Home FinancialBanks [DETAILED] How to use Access Bank Transfer Codes (USSD)

[DETAILED] How to use Access Bank Transfer Codes (USSD)

by Abbey
Access Bank Transfer (Use and Function)

A Background on Access Bank

In addition to its online presence, Access Bank Plc has a network of more than 600 branches and service sites in important cities throughout Nigeria, Sub-Saharan Africa, and the United Kingdom, in addition to a branch network in the United Kingdom.
The Bank, which was established in 1998 and is publicly traded on the Nigerian Stock Exchange, serves its diverse markets through five business segments: Institutional Banking, Commercial Banking, Retail Banking, Transaction Services, and Financial Markets. Institutional Banking is comprised of institutions that provide financial services to individuals and businesses.

More than 800,000 shareholders in the bank own the company, including several Nigerian and international institutional investors.
The bank has experienced what is arguably Africa’s most successful banking growth trajectory in the last ten years, ranking among the top 15 banks in Africa in terms of total assets and equity capital.

In order to achieve its long-term growth objectives, Access Bank is concentrating on integrating sustainable business practices into its operations.

The bank aspires to produce lucrative, environmentally responsible, and socially relevant economic development that is long-term and sustainable.

Access Bank Transfer Codes and how to use it

Access Bank Plc’s USSD code is *901#, and it may also be reached through phone. Customers at Access Bank are encouraged to use a variety of banking methods in order to make banking as simple and convenient as possible.

This code *901# is a multi-code that may be used to conduct a wide variety of tasks.

Customers of Access Bank who desire to make a money transfer from their account can do so by entering the Transfer Code, which is a code that is unique to Access Bank.

In some quarters, the number *901# is sometimes referred to as a Recharge Code. Additionally, you may use this code to recharge your mobile phone or to transfer money to family and friends that live far away.

Since it is a multi-code, we will go through each and every one of the functions of the *901# code in great detail in this piece, as I previously indicated.

Uses of the Access bank Transfer codes

1. Account Opening

You can sign up for an Access Bank account by dialing *901# from your cell phone. It’s that straightforward.
To use of this service, you do not need to fill out a form or wait in a long queue at a branch.

The fact that it is a zero-balance account means that there is no necessity to maintain a minimum amount.

This is how you can open an account for Access Bank right from your phone.

• Dial *901# on your mobile phone from any location.
• It will be necessary for you to give some information (name and surname, address, etc.). Even better, if you already have a BVN, you may just input that information.
• You will get an SMS message from Access Bank containing your account information.

2. Funds Transfer

Access Bank makes it possible for customers to access their funds at any time of day or night. Is there anything you can do when it’s almost 4 pm on a Friday afternoon and you’re worried you won’t be able to make it into the bank before it closes?

There is no need to be afraid since you will be able to transfer money from one Access Bank to another by simply calling *901# on your cell phone.

If you choose, you may also use this approach to send money to any other Nigerian bank you choose. To complete your transaction, you will be needed to input your four-digit pin number into the appropriate field. This is done for the sake of safety and security.

Transfers from one access bank to the other

Using the *901*1*amount*account number# code, you may transfer money from one Access Bank account to another.
For example, to transfer money from one Access Bank account to another, dial *901*1*5000*123456789# and then enter the account number.

Transfer from Access banks to other banks

Alternatively, to make a transfer from Access Bank to another financial institution, dial *901*2*amount*account number#. For example, dial *901*2*5000*123456789# to transfer money from Access Bank to another financial institution.

3. Recharge your phone

In order to get your phone recharged, simply dial *901*amount# on the mobile number that you provided while enrolling for your Access Bank Account. Currently, all Nigerian telecommunications networks have taken advantage of the code service. There are no additional fees or charges when you use your Recharge Code to purchase airtime through your mobile network.

How to recharge your phone

When you want to recharge the phones of relatives and friends, use the code *901*amount*phone number#. For example, you may dial *901*500*07085000836# to replenish your pals’ batteries. A recharge will be initiated, and your account will be debited immediately after the phone number has been reactivated.

4. Pay Online bills
You can use access bank to make payment for your Prepaid DSTV subscription, PHCN bills, or any other costs that have accumulated.
To get started, simply dial *901*3# and follow the on-screen prompts to complete the process. You are allowed to work at your own pace to finish this task.

That is all for Access bank transfer code. Continue reading if you want to know more about USSD codes.

Use Cases of the USSD codes

1. Bank on the go

In contrast to banking apps, which require internet connectivity as well as smartphone capabilities, USSD banking may be accessed from any mobile device, including feature phones, and does not rely on any of these requirements.

2. Make Network configuration and requests

The use of USSD is required in order for a user’s mobile device to function effectively on a network. As well as this, it provides a menu of service options from which a user may choose for tasks such as purchasing airtime or checking account balances, among others.

3. Receive customer update requests

In order to request updated information from customers, it is possible to integrate USSD with enterprise resource planning (ERP) and customer relationship management systems (CRM). It is possible to provide better customer service while also increasing data accuracy.

4. Conduct Marketing Surveys

Through the use of USSD, it is possible to conduct mobile marketing campaigns. When companies want to get real-time consumer feedback, they may send out simple marketing surveys to which consumers can respond fast, allowing them to acquire information about their customers.

4. Sending out Order confirmations

The USSD code can be used by food delivery services to allow two-way communication between consumers placing orders and the vendors telling customers that their items have been dispatched to their locations.

How the USSD functions

Ussd is frequently associated with a mobile phone user making an enquiry, such as a request for the balance of a bank account over the phone.

Following receipt of the request by the USSD gateway, the request is forwarded to the user’s USSD application, which subsequently responds to the request and completes the transaction.

It is then necessary to reverse the method; this means that the response is sent back to the USSD gateway, which then displays the response on the user’s mobile phone screen and the cycle is repeated.

Most of the time, the responses, which are limited to a total of 182 alphanumeric characters, are communicated in a form that is easy to read and comprehend.

Using a short code, which is often a set of five numbers, the user may transmit and receive data fast and simply over the internet.

In contrast to mobile applications that operate on the user’s device, USSD applications run via the network. The upshot is that there is no need for them to be installed on the user’s phone, which is particularly advantageous for those who use feature phones with little storage space.

As soon as a USSD application is deployed on a network, it becomes immediately available to all of the subscribers on that particular network.


  • Abbey

    Abbey Johnson has a Masters degree as an engineer and has over 3 years of teaching and research experience. He is happiest when on a bike and is also interested in electric energy and computer Science.

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