Access Bank Sort Code: Everything You Need to Know in 2025
Have you ever been asked to provide your bank’s sort code and felt completely lost? You’re not alone. If you’ve ever tried to make a local transfer, receive funds from another bank, or even set up direct deposits, you’ve likely come across the term “sort code.” But what exactly is it? And why does Access Bank have multiple sort codes depending on location?
If you’re banking with Access Bank, whether you’re in Abuja, Lagos, or even outside Nigeria like Ghana or the UK, understanding the Access Bank sort code system is crucial to ensuring smooth and error-free transactions. Let’s break it all down together.
Access Bank Sort Code
A sort code is a unique 9-digit number assigned to each Access Bank branch, identifying its exact location within Nigeria’s banking network. It’s essential for routing money correctly in local (NUBAN) transactions. Think of it like a postal code, but for your bank.
For example:
- Access Bank Lagos Head Office Sort Code: 044150368
- Access Bank Abuja (Central Business District): 044080097
- Access Bank Asaba, Delta State: 044181080
Each of these sort codes uniquely identifies a branch, allowing electronic funds transfers (EFTs), automated payments, and cheque processing to go to the right place.
What Is the Structure of an Access Bank Sort Code?
Every Access Bank sort code in Nigeria follows a 9-digit format:
- First 3 digits: Bank code for Access Bank, which is 044
- Next 3 digits: Location/Branch identifier
- Last 3 digits: Branch serial number (or internal reference)
This format is standardized across all Nigerian banks by the Central Bank of Nigeria (CBN).
Why You Need to Know Your Sort Code
Here’s why knowing your sort code matters:
- To receive or send local transfers within Nigeria
- To link bank accounts with services like mobile apps, government payments, and salary processing
- To process direct debit or credit transactions
- To fill out forms correctly when asked for your bank details
How to Find Your Access Bank Sort Code
There are several ways to check your Access Bank sort code:
- Check your chequebook or account opening documents
- Visit an Access Bank branch and ask a customer service rep
- Log in to your online banking and check under your account info
- Use the Access Bank mobile app (look under account settings or account info)
- Search online by specifying your location, e.g., “Access Bank sort code Asaba” or “Access Bank sort code Abuja branch”
Access Bank Sort Code by Region (Selected Examples for 2025)
Here are verified examples of Access Bank sort codes by popular Nigerian regions:
- Access Bank Sort Code Lagos (Head Office, Victoria Island): 044150368
- Access Bank Sort Code Abuja: 044080097
- Access Bank Sort Code Onitsha, Anambra State: 044213021
- Access Bank Sort Code Aba Branch, Abia State: 044100146
- Access Bank Sort Code Uyo, Akwa Ibom: 044241059
- Access Bank Sort Code Ado Ekiti, Ekiti State: 044081438
- Access Bank Sort Code Owerri, Imo State: 044162448
- Access Bank Sort Code Benin City, Edo State: 044090161
- Access Bank Sort Code Calabar, Cross River State: 044050344
- Access Bank Sort Code Port Harcourt, Rivers State: 044172097
Access Bank Sort Code vs. SWIFT Code: What’s the Difference?
This confuses many people, so let’s clarify:
- Sort Code: Used for local Naira transactions within Nigeria
- SWIFT Code: Used for international wire transfers, often in USD or foreign currencies
If you’re receiving money from abroad (like the UK, US, or South Africa), you’ll need Access Bank’s SWIFT code, which is typically ABNGNGLA (but confirm with your branch).
Does Access Bank Have One Sort Code for All Branches?
No, it doesn’t. Each Access Bank branch has a unique sort code. For example:
- Access Bank sort code Abuja branch is different from
- Access Bank sort code Aba branch or
- Access Bank sort code Ikot Ekpene branch
So if you’re asked for your sort code, make sure it corresponds to the exact branch where your account is domiciled.
Quick Tips: How to Avoid Mistakes With Sort Codes
- Double-check your sort code before submitting any form or transfer instruction.
- If you’re unsure, ask your bank rep or check your mobile app.
- Don’t assume all Access Bank accounts share the same sort code—they don’t.
Beyond Nigeria: Access Bank Sort Codes in Other Countries
While the term “sort code” is mostly used in Nigeria and the UK, Access Bank also operates in other regions like:
- Ghana (look for “Access Bank Ghana sort code” or branch code)
- Zambia (Access Bank Zambia sort codes PDF)
- UK (sort codes follow UK banking format; check your account documents)
- Rwanda (Rwanda branch codes or BIC identifiers are used)
Each country has its own banking structure, so always refer to local details when doing cross-border transfers.
Keep Your Sort Code Handy
You don’t need to memorize it, but having quick access to your Access Bank sort code saves you stress, especially when you’re processing payments, dealing with corporate forms, or receiving funds.
Whether you’re in Lagos, Port Harcourt, Kano, or even outside Nigeria, understanding how Access Bank sort codes work gives you confidence and control over your financial transactions.
If you’re ever in doubt, don’t guess. Simply ask, check your banking app, or verify with a customer rep to ensure you’re using the correct code.