Banks work round the clock to make banking convenient for its customers. Mobile banking is one of the recent innovations that allows customers access banking services from the comfort of their homes. Access bank has taken the challenge and ran with it by introducing a USSD Code that can be used on a feature phone as well as a smart phone.
The USSD code enables customers to transact using their mobile phones with or without an internet connection. This helps mobile users in the countryside with limited knowledge of online transactions.
This service has improved the bank’s service delivery by ensuring convenience and accessibility which is revolutionary. In this article, you will find all the information you need on various queries on the USSD Code.
First,
Definition of Access Bank USSD Code
This is a short code that allows its customers to perform a wide range of bank transactions such as sending and receiving funds through mobile wallets or other accounts and checking account balances.
Additionally, it allows the customer to pay bills, top up airtime for others and themselves as well opening a new account in the comfort of their homes.
With this USSD Code, customers carry out these transactions fast and quickly without physically visiting the bank premises. An Internet connection is not needed with the Code.
How to Register for Access Bank USSD Code
To access the bank services, dial *901# on your phone then follow the displayed prompts on the screen. Registration also entails activation of the short code which is highlighted below. You will be required to create an authentication method to secure your account anytime you use the short code.
To transfer money to another person’s account, choose the transfer option, enter the account number of the recipient, amount then enter your pin to confirm the transaction.
What You Need to Register for Access Bank Transfer Code
The activation process is also the registration procedure that is easy and straightforward. However, the customers need to meet these requirements:
- Have a mobile phone number linked to their bank account. To link your number to the bank account, visit their branch near you or reach out to their customer care centre.
- Ensure the number linked to your account is active and you can access it anytime.
- The phone number should allow the sending and receiving of SMS since this is the primary mode of communication between the Code and the customer.
- The account should be in good books with the bank and active. This means it should be free of outstanding debts or any other account issues.
- Ensure that the phone number linked to the account is the same as the one linked to the Access Bank Account.
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By meeting all the requirements, the customer avoids account mishaps that may result from mix-up of details. This ensures smooth running of the transactions.
Now the customer can activate the account by dialling *901# on the mobile phone and then following the prompts on the screen.
Afterwards, enter your Bank Account number, create a security code that is made up of a 4-digit PIN (Personal Identification Number) and confirm it. This process registers and activates the Code and it is ready for use for various transactions.
Code’s Safety Tips and Charges
- Customers must not disclose or share their PIN with anyone as this compromises their Access Bank Account security.
- Ignore unsolicited SMSs and calls requesting your bank details of Personal Identification Number as well as phone or email confidential.
Also, customers should have their airtime recharged before using this USSD Code because network charges may apply when it is dialled.
Detailed List of Access Bank USSD Codes
Following step by step prompts can be annoying at times. The list of codes below helps with this by taking you directly to the desired service.
- Dial *901*0# to Check the Account Balance
- Type *901*2*Amount*Account Number# for money transfer to a different Access Bank Account
- Dial *901*3*Amount*your Account Number# to Transfer money to a different bank in Nigeria
- Dial *901*4*1*Phone Number of the Beneficiary*Amount# to Buy Airtime to Self
- *901*4*2* Other Person’s Phone Number*Amount# to buy Airtime for Someone else
- Dial *901*5# to Pay Bills
- *901*6# to Update BVN
- *901*7# to Link an Account
- *901*8# for Cardless Withdrawals
- *901*i10# to block a card
Steps of Blocking Access Bank Transfer Code
Could you be suspecting that your USSD Code is compromised? Follow these steps to secure it:
- Dial *901*911# from the number linked to your Access Bank Account
- Choose option 5 to block the USSD Code
- Enter your 4-digit PIN
- Confirm the command
How to Unblock Your USSD Code
After collaborations with the banks and ensuring your USSD Code’s security, you can unblock it as follows:
- Dial *901*911# from the phone number linked to your account
- Choose option 6
- Key in your 4-digit Pin
- Confirm your Command
Accessing a Loan Through USSD Code
Are you in dire need of money urgently? Access bank offers PayDay loans to Eligible customers at low interests right from your phone.
Follow these steps:
- Dial *901# from the number linked to the bank account
- Access Diamond Users should dial *426# then proceed.
- Choose option 2 for the loan
- Follow all on-screen prompts to complete the application
Alternatively, dial *901*11# for ordinary customers or *426*11# for Diamond users to go direct to the loan option. These short codes can be used on cell phones or smartphones without an internet connection though network charges may apply.
FAQs
What is the PIN for Access Bank/ USSD Code Transfer?
This is a confidential 4-digit number set up when registering for an Access Bank Code for USSD. It is used as the password for accessing your Bank Transfer Code
Can I use Access Short Code on all Mobile Phones?
Sure, Access USSD Code is accessible from any mobile phone with a dial pad and ability to receive and send SMS. It does matter if it is a smart phone of just a feature one.
Can I transfer money from Access Bank to another Bank Using the USSD Code and How?
Yes, it is possible to transfer money to another Bank through the Code. Simply dial *901*3*amount*account Number# using the phone number linked to your account
How can I borrow money through the Access Bank Transfer/ USSD Code?
You can access a quick loan by dialling *901*11# then, following the prompts to fill in the amount then enter your PIN to confirm your action.
Can I open a Bank Account through the Access Bank Transfer/USSD Code?
Yes. You can open a bank account through the Code by dialling *901#. You can also visit their bank to open an account seamlessly.
Conclusion
Using Access Code USSD Code has helped its customers enjoy a seamless bank transaction experience without internet constraints. By simply dialling *901#, you can access countless services in the comfort of your home or office. Additionally, you can transfer money to other same-bank Accounts and other banks across Nigeria.
Though network charges may apply, the charges are dismal compared to the convenience and efficiency that come with it.
