Access Bank Codes For Transfer: Access Bank Transfer Tips

A Comprehensive Guide to Access Bank Transfer Codes and Processes

Moving money conveniently, quickly, and securely is an essential part of modern banking. Access Bank offers its customers various options for transferring funds between Access Bank accounts as well as to other banks. This guide will provide a detailed overview of the different Access Bank money transfer methods, codes, charges, and tips for a smooth transfer experience.

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Access Bank is one of the top banks in Nigeria with over 600 branches and service outlets across the country. The bank offers retail, business, and corporate banking services. For customers looking to transfer money, Access Bank provides two main options:

  • USSD transfer
  • Mobile app transfer

Both options allow you to quickly move money without visiting a bank branch. However, there are some differences in the transfer process, charges, and limits you should be aware of.

USSD Money Transfer

USSD, which stands for Unstructured Supplementary Service Data, is a protocol used by mobile networks to communicate with a phone. USSD transfers use your phone’s regular dialer and do not require internet access.

Here is a step-by-step guide on how to transfer money via USSD on Access Bank:

Step 1: Dial *901#

To initiate a funds transfer, dial *901# on your registered Access Bank mobile number. This will bring up the bank’s USSD menu.

Step 2: Follow the prompts

You will be presented with various options on the USSD menu. Select the option for funds transfer by pressing the corresponding number.

The options may change over time but generally include:

  • 1 – Airtime purchase
  • 2 – Transfer to Access account
  • 3 – Transfer to other banks

Select option 2 or 3 depending on whether you want to move money to another Access Bank account or an account with a different bank.

Step 3: Enter recipient’s account details

After selecting the transfer option, you will be prompted to enter the account details of the recipient. This includes:

  • Account number
  • Bank name
  • Account name

Make sure this information is exactly right to avoid any errors.

Step 4: Enter the transfer amount

The next step is to input the amount you wish to transfer. Enter the figure carefully and double check it is correct.

Step 5: Input your PIN

For security, you will need to input your four-digit Access Bank PIN number to authorize the transfer. This authenticates you as the account holder.

Step 6: Confirm details

Before completing the transfer, you will be shown a summary of the details – recipient account, amount etc. Carefully review this to ensure there are no mistakes.

Step 7: Wait for confirmation

If all the details are correct, confirm the transfer and wait for a notification message from Access Bank indicating a successful transaction. You will also get an SMS notification.

And that completes the Access Bank USSD money transfer process. The funds should reach the recipient’s account almost instantly.

Mobile App Transfer

The Access Bank mobile app provides another convenient way to transfer money right from your smartphone. The app is available for both Android and iOS devices.

Follow these steps to transfer money via the Access Bank mobile app:

Step 1: Download and login

Download the Access Bank mobile app from the Google Play Store or Apple App Store. Register and login with your account credentials.

Step 2: Select ‘Transfer’

From the homepage of the app, select the “Transfer” option. This will open the money transfer screen.

Step 3: Choose the account

You can transfer from any of your Access Bank accounts linked to the mobile app. Select the relevant account from which you want to transfer money.

Step 4: Enter recipient details

Similar to the USSD process, you need to enter details like the name, account number, and bank name of the person receiving the funds. Ensure these details are accurate.

Step 5: Input the amount

Enter the transfer amount. You will be able to see the balance in your account as a guide.

Step 6: Review and confirm

Carefully review the transfer details before authorizing the transaction. You can go back and edit any errors at this stage.

Step 7: Authenticate with PIN or biometrics

For security, you will need to enter your banking PIN or use biometrics (fingerprint or facial recognition) to approve the transfer.

Step 8: Wait for confirmation

If approved successfully, you will get a notification from the app confirming execution of the transfer. The recipient will also receive the funds in real-time.

This completes the Access Bank mobile app transfer process. It provides an easy and secure way to send money without visiting a bank branch.

Transfer Limits and Charges

When moving funds from Access bank, there are certain limits and costs you should keep in mind:

Transaction limits

  • Minimum transfer amount is ₦100
  • Maximum transfer amount per day is ₦1 million for individuals and ₦5 million for corporate accounts

Transfer fees

  • ₦6.98 per transaction charged by your mobile network provider
  • 1% of transfer amount for interbank transfers above ₦40,000
  • No charge for transfers to Access Bank accounts

So for small transfers below ₦40,000, you will only pay the standard ₦6.98 networking fee. But larger interbank transfers will attract an additional 1% charge from Access Bank.

There are no limits on the number of transfers you can make per day. But the cumulative amount is capped based on your daily maximum transfer limit.

It’s advisable to stay aware of these charges so you can factor them into your transfers. Also try to batch multiple transfers instead of doing several individual transactions to minimize fees.

Additional Tips for Smooth Money Transfers

Follow these tips when transferring money through Access Bank for a seamless experience:

  • Accurately enter the recipient’s account and bank details – any errors can delay or prevent successful transfer.
  • Start with small transfer amounts to test and confirm the process before moving large sums.
  • Save the recipient as a beneficiary on the mobile app for quicker future transfers.
  • Avoid transferring just before late cut-off times when banks are processing end-of-day batches. Transfers can be delayed.
  • Notify the recipient that you have moved the money so they can confirm when received.
  • Check your account statement to verify successful debit of transfer amount.
  • Contact Access Bank customer care if any issues like failed transfers, delays, or unclear charges.

Following these tips and the step-by-step processes outlined earlier will enable you to easily, quickly, and securely transfer money from your Access Bank account via USSD or mobile app.

Frequently Asked Questions

Here are answers to some common questions about Access Bank money transfers:

Is there a limit on the number of transfers per day?

No, Access Bank does not restrict the number of transfers you can make in a day. However, there is a daily transfer amount limit of ₦1 million for individuals and ₦5 million for corporate accounts.

Can I transfer money to accounts in other banks?

Yes, you can transfer money from your Access Bank account to any bank account in Nigeria using the USSD or mobile app options.

What happens if I enter the wrong account details?

Providing inaccurate recipient account details when transferring money can lead to a failed transaction or the funds being sent to the wrong account. Double check the details before confirming transfers.

Is there a charge for transfers to other Access Bank accounts?

No, you can transfer money for free to other Access Bank accounts in Nigeria using USSD, mobile app or internet banking options.

Can I use the USSD menu in any phone network?

To use the Access Bank USSD *901# service your phone number must be registered with Access Bank. It will not work on unregistered numbers even if they belong to other networks.

How long do transfers take to reflect?

Transfers between Access Bank accounts happen instantly. For interbank transfers, funds should reflect in the recipient’s account within a few minutes, but may take up to 1 hour during peak periods.

What happens if I enter a wrong amount?

You should thoroughly review and confirm transfer amounts before authorizing transactions. If you wrongly enter a very large amount, contact Access Bank immediately to try and stop it.

How do I get started?

Visit any Access Bank branch and open an account. Make sure your phone number is registered on the account to activate mobile banking services. You can then start transferring using the *901# USSD code or mobile app.


Access Bank offers a convenient way to transfer money digitally without visiting a bank branch. Customers can leverage the *901# USSD short code or the Access Bank mobile app on smartphones to move funds securely to recipients.

Key benefits include speed, convenience, and security of transactions. By following the step-by-step guidelines provided and keeping transfer limits and charges in mind, you can seamlessly send and receive money via your Access Bank account. Checking for notifications and contacting Access Bank for any issues will also ensure a smooth funds transfer experience.


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