Access Bank Transfer Code: How to Register?

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Last Updated on May 21, 2024 by TechTalks

Banking has evolved from the traditional long queues in banking halls to instant, on-the-go services. One of the significant advancements in this evolution is the introduction of bank transfer codes. These codes allow customers to perform various banking transactions directly from their mobile phones without needing an internet connection. This article delves into the details of Access Bank’s transfer code, highlighting its features, benefits, and how to use it.

What is a Bank Transfer Code?

A bank transfer code is a unique USSD (Unstructured Supplementary Service Data) code assigned by a bank to facilitate transactions via mobile phones. It allows customers to transfer money, check account balances, buy airtime, and pay bills, among other services. The main benefits include convenience, speed, and the ability to perform transactions without internet access, making it ideal for areas with limited connectivity.

About Access Bank

Access Bank is one of Nigeria’s leading financial institutions, renowned for its robust banking services and technological advancements. Established in 1989, Access Bank has grown significantly through strategic mergers and acquisitions, including the landmark merger with Diamond Bank in 2019. The bank offers a wide range of services, including retail banking, corporate banking, and digital banking solutions, aiming to provide seamless and innovative services to its customers.

Access Bank Transfer Code

The Access Bank transfer code, *901#, is a versatile USSD code designed to make banking more accessible and convenient for its customers. With this code, users can perform a variety of banking transactions on their mobile phones without needing to visit a bank branch or have an internet connection. This service is available 24/7, providing unparalleled flexibility and ease of use.

How to Register for Access Bank Transfer Code

Requirements for Registration:

  • An active Access Bank account.
  • A mobile phone with a registered phone number linked to the Access Bank account.
  • You may be required to provide personal identification details, such as your account number, date of birth, and/or ATM card details, during the registration and activation process for security verification purposes.
  • Create a secure PIN (Personal Identification Number) during the registration process to authorize transactions and access your mobile banking profile securely.

Step-by-Step Guide to Registration:

  1. Dial *901# on your mobile phone.
  2. Select the option to register for the USSD service.
  3. If you have an Access Bank debit (ATM) card, you will be required to enter the last six digits of your card to authenticate the activation process. If you don’t have a debit card, you will be prompted to enter your date of birth for verification purposes.
  4. Input your Access Bank account number when prompted.
  5. Set up a 4-digit PIN that will be used to authorize transactions initiated via the transfer code.
  6. Confirm the PIN to complete the activation process.

Troubleshooting Common Issues:

  • Ensure your phone number is linked to your Access Bank account.
  • Verify network connectivity if the USSD code does not work.
  • Contact Access Bank customer support if you encounter persistent issues.

Advantages of the Access Bank Transfer Code

The Access Bank Transfer Code offers several advantages to customers:

  1. Convenience: Customers can perform banking transactions anytime, anywhere, without the need to visit a physical branch or ATM.
  2. Accessibility: The USSD code can be accessed from any mobile phone, making banking services available even in areas with limited internet connectivity.
  3. Cost-effective: Using the USSD code eliminates the need for expensive data subscriptions or physical visits to the bank, saving customers time and money.
  4. Security: Access Bank implements robust security measures to protect customers’ personal and financial information, ensuring a safe and secure banking experience.
  5. Flexibility: Customers can perform a wide range of transactions, including airtime purchases, funds transfers, bill payments, and more, using the USSD code.

Security Features of Access Bank Transfer Code

Access Bank has implemented robust security measures to protect users. Transactions are secured with a 4-digit PIN, which only the account holder knows. Additionally, the bank employs encryption and other security protocols to safeguard users’ data. Users are also advised to be vigilant and avoid sharing their PINs or personal information to prevent fraud.


The Access Bank transfer code is a powerful tool that brings banking services to your fingertips. Its ease of use, security features, and wide range of functionalities make it an essential service for all Access Bank customers. By registering and using this service, you can enjoy the convenience of managing your finances anytime, anywhere. Embrace the future of banking with Access Bank’s transfer code and experience the difference it makes in your financial transactions.

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