Access Bank USSD Code for Transfer: Your Simple Guide to Seamless Transactions

If you’ve ever needed to send money urgently—whether you’re stuck in traffic, at a market stall, or without internet—then you understand the power of quick, reliable mobile banking. That’s why knowing the Access Bank USSD code for transfer is not just helpful—it’s essential. In this guide, I’ll walk you through everything you need to know about using Access Bank’s USSD service to transfer money swiftly and securely.

Access Bank USSD Code for Transfer

The official Access Bank USSD code for transfer is *901#. This code is your gateway to instant mobile transactions without internet access. Once you’re registered, you can use it to send money to both Access Bank accounts and other banks in Nigeria.

Whether you’re trying to send funds to a family member, pay a vendor, or move money between your own accounts, this code simplifies the process.

What is the Transfer Code of Access Bank?

• The general USSD code is *901#
• For direct money transfers:
  • To Access Bank: *901*1*Amount*Account Number#
  • To Other Banks: *901*2*Amount*Account Number#

These are part of what many call the Access Bank USSD code for transfer to other banks or simply Access transfer USSD code.

How to Use Access Bank USSD Code for Transfer

Let’s break it down step-by-step so you can confidently use the code anytime, anywhere:

1. Dial *901# on the phone number linked to your Access Bank account.
2. Select the “Transfer” option.
3. Choose the destination (Access Bank or Other Bank).
4. Enter the recipient’s account number and the amount.
5. Confirm the bank name (if transferring to another bank).
6. Enter your 4-digit USSD PIN to authorize the transaction.

Tip: If you’ve never used USSD banking before, you’ll need to create a USSD PIN by dialing *901*0# and following the prompt.

Access Bank USSD Code to Transfer Money

You don’t need an app or data to use it. Here are examples for clarity:

• To another Access Bank account:
  *901*1*5000*0123456789#
• To a different bank (like Zenith or GTBank):
  *901*2*5000*0987654321#

These shortcuts are part of the Access Bank USSD code to do transfer functionality—quick, direct, and effective.

What is the PIN to Transfer Money from Access Bank?

This is the 4-digit PIN you set during USSD registration. It secures your transactions and ensures that even if your phone is stolen, no one can use the USSD code without the correct PIN.

If you’ve forgotten it or want to change it, simply dial *901*0# and follow the prompts to reset your PIN.

Transfer Limits Using Access Bank USSD

Knowing the Access Bank USSD code transfer limit helps you plan better:

• Daily Limit: Up to ₦100,000 (depending on your account type and profile)
• Per Transaction Limit: Usually around ₦20,000 – ₦50,000

For larger transactions, Access Bank recommends using the mobile app or internet banking platforms.

Common Issues: USSD Code Not Working?

Sometimes users report that the Access Bank USSD code for transfer is not working. Here are common reasons and what you can do:

• SIM not linked to your account: Use the phone number registered with your Access Bank profile.
• Network issues: Wait a moment and try again.
• Incorrect PIN: Triple-check before entering.
• Blocked service: Contact Access Bank customer support if the issue persists.

Specialized Transfers with Access Bank USSD

The same code can be used for targeted transfers to platforms like Opay, PalmPay, and others, depending on your needs:

• To Opay: Dial *901*2*Amount*Opay Account Number#
• To PalmPay: Use the same pattern—ensure the account number is correct.

These platforms are often listed under Other Banks, so just confirm the bank name during the transaction process.

Why Use USSD Transfers?

If you’re wondering why the Access Bank USSD code to transfer money is popular, here are a few reasons:

• No internet needed
• Works 24/7
• Quick confirmation
• Safe and PIN-protected

It’s especially helpful for users in areas with poor internet connectivity or when speed is critical.

Now that you understand the Access Bank USSD code for transfer, you can move money easily from your mobile phone without visiting a branch or using an app. Whether it’s to another Access Bank account or a different Nigerian bank, the USSD service ensures you stay in control of your finances at all times.

And remember, it’s not just about knowing the code—it’s about using it wisely and securely. So go ahead, try *901# the next time you need to send money fast. It’s banking made simple, right in your pocket.