Access Bank USSD *901# pin code: How to register and transfer money

Last Updated on February 5, 2025 by admin

The last few years have witnessed a change in the modus operandi of most industries from the traditional approach to a more technologically advanced method.

The use of technology in most industries to advance services is a global experience, and Nigeria is not left out. One industry in Nigeria to have adopted technology for its day to day running is the banking sector. Banks have drifted from the traditional approach of a compulsory physical gathering to a more effective and customer friendly online/ internet banking.

Customers no longer have to queue at the banking hall to perform basic transactions like transferring money, paying utility bills, checking their account balance. Technology has created room for a fast and secure banking experience.

Banks have leveraged the ease and speed of mobile banking, leading to reliability and efficiency in the industry.

The introduction of the Unstructured Supplementary Service Data (USSD) has brought a more delightful experience for Nigerians who do not have to go through the rigour of traffic, queues, and stress just to perform basic transactions.

The USSD codes are designed to help customers perform transactions without constraints like mobile data or using an app like mobile app banking.

From the comfort of their homes, customers can perform basic transactions on their mobile devices using these USSD codes.

USSD-based mobile banking can be used for fund transfers, checking account balance, generating bank statements, among other uses.

To use the USSD mobile banking code, customers will have to dial a specific code generated by their bank and use the interactive menu displayed on their screen.

As a leading Nigerian bank, Access Bank has a 24-hour mobile banking service that enables customers to make seamless transactions without constraints.

Read: All Access Bank USSD Code (*901#) for Transaction

How to register/create an Access Bank USSD *901# pin code

The *901# service is safe, convenient, and a secure platform for transacting. Customers will need to input their unique PIN to authenticate every transaction as a personal security measure.

The following steps will help customers create their Access Bank USSD *901#pin codes.

1. Dial *901# with your registered phone number
2. Click on ‘Transfer’
3. Enter the last 6 digits of your Debit Card number (You will be prompted to input your 4. Date of Birth if you do not have an active debit card).
5. Enter your account number
6. Create a 4-digit PIN.

How to transfer money using the Access Bank USSD code to another bank

To transfer money using Access Bank, you have several options: USSD code, Mobile App, Internet Banking, or Visiting a Branch. Here’s how to do it using each method:

Using the USSD Code:

• To Access Bank Accounts:

  1. Dial *901*Amount*NUBAN Account Number# (e.g., *901*1000*1234512345#) from your registered phone number.
  2. Authenticate the transaction with your 4-digit security code (you can create this code through the *901# menu if you haven’t already).   

• To Other Bank Accounts:

  1. Dial *901# from your registered phone number.
  2. Select “Send Money” and then “To Other Banks.”
  3. Follow the prompts to choose the recipient bank, enter the account number and amount.
  4. Authenticate with your 4-digit security code

Using the Mobile App:

1. Install the Access Bank Mobile Banking app from the Apple App Store or Google Play Store.
2. Use your credentials to log in.
3. Tap on “Transfer” in the menu.
4.  Choose “Other Bank Transfer”.
5. Input the recipient’s account number and the amount to transfer.
6.  Review the transaction details and confirm.
7.  Use your transaction PIN to complete the transfer.

Using Internet Banking:

1.  Go to the Access Bank website and log in to your online banking account.
2. From the menu, select “Transfer”.
3.  Choose “Other Bank Transfer”.
4. Input the recipient’s account number and the amount to transfer.
5. Review the transaction details and confirm.
6.  Use your transaction PIN to complete the transfer.

Visiting a Branch:

1. Go to your nearest Access Bank branch.
2. Complete the transfer form with the recipient’s account details and the amount to transfer.
3. Submit the form to the bank teller.
4.  Use your ATM card and PIN to authenticate the transaction.

Read: How to buy airtime from zenith bank

How to change Access Bank  ussd  Pin/reset

Access bank Customers can easily change their pin when they forget their pin by following the steps below:

1. From your registered phone number with Access Bank, dial *901*0#.
2.  Choose the “Other Services” option from the menu.
3. Next, select the “RESET PIN” option.
4. When prompted, enter the last 6 digits of your ATM debit card number.
5. Enter your new 4-digit USSD PIN.
6.  Re-enter the new PIN to confirm.

