How To Activate Access Bank USSD Code (2025/2026 Guide)

How to Activate Access Bank USSD Code: Access Bank has made banking faster and easier with its USSD code — *901#. Whether you want to check your account balance, send money, buy airtime, or pay bills, you can do all that straight from your phone without an internet connection.

In this article, you’ll learn how to activate Access Bank USSD code, how to transfer money, the meaning of some special Access Bank codes, and even how to upgrade your USSD transfer limit.

Let’s get started

What Is The Access Bank USSD Code

The Access Bank USSD code is *901#. It is a quick banking service that allows customers to perform transactions using any mobile phone — even without internet access.With *901#, you can:

• Send money to any bank in Nigeria
• Check your account balance
• Buy airtime for yourself or others
• Pay bills (DSTV, PHCN, GOtv, etc.)Open a new account instantly
• Request loans and much more

This feature is available 24/7, works on any mobile network (MTN, Glo, Airtel, 9mobile), and is secure.

How To Activate Access Bank USSD Code

Activating the Access Bank USSD code is very easy. Here’s how to do it step-by-step:

Use The Phone Number Linked To Your Access Bank Account

Dial *901# using the SIM card registered with your Access Bank account. If you use another SIM card, the activation will not work.

Select “Transfer” or “Register”

When the menu appears, choose “Transfer” or “Register” (depending on what shows on your screen).

Enter Your Access Bank Account Number

Type your 10-digit account number and press Send.

Create a 4-Digit PIN

You’ll be asked to create a 4-digit transaction PIN. Choose a PIN you can remember easily but one that’s hard for others to guess.

Confirm Activation

Once you set up your PIN, you’ll receive a confirmation message saying your USSD profile has been successfully activated.

Now your Access Bank USSD code is ready to use. You can start performing transactions right away.

How To Transfer Money From Access Bank Using SMS (USSD Code)

Transferring money from Access Bank is super fast with *901#. Just follow these simple steps:

For Transfers to Access Bank Accounts:

Dial*901*1*Amount*Account Number#

Example: 901150001234567890#Then select your account and enter your PIN to complete the transaction.

For Transfers to Other Banks:

Dial*901*2*Amount*Account Number#

Example: 901230001122334455#Then choose the receiving bank and confirm the transfer with your PIN.

Note: Always confirm the recipient’s name before entering your PIN.

You’ll receive a confirmation SMS after every successful transaction. You can transfer to any Nigerian bank — First Bank, Zenith, GTBank, etc.

What Is The Code 90114# For In Access Bank

The code *901*14# is used to block your Access Bank account instantly if your phone is lost or stolen.

This is a security feature that helps protect your funds from unauthorized access.

How to Use It:

• Dial 901911# or 90114#
• Follow the prompt to block your account
• You’ll get a confirmation message once it’s successfully done
• If your phone is later recovered, visit any Access Bank branch to reactivate your account.

How To Activate Access Bank Mobile Banking

If you prefer using the Access Bank Mobile App, here’s how to get started:

Download The App

• Search for “AccessMore” on Google Play Store (for Android) or Apple App Store (for iPhone). Install it on your smartphone.

Open The App And Click On “Sign Up”

• Choose whether you are registering with your account number or Access debit card.

Verify Your Details

You’ll receive a One-Time Password (OTP) via SMS or email. Enter it in the app to confirm your identity.

Create A Strong Login Password And Transaction PIN

Once you set your password and PIN, you’ll gain full access to your mobile banking dashboard.

With the Access More app, you can do everything you can do with *901# and more — including viewing your transaction history, requesting a card, and making international transfers.

How To Upgrade Transfer Limit On Access Bank

By default, Access Bank limits the amount you can transfer daily via USSD for your security. But you can increase that limit if you need to. There are two main ways to upgrade your limit:

Using Your Debit Card

• If your Access Bank account is linked to a debit card, you can enjoy higher limits automatically — up to ₦1,000,000 per day.

Visit Any Access Bank Branch

If you don’t have a debit card or want an even higher limit, visit your nearest Access Bank branch.

Ask to upgrade your USSD transfer limit.You’ll fill out a short form, and the request will be processed within 24 hours.

What Is The Limit On Access Bank USSD Code

Access Bank has set daily transaction limits to protect your account.

Here’s the current breakdown (as of 2025):

Transition Type	Daily Limit Without Card
Transfers to Access Bank	₦100,000
Transfers to Other Banks	₦100,000
Airtime/Data Purchase	₦5,000
Bill Payments	₦100,000

Note: You can always visit any Access Bank branch to increase or reduce your limits.

Conclusion

Access Bank’s 901# USSD code is one of the most convenient banking tools in Nigeria today. You don’t need internet data, you don’t need to visit a branch — just your phone and your registered SIM card.

Whether you want to send money, check your balance, buy airtime, or pay bills, you can do it all in seconds using *901#.

To recap:

• To activate the code: Dial *901# and set your PIN.
• To transfer money: Dial 9011Amount Account Number#.
• To block your account: Dial 90114#.
• To increase your limit: Use your debit card or visit the bank.
• USSD banking is safe, fast, and reliable — so long as you keep your PIN private.

Frequent Asked Questions – FAQs

What Is 90111# In Access Bank

The code *901*11# is used to check your Access Bank account balance.Just dial it, enter your PIN, and your current account balance will be displayed instantly.

How Much Can I Transfer Using Access Bank USSD Code

You can transfer: Up to ₦100,000 daily if you don’t have a debit card. Up to ₦1,000,000 daily if your USSD profile is linked to your debit card.

Can I Use Access Bank USSD On Another SIM

No. You can only use the *901# USSD code on the phone number linked to your Access Bank account.

What Should I Do If My USSD Code Is Not Working

Try the following: Ensure your phone number is linked to your Access Bank account. Check that your SIM card has a strong network signal. Dial *901# manually (not from your contact list). If it still doesn’t work, contact Access Bank customer care at 01-2712005 or visit a branch.

Is Access Bank USSD Safe To Use

Yes, it’s safe — as long as you don’t share your PIN with anyone. Every transaction requires PIN confirmation, so your funds are secure.

Can I Open A New Account With 901#

Yes! Just dial *901# and select “Open Account.” You can open a savings account instantly, even without visiting the bank.

What Network Does Access Bank USSD Work On

It works on MTN, Airtel, Glo, and 9mobile — all major mobile networks in Nigeria.

For more information on How To Activate Access Bank USSD Code (2025/2026 Guide), visit this blog post, https://blog.sycamore.ng/list-of-access-bank-ussd-codes-2025