If you have ever been stuck without data but needed to send money fast, you already know how frustrating that can be. When I faced this issue, the solution that saved me was the Access Bank USSD code *901#. It works even without internet, so you can buy airtime, transfer funds, and check your balance in seconds.
In this post, I’ll show you how to use *901# correctly, explain the registration steps, list every command, and share a few pro tips to avoid hidden fees. You will also see how it compares to other Nigerian bank codes, and how to protect your account when using USSD banking.
At a Glance: The Official Access Bank *901# Code
The official Access Bank USSD code is *901#. You can dial it from any mobile phone linked to your bank account. It works on all major networks like MTN, Glo, Airtel, and 9mobile.
Note: Access Bank and Nigerian telcos charge a ₦6.98 service fee for financial transactions made through USSD. Airtime and data purchases are free of this charge. This rule applies across all banks in Nigeria.
Why should you use *901#?
- It works without internet access.
- You can use it on any type of mobile phone.
- It runs 24/7, even during network outages.
- Every transaction is secured with a 4-digit or 5-digit PIN.
I personally use *901# when my banking app lags or I run out of data. The speed is impressive, and the setup is simple enough for anyone to follow.
How to Register or Activate *901#
Before you start using the Access Bank USSD code, you must register your number and create a PIN. It only takes a minute. Follow these steps carefully.
- From the phone number linked to your Access Bank account, dial *901#.
- Choose “Register” or simply dial *901*0#.
- Enter your Date of Birth in this format: DDMMYYYY.
- Create a secure 4-digit or 5-digit PIN for authorizing transactions.
- Confirm your PIN. You will receive a message confirming successful activation.
If your SIM is not linked to your account, the system will reject the registration. In that case, visit the nearest branch or follow our guide on how to link your phone number to your bank account.
Need the Access Bank mobile app instead?
You can also download the official AccessMore app on Google Play for smartphone banking. It complements USSD banking by offering more features online.
Common *901# Commands (Quick Reference Table)
Below is a detailed table of Access Bank’s most useful USSD commands. Each code works instantly when dialed from your registered phone number.
| Action | USSD Code / Format | Example | Details |
|---|---|---|---|
| Check Balance | *901*00# | *901*00# | View current balance instantly after entering PIN. |
| Airtime (Self) | *901*Amount# | *901*500# | Recharge your own phone with airtime. |
| Airtime (Others) | *901*Amount*PhoneNumber# | *901*500*08012345678# | Buy airtime for friends or family members. |
| Transfer to Access Bank | *901*1*Amount*AccountNumber# | *901*1*2000*1234567890# | Send money between Access Bank accounts. |
| Transfer to Other Banks | *901*2*Amount*AccountNumber# | *901*2*3000*2345678901# | Send money to accounts in other Nigerian banks. |
| Pay Bills | *901*3# | *901*3# | Select your biller, such as DSTV or electricity provider. |
| Cardless Withdrawal | *901*12# | *901*12# | Withdraw cash from an ATM without a debit card. |
| Block Account | *901*911# | *901*911# | Immediately block your account if your phone is stolen. |
I recommend saving these codes in your notes app. When you’re in an emergency, you can act quickly without searching online.
Fees and Charges for Using *901#
Every Nigerian bank applies a telco charge for USSD transactions. Access Bank follows the same Central Bank of Nigeria rule. You will pay ₦6.98 per transaction for financial actions such as transfers, bill payments, or account opening.
Transactions that attract charges
- Money transfers (within Access or to other banks)
- Bill payments and donations
- Opening a new account through *901#
Transactions that are free
- Airtime purchase for self or others
- Data purchase
When I tried buying airtime with *901*, no extra charge was added, but a transfer to another bank deducted ₦6.98 automatically. So, it’s good to check your SMS alerts to confirm the deduction.
For clarity, you can verify this charge on the official Access Bank USSD FAQ page.
Security and Safety Tips When Using *901#
Many users forget that USSD transactions can be risky if a phone is stolen. The good thing is Access Bank provides safety features you can activate instantly.
How to block your account if your phone is lost
Dial *901*911# from any phone. Select “Block Account” and follow the on-screen instructions. You will need your account details to confirm.
How to change or reset your PIN
If you suspect someone knows your PIN, dial *901# and select “Other Services” then “PIN Reset”. Create a new secure PIN that only you know.
