Access Bank USSD Code to Check Balance: A Simple Guide for Everyday Banking
If you’ve ever found yourself wondering, “How much do I have in my Access Bank account?” — but you don’t have access to the app or internet — I completely understand. Whether you’re on the go, in a rural area, or just need a quick update, knowing the Access Bank USSD code to check balance can save you time, stress, and even avoid embarrassing financial surprises. In this article, I’ll guide you step-by-step on how to check your balance easily using your phone—no app, no data required.
Access Bank USSD Code to Check Balance
The official Access Bank USSD code to check balance is *901*5#.
This code works for all registered Access Bank customers who have linked their phone numbers to their bank accounts. It’s fast, reliable, and doesn’t require internet access—just a mobile signal.
How to Check Balance on Access Bank USSD
To use this code successfully, follow these quick steps:
- Dial
*901*5#on your mobile device (using the SIM registered with your Access Bank account). - Enter your 4-digit USSD PIN to confirm your identity.
- Your account balance will be displayed instantly on your phone screen.
If you’re new to Access Bank’s USSD services, dial
*901#first and follow the prompts to register and create your USSD PIN.
What Is the Code to Check Balance for Access Bank?
- Balance Enquiry Code:
*901*5# - This USSD shortcode is available 24/7 and works with all major mobile networks in Nigeria.
Access Bank USSD Code to Check Balance Without ATM
If you’ve lost your ATM card or simply don’t want to use it, this code lets you check your account balance without going to an ATM or logging into an app. It’s perfect for moments when you’re not near a machine or don’t have access to digital banking.
This also applies to users of legacy Access Diamond Bank accounts, where USSD banking has been unified under the same platform: *901#.
Other Helpful USSD Codes from Access Bank
Here are more USSD options you may find useful:
- To transfer funds:
*901*1*Amount*Account Number#(for Access Bank),*901*2*Amount*Account Number#(for other banks) - To recharge airtime:
*901*Amount# - To check BVN:
*565*0#(network-dependent) - To borrow money/loan:
*901*11# - To buy data:
*901*8# - To block your ATM card:
*901*11# - To retrieve account number: Use
*901#, select account services.
These options show that Access Bank’s USSD platform is more than just for checking your balance—it’s a fully functioning banking system.
Access Bank USSD Code to Check Account Number
You might not always remember your account number offhand. Luckily, you can also retrieve it by:
- Dialing
*901# - Choosing the “Account Enquiry” or related option
- Entering your PIN to view your Access Bank account number
This feature is helpful for those managing multiple accounts or who recently opened one.
Real-Life Example
Let me share something practical. A friend of mine needed to confirm her balance before authorizing a payment at a local store. With no internet and a dead mobile app, she used *901*5# and got her balance in seconds. That small action saved her from a potentially embarrassing moment and helped her make a quick decision.
Is There a Charge for Using the USSD Code?
Yes. Most USSD transactions, including balance enquiries, attract a small network charge, typically between ₦5 and ₦10. It’s deducted from your airtime and not your bank balance, so make sure you have a little credit before using the code.
Access Bank USSD Code to Check Balance in Nigeria and Abroad
The service primarily works within Nigeria. However, if you’re roaming internationally with a Nigerian SIM, and still have network access, you can use the code provided your line is active and the USSD service isn’t restricted.
Why Should You Use USSD to Check Balance?
Here are just a few reasons I recommend it:
- No internet or data needed
- Fast response time
- Works on any phone—smart or basic
- 24/7 availability
- Safe and PIN-protected
Check Your Account Balance on Access Bank
Checking your account balance shouldn’t be complicated, and with the Access Bank USSD code to check balance, it no longer is. Just dial *901*5#, input your PIN, and you’re good to go. Whether you’re at home, in the office, or in the middle of nowhere, this code gives you control over your finances—right from your phone.
Always remember to keep your USSD PIN safe and never share it with anyone. Banking made simple is only useful when it’s also secure.