Sending money has never been easier. Whether you want to transfer funds to another Access Bank customer or send money to accounts in other Nigerian banks, you can complete the transaction within minutes using your mobile phone. You don’t need an internet connection, a banking app, or even a smartphone. As long as your mobile number is linked to your Access Bank account, the USSD banking service is available whenever you need it.
If you’re looking for the latest Access Bank transfer code, I’ve created this guide to explain everything you need to know. You’ll learn the official transfer code, how to register for USSD banking, transfer money to Access Bank and other banks, understand transaction limits, resolve common transfer issues, and keep your account secure.
Last Updated: July 2026 — This guide has been reviewed and updated to reflect the latest Access Bank USSD banking procedures.
Quick Answer: What Is the Access Bank Transfer Code?
The official Access Bank transfer code is:
*901*1#
Simply dial the code from the phone number linked to your Access Bank account and follow the prompts to transfer money.
You can use this service to:
- Transfer money to another Access Bank account.
- Send money to other Nigerian banks.
- Confirm the recipient’s name before authorizing payment.
- Complete transactions without an internet connection.
What Is the Access Bank Transfer Code?
Access Bank provides a USSD banking service that allows customers to transfer money directly from their bank accounts using their mobile phones.
The transfer service is available through the *901# platform, with *901*1# serving as the shortcut for money transfers.
This service is available 24 hours a day, making it convenient for customers who need to send money outside banking hours or when they don’t have access to the Access Bank mobile app.
Benefits of Using the Access Bank Transfer Code
Millions of customers rely on the Access Bank transfer code because it offers several advantages.
No Internet Connection Required
One of the biggest benefits is that the service works entirely over your mobile network.
You don’t need Wi-Fi or mobile data to transfer money.
Fast Transactions
Most transfers are completed within a few seconds after confirmation.
Works on Almost Every Mobile Phone
Whether you’re using:
- Android
- iPhone
- Tecno
- Infinix
- Samsung
- Nokia
- itel
- A basic feature phone
the service works as long as your SIM card is linked to your Access Bank account.
Available 24 Hours a Day
The USSD service is available every day, including weekends and public holidays.
Secure Banking
Every transaction requires your personal USSD PIN, providing an additional layer of security against unauthorized access.
Requirements for Using the Access Bank Transfer Code
Before you can transfer money using *901*1#, ensure you meet these requirements:
- You have an active Access Bank account.
- Your mobile number is linked to your account.
- You have registered for Access Bank USSD Banking.
- You have created a valid USSD transaction PIN.
- Your account has enough funds for the transfer and any applicable charges.
- Your phone has network coverage.
If your phone number is not linked to your account, visit the nearest Access Bank branch to update your records.
How to Register for Access Bank USSD Banking
If you’re using the transfer code for the first time, you’ll need to activate the service.
Step 1
Dial:
*901#
using the mobile number registered with your Access Bank account.
Step 2
Select the registration option from the menu.
Step 3
Verify your identity using the requested information, such as your account number, debit card details, or date of birth.
Step 4
Create your preferred USSD transaction PIN.
Step 5
Confirm the PIN to complete registration.
After successful registration, you’ll receive a confirmation message indicating that your USSD banking profile has been activated.
How to Transfer Money to Another Access Bank Account
Sending money to another Access Bank customer is straightforward.
Follow these steps:
Step 1
Dial:
*901*1#
Step 2
Select Transfer to Access Bank Account if prompted.
Step 3
Enter the recipient’s Access Bank account number.
Step 4
Input the amount you want to send.
Step 5
Confirm that the recipient’s name displayed on your screen matches the intended beneficiary.
Step 6
Enter your USSD PIN.
Step 7
Wait for the confirmation message.
Once the transaction is successful, both you and the recipient will receive an SMS notification.
How to Transfer Money from Access Bank to Other Banks
The Access Bank transfer code also allows you to send money to accounts in other Nigerian banks.
The procedure is very similar.
- Dial
*901*1#. - Choose Transfer to Other Banks if the option appears.
- Select the recipient’s bank.
- Enter the account number.
- Enter the transfer amount.
- Verify the recipient’s account name.
- Enter your USSD PIN.
- Confirm the transaction.
The transfer is usually completed within a few moments, although processing time may vary depending on the receiving bank.
How to Confirm a Successful Transfer
After completing your transfer, you can confirm it in several ways.
- Read the confirmation message displayed on your phone.
- Check the SMS sent by Access Bank.
- Review your account balance.
- Check your transaction history using the Access Bank mobile app or internet banking if needed.
Always keep the transaction reference until you’re certain the recipient has received the funds.
Access Bank Transfer Limit
One of the questions I get asked most often is, “How much can I transfer using the Access Bank transfer code?”
The answer depends on several factors, including your account type, the security level on your account, and Access Bank’s current transaction policy.
For security reasons, Access Bank places limits on USSD transactions to help protect customers from unauthorized transfers.
If you regularly send large amounts of money, you may need to upgrade your transaction profile through the Access Bank Mobile App, Internet Banking, or by visiting a branch.
