always available 24/7 and instant, suited with all mobile networks in Nigeria.

Also, you must have up to 100 naira airtime to use this service.

Access Mobile Banking

The Access Mobile Premium service works on smartphones including iOs, Android, Blackberry devices.

What you can do on your Access Mobile Premium

  • Carry out transactions in higher volumes to the tune of N2million daily
  • Confirm Beneficiary name for Funds Transfers
  • Purchase your Airline ticket
  • Carry out your Cheque Management – Request, Confirmation, and other cheque instructions
  • Locate branch and ATMs closest to you
  • Airtime top-up to any mobile network
  • Transfer funds within Access Bank and to other Banks
  • Pay bills – DSTV, PHCN, and LCC. E.t.c

These services also have a lot of special features which makes it response unique. These include easy access, speed, efficiency, and accuracy.

What kind of accounts can use the access bank transfer code?


All access bank can perform operations that require the access bank transfer code, Accounts must be owned by a sole signatory, have a BVN, must be naira denominated and no restriction must be on the account. Corporate, Association and Joint accounts are excluded from using *901# banking.

How do I prevent scammers from using my stolen phone to use the access bank transfer code?

Immediately report the incident to Access Bank contact centre to block your phone number from accessing the USSD service. Once, you have recovered your line, you can contact the contact centre to activate your line on the USSD platform. USSD transactions are being authenticated using a four (4) digit security code. You can create a security code using the Menu option.

You must have imagined if you could use the access bank transfer code outside Nigeria, the answer is yes, along as you have your ISP working and also a subscribed access service, then that all you need.


Access bank internet banking.

According to Wikipedia, Online banking, also known as internet banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution’s website. The online banking system will typically connect to or be part of the core banking system operated by a bank and is in contrast to branch banking which was the traditional way customers accessed banking services. This definition also applies to the access bank internet banking, but the USSD banking mentioned earlier is an easier way to get things done.


make money on vtuking

Leave a Comment