I always use a unique PIN that’s different from my ATM PIN. It’s safer and harder to guess.
Additional safety tips
- Never share your PIN or OTP with anyone, not even bank staff.
- Do not save your PIN in your phone’s notes or gallery.
- Always check your last transaction SMS to verify amounts.
For more detailed safety steps, you can read our guide on USSD banking security tips.
Common Problems and How to Fix Them
Why is *901# not working on my phone?
Usually, it’s because the SIM card is not linked to your Access Bank account. Visit a branch to update your record or call customer service for help.
What should I do if a transaction fails?
If the transaction shows “pending” or “failed”, don’t repeat it immediately. Wait for a reversal message. If the money is not reversed after 24 hours, contact Access Bank support.
How to confirm a successful transaction
After every transaction, Access Bank sends you an SMS alert. You can also check your mini statement or dial *901*00# to view your balance.
These simple checks prevent duplicate deductions or confusion after transfers.
Compare *901# With Other Nigerian Bank Codes
Access Bank’s USSD code is easy to remember, but it helps to know what other banks use. Below is a quick comparison of the most common codes in Nigeria.
| Bank | USSD Code | Quick Example |
|---|---|---|
| GTBank | *737# | *737*1*Amount*AccountNumber# |
| First Bank | *894# | *894*Amount*AccountNumber# |
| UBA | *919# | *919*4*Amount*AccountNumber# |
| Zenith Bank | *966# | *966*Amount*AccountNumber# |
| FCMB | *329# | *329*Amount*AccountNumber# |
This comparison helps you if you manage multiple accounts. Each code follows a similar pattern, so it’s easy to switch between banks.
To learn about other codes, visit our full list of Nigerian bank USSD codes.
Continue reading Part 2 for FAQs, troubleshooting, and extra tips on mastering *901# banking.
Frequently Asked Questions About Access Bank *901#
When I first started using *901#, I had a lot of questions about limits, security, and daily restrictions. Below, I’ve answered the most common ones so you don’t have to search elsewhere.
What is the daily transfer limit on *901#?
The Access Bank USSD daily transfer limit is ₦100,000. However, if you increase your PIN security level at the bank, you can raise this limit to ₦500,000 per day.
For transfers above ₦100,000, you’ll need to visit a branch or use the AccessMore mobile app.
Can I use *901# on more than one phone?
No, you can only use the USSD code on the SIM card registered with your Access Bank account. If you change SIMs, visit the nearest branch to update your mobile number.
Can I open an account using *901#?
Yes, you can. Simply dial *901*0# and follow the prompts to open an account instantly. You’ll receive your account number via SMS within minutes.
If you want a full guide, see this tutorial on how to open an Access Bank account with USSD.
Is *901# available on all networks?
Yes, the USSD works across MTN, Airtel, Glo, and 9mobile. You just need to have mobile signal coverage.
What if I forget my PIN?
If you forget your PIN, dial *901# and select “Other Services”, then “PIN Reset”. You’ll need your ATM card details or account number for verification.
Does Access Bank USSD work abroad?
It depends on your roaming status. If your SIM has roaming enabled and can connect to Nigerian networks abroad, then it might work. But for reliability, use the AccessMore app instead.
Advanced Features of *901# You Might Not Know
Most people only use *901# for airtime and transfers. However, there are a few lesser-known but powerful features that can make your experience smoother and faster.
1. Account Opening Without Visiting the Bank
With *901#, you can open a new Access Bank account without visiting any branch. Just dial *901*0#, enter your personal details, and your account number will be sent via SMS. You can start receiving money immediately.
2. Instant Cardless Withdrawals
Lost your ATM card or need to withdraw cash urgently? Dial *901*13# and follow the prompts for cardless withdrawal. You’ll get a secure code to use at any Access Bank ATM.
3. Airtime and Data Purchase for Others
I often buy airtime for family members using *901*. Just dial *901*Amount*RecipientNumber# and confirm with your PIN. It’s instant and doesn’t require data.
4. Fund Transfers to Microfinance Banks
You can also send money to selected microfinance banks directly through *901# using the “Other Banks” option. The system lists eligible institutions during the transaction.
If you’re curious, see our full list of microfinance banks in Nigeria.