You’ll receive a confirmation message once the process is successful.

How to Update Access bank customer info using ussd code

The good news is that customer that are in diaspora that have their sim card roam can make use of the magic code to update their information, transfer money, pay bills and buy airtime for family and friends back home in Nigeria

To update information customers need to dial *901*12#

1. Next, select the “Update Info” option.
2.  Follow the prompts to enter the updated information (e.g., phone number, email address, etc.).
3. Use your 4-digit USSD PIN to confirm the changes.

You’ll receive a confirmation message once the update is successful.

How to use Access bank USSD on POS

Whenever you visit POS and feel unsecure to give out your ATM card you can make use of cardless by dial *901*000*RefCode#

1. Input the amount you wish to transfer or pay.
2. When prompted, enter your 4-digit USSD PIN to authenticate the transaction.
3. Confirm the transaction details and complete the payment.

This method allows you to make secure transactions directly from the POS terminal using your USSD code.

How to To deactivate phone number on Access Bank USSD

This service can be accessed via any phone or phone number when you are attach or when your account is compromise by fraudsters using ussd as mean of transaction, all you need do is to follow the steps below:

1. From your registered phone number, dial *901*911#.
2.  Choose the “Third Party” option from the menu.
3.  Input the phone number linked to your Access Bank account.
4.  Choose the Access Bank account you want to deactivate.
5. Authenticate the transaction by entering your 4-digit USSD PIN.

Once you complete these steps, your phone number will be deactivated from the Access Bank USSD service

Read: How to register for Wema bank online banking and mobile app

List of Access bank ussd code

Read: How to register for Unity bank internet banking and Mobile App and transfer money

FAQS

• What is Access bank  ussd code *901#?

• 901# is Access Bank’s USSD code for mobile banking. It allows you to perform transactions like money transfers, airtime purchase, balance checks, and more directly from your phone without needing internet access.   

• Do I need internet access to use 901#?

• No, you don’t. It works through your mobile network’s USSD system.

• Is there a charge for using 901#?

• While Access Bank generally doesn’t charge for the *901# service itself, your mobile network operator might have nominal charges for USSD transactions. Check with your provider.

• What if I forget my 901# PIN?

• You can reset your PIN by dialing *901*0# or *901# and navigating to the PIN reset option. You’ll typically need to provide your date of birth for verification.   

• Is it safe to use 901#?

• Yes, it’s generally safe. Your transactions are secured by your 4-digit PIN. Never share your PIN with anyone.   

• What if my phone number isn’t registered with Access Bank?

• You’ll need to visit an Access Bank branch to register your phone number with your account.

• Can I use any phone number to register?

• No, you must use the phone number that is linked to your Access Bank account.

• What if I enter the wrong PIN during registration?

• You may be locked out after multiple incorrect attempts. You’ll then need to follow the PIN reset process.

• What information do I need to transfer money?

• You’ll need the recipient’s bank name and account number.

• Is there a limit to how much money I can transfer?

• Yes, there are daily transaction  N100,000 limits, which may vary. Contact Access Bank to confirm the limits.

• How long does it take for the transfer to go through?

• Transfers within Access Bank are usually instant. Transfers to other banks might take a little longer, depending on the receiving bank’s processing time.

• What if I transfer money to the wrong account?

• Contact Access Bank customer service immediately. They may be able to help reverse the transaction, but this is not guaranteed. It’s crucial to double-check account details before confirming a transfer.

• Can I transfer money to someone outside of Nigeria using 901#?

• Generally, *901# is for domestic transfers within Nigeria. For international transfers, you’ll need to use other Access Bank services, such as their mobile app or internet banking platform.

• What if I get an error message during a transfer?

• Check that you have sufficient funds, that you’ve entered the correct PIN and account details, and that your phone number is registered. If the issue persists, contact Access Bank customer service.