Before making a high-value transfer, it’s always a good idea to confirm your available transaction limit to avoid failed transactions.
Access Bank Transfer Charges
Although using the Access Bank transfer code is convenient, some transactions attract charges.
The exact amount depends on:
- Whether you’re transferring to an Access Bank account or another bank.
- The amount you’re sending.
- Regulatory charges where applicable.
You’ll usually see the applicable charge before entering your USSD PIN to complete the transaction.
Always review the transaction details carefully before confirming payment.
Can I Transfer Money Without an ATM Card?
Yes.
One of the biggest advantages of Access Bank USSD Banking is that you don’t need an ATM card every time you want to send money.
However, you’ll still need to:
- Register for Access Bank USSD Banking.
- Use the phone number linked to your account.
- Create your USSD transaction PIN.
Once your profile has been activated, you can transfer money directly from your account using your mobile phone.
What Happens If a Transfer Fails?
Occasionally, a transaction may not go through immediately.
This doesn’t always mean there’s a problem with your account.
Some common reasons include:
Poor Network Connection
USSD banking relies on your mobile network.
If the network signal is weak, the transaction may time out before it’s completed.
Insufficient Funds
Make sure your account has enough money to cover both the transfer amount and any applicable charges.
Incorrect Recipient Details
Always verify the account number and confirm the recipient’s name before authorizing the payment.
A simple typing mistake can send money to the wrong person.
Daily Transfer Limit Reached
If you’ve already reached your daily transfer limit, Access Bank may decline additional transactions until the next day.
Temporary Banking System Maintenance
Banks occasionally perform maintenance on their systems.
If this happens, wait a few minutes and try again.
What Should I Do If Money Is Debited but the Recipient Doesn’t Receive It?
Although most transfers are completed within seconds, delays can occasionally happen.
If your account is debited but the recipient has not received the money:
- Wait a few minutes to allow the transaction to complete.
- Check your SMS notification or transaction history.
- Ask the recipient to confirm their account balance.
- If the issue continues, contact Access Bank Customer Care and provide the transaction details.
Avoid sending another transfer immediately unless you’re certain the first one failed.
Is the Access Bank Transfer Code Safe?
Yes.
The Access Bank transfer code is designed with several security features to protect your account.
Every transfer requires authentication using your personal USSD PIN, and recipient details are displayed before you confirm the transaction.
Even so, you should take extra precautions to protect yourself.
Never Share Your PIN
Access Bank will never ask you to reveal your USSD PIN.
Keep it private at all times.
Confirm the Recipient’s Name
Before completing any transfer, carefully check that the name displayed on your screen matches the person you intend to pay.
Keep Your Phone Secure
If your phone is lost or stolen, report it immediately and consider blocking access to your banking services.
Beware of Fraudulent Calls
Scammers sometimes pretend to be bank representatives.
Never disclose your PIN, OTP, or confidential banking information over the phone.
Why Many Customers Prefer the Access Bank Transfer Code
Although mobile banking apps offer many advanced features, I still find the Access Bank transfer code incredibly useful because it works almost anywhere.
Some of the reasons customers continue using it include:
- No internet connection required.
- Fast transfers within seconds.
- Compatible with almost every mobile phone.
- Available 24 hours a day.
- Convenient during network outages affecting mobile data.
- Easy to use, even for first-time users.
For many people, dialing a short USSD code is often faster than opening a banking app, logging in, and navigating multiple screens.
Frequently Asked Questions
What is the Access Bank transfer code?
The official Access Bank transfer code is *901*1#. It allows eligible customers to send money directly from their Access Bank account using the phone number linked to the account.
Can I transfer money to other Nigerian banks?
Yes. You can transfer funds from Access Bank to most commercial banks in Nigeria using the same USSD banking service.
Do I need internet access?
No. The Access Bank transfer code works over your mobile network and does not require mobile data or Wi-Fi.
Can I use the transfer code on any phone?
Yes. It works on Android phones, iPhones, feature phones, and other GSM devices, provided the registered SIM card is inserted.
Is there a limit to how much I can transfer?
Yes. Transfer limits depend on your account profile and Access Bank’s current policies.
What happens if I enter the wrong account number?
Before completing the transaction, Access Bank displays the recipient’s name. Always verify it carefully before entering your PIN.
Can I use the transfer code abroad?
Availability depends on whether your registered Nigerian mobile number has roaming support and whether your network allows USSD services while abroad.
How do I know if my transfer was successful?
You’ll usually receive a confirmation message on your phone, and the recipient should also receive the funds shortly afterward.
If you want to know more you can take a look at the bank official website: Access Bank Nigeria
Can I transfer money if my ATM card has expired?
Yes. Once your USSD banking profile has been successfully registered, an expired debit card does not normally prevent you from using the transfer code for routine transactions.
Whether you’re paying a friend, supporting family members, or making business payments, the Access Bank transfer code offers one of the quickest ways to move money without relying on an internet connection. By understanding how the service works, following the correct steps, and observing basic security precautions, you can complete transfers confidently whenever you need them.
