How to Transfer Money from Access Bank to Access Bank?

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Access Bank is one of the leading financial institutions in Nigeria, known for its innovative banking solutions and customer-centric services. Whether paying for goods and services, sending money to family, or making business transactions, knowing how to transfer money within the same bank can save you time and effort. This article will guide you through various methods of transferring money from Access Bank to Access Bank, ensuring you can choose the most convenient option.

Methods to Transfer Money from Access Bank to Access Bank

Online/Mobile Banking Transfer

One of the easiest ways to transfer money between Access Bank accounts is through their online banking platform or mobile app. Here are the steps:

  1. Log into your Access Bank online banking account or mobile app using your credentials.
  2. Navigate to the “Transfer Funds” or “Payments” section.
  3. Select the option to transfer between your Access Bank accounts or a third-party Access Bank account.
  4. Enter the account numbers for the sending (debit) and receiving (credit) accounts.
  5. Input the transfer amount and any other required details like narration or reference.
  6. Review and confirm the transfer details.
  7. The funds will be instantly debited from your account and credited to the destination account. 

This method is convenient, fast, and secure, allowing you to transfer money anytime, anywhere, using your computer or mobile device.

USSD Banking (*901#)

Access Bank’s USSD banking service is another popular way to transfer funds between accounts. To use it:

  1. Open the USSD menu by dialing *901# on your mobile phone.
  2. Follow the menu prompts to select “Transfer Funds.”
  3. Enter your Access Bank account number as the sender account.
  4. Enter the recipient’s Access Bank account number.
  5. Enter the transfer amount.
  6. Confirm the transaction with your USSD banking PIN.
  7. You will receive a confirmation message once the transfer is completed. 

The *901# USSD code is available 24/7 and can be used on any mobile network without requiring internet data or an app.

Using an ATM

Access Bank ATMs provide a secure and convenient way to perform various banking transactions, including funds transfers between Access Bank accounts. Here are the steps to do so:

  1. Use the ATM locator tool available on the Access Bank website or mobile app to find the nearest ATM.
  2. Insert your Access Bank ATM card into the machine and enter your PIN to access your account.
  3. From the main menu, select the option for “Transfer” or “Funds Transfer.”
  4. Input the recipient’s Access Bank account number and confirm the details.
  5. Specify the amount you wish to transfer.
  6. Review the transaction details and confirm the transfer.
  7. The ATM will process the transaction and provide a receipt as confirmation.

This method is particularly useful for those who prefer not to use online or mobile banking services. It offers a secure and efficient way to transfer funds between Access Bank accounts at any time of the day.

By Visiting an Access Bank Branch

If you prefer in-person banking, you can visit any Access Bank branch location to transfer money between accounts. The process is:

  1. Go to the nearest Access Bank branch.
  2. Fill out a transfer slip with your account details and the recipient’s account details.
  3. Submit the completed slip and transfer the amount to the teller.
  4. The teller will debit your account and credit the recipient’s account.
  5. You will receive a transaction receipt as proof of the transfer. 

While this method requires a visit to the branch during business hours, it may be preferred by some customers, especially for larger transfer amounts.

Transfer Fees and Limits

Access Bank imposes specific fees and limits for transferring money. For intra-bank transfers (Access Bank to Access Bank), the fee is ₦20 per transaction. Transfers to other banks via the NIP (Instant Transfer) system incur different charges, which are not specified in the provided sources. The daily transaction limit for mobile banking transfers is ₦5 million, with a per-transaction limit of ₦1 million. For USSD banking, the daily limit varies based on the account type, ranging from ₦30,000 for non-banked customers to higher limits for semi-banked customers. These fees and limits ensure secure and efficient fund transfers.

Tips and Precautions

  • Check your account balance before initiating a transfer to ensure you have sufficient funds and avoid declined transactions.
  • Be aware of any applicable transfer fees or daily transfer limits imposed by Access Bank.
  • Enable transaction notifications on your mobile number or email to track transfers easily.
  • Use secure methods like internet banking or USSD to protect your account from unauthorized access. 


Transferring money from Access Bank to Access Bank is straightforward and convenient, thanks to the various methods available. Whether you prefer using the mobile app, internet banking, USSD code, ATM, or in-branch services, Access Bank ensures you can complete your transactions securely and efficiently. Always prioritize security and choose the most suitable method for your needs.

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