5. Quick Bill Payments
Need to renew your DSTV, GOtv, or pay PHCN bills? Dial *901*3# and choose your service provider. You’ll get instant confirmation after payment.
I once used this method to renew my DSTV subscription late at night, and it worked instantly. No app, no data, just *901#.
How to Fix Access Bank *901# Errors
Sometimes, you might face problems like “Connection Error” or “Invalid MMI Code”. These are common and can be solved easily.
1. Check Network Signal
If your signal is weak, the code might not go through. Wait for a stronger network before dialing again.
2. Confirm SIM Registration
Only the number registered with your Access Bank account can use *901#. If you switched SIMs, visit a branch to re-link it.
3. Clear USSD Session Conflicts
If you dial multiple USSD codes back-to-back, your phone may hang or freeze. Restart your phone and try again.
4. Contact Customer Care
If nothing works, reach out to Access Bank customer service. You can call +234 700 300 0000 or email contactcenter@accessbankplc.com.
How Secure Is Access Bank *901#?
Access Bank uses end-to-end encryption and PIN-based authentication for every USSD transaction. This means no one can move money from your account without your PIN.
Top Security Tips
- Use a unique PIN different from your ATM or app PIN.
- Immediately block your account if your phone is lost using *901*911#.
- Never type your PIN when someone is looking at your screen.
- Regularly check your bank balance on your phone to spot any unauthorized deductions.
I also recommend setting SMS alerts for every debit and credit transaction for extra monitoring.
Access Bank USSD vs Mobile App: Which Is Better?
Both systems work well, but each has its strengths. Below is a quick comparison table to help you choose what fits your lifestyle best.
| Feature | USSD (*901#) | AccessMore App |
|---|---|---|
| Internet Required | No | Yes |
| Speed | Very Fast | Moderate |
| Security | PIN Protected | Fingerprint/Password Protected |
| Transaction History | Limited (SMS only) | Full history in-app |
| Ease of Use | Simple for basic tasks | Comprehensive for advanced banking |
Personally, I use the USSD for quick transactions and the app for detailed monitoring. Combining both gives me the best of convenience and control.
Tips to Make the Most of *901#
1. Memorize Important Shortcuts
Instead of dialing *901# and waiting through multiple menus, use direct codes like *901*00# for balance or *901*1*Amount*Account# for transfers.
2. Save Common Recipients
If you often send money to the same people, add them as “frequent” accounts. It saves time and reduces typing errors.
3. Avoid Peak Hours
Transactions are faster during early morning or late evening hours when the network is less congested.
4. Always Confirm Before Sending
Double-check account numbers and names before confirming transfers. Once approved, most transfers can’t be reversed easily.
5. Use *901*911# Regularly
If you suspect suspicious activity, immediately dial *901*911# to block your account. This single step can prevent loss of funds.
Latest Updates on Access Bank USSD
Access Bank frequently updates its USSD service to support new financial tools. The latest update added loan services and digital savings options.
Now you can dial *901*11# to apply for instant loans or check your loan balance.
Also, new data bundle purchases have been added under *901*8# for MTN, Airtel, Glo, and 9mobile.
To stay current, always visit the official Access Bank website or follow Access Bank on Twitter.
My Personal Experience Using *901#
I’ve used *901# for over two years now. It has saved me countless times — from buying airtime when stranded to sending money to a vendor late at night. It’s fast, dependable, and safer than carrying cash around.
Of course, there are occasional hiccups like delayed messages or network downtime. But overall, I’d say it’s one of the most reliable mobile banking systems in Nigeria.
To Sum It Up
The Access Bank USSD code (*901#) is a powerful, offline banking solution. It lets you handle essential transactions — from checking balances and paying bills to sending money and even blocking your account — in seconds.
If you’ve been relying only on the AccessMore app, *901# is the perfect backup tool for emergencies when there’s no internet. You’ll never be locked out of your account again.
Key Takeaways
- The official code is *901#.
- Registration is free, but transactions cost ₦6.98 each (except airtime and data).
- Use *901*911# to block your account anytime.
- PIN security is mandatory for every operation.
Ready to try it out? Dial *901# now to activate your account. You’ll be surprised how easy mobile banking can be.
For more guides like this, check our post on how to check your bank balance on your phone or explore Nigerian bank USSD codes for other institutions.
Stay secure. Stay connected. And keep banking smart with Access Bank’s *901#.