How to Activate Transfer Code for Access Bank
If you’re like most of us who prefer quick banking without standing in long queues or depending on internet access, knowing how to activate transfer code for Access Bank is not just useful — it’s essential. Whether you’re new to USSD banking or simply trying to enable transfers without an ATM card, I’ll walk you through everything you need to know clearly and confidently.
How to Activate Transfer Code for Access Bank
The Access Bank USSD code for transfer and mobile banking is *901#
. But before you can make any transfers, you must first activate the transfer code on your phone using the registered number linked to your Access Bank account.
Step-by-Step method to Activate the Transfer Code
Here’s how to activate the transfer code in Access Bank:
- Dial
*901#
on the phone number connected to your Access Bank account. - Select “Transfer” or “Register” from the USSD menu.
- Enter your 10-digit Access Bank account number.
- Create a 4-digit PIN that you’ll use for all future USSD transactions.
- Confirm your PIN.
Once successful, you’ll receive a confirmation message. Your transfer code is now active and ready to use for transactions.
How to Activate Transfer Code for Access Bank Without ATM Card
Now, if you don’t have an ATM card, you’re not left out. You can still activate the code easily. Here’s how to activate transfer code for Access Bank without ATM card:
- Dial
*901#
using the number linked to your account. - Select “Transfer” or “Other Services”.
- When prompted to enter card details, choose the option to proceed without ATM card.
- You may be asked for alternate authentication, like date of birth or BVN.
- Set your unique 4-digit USSD PIN.
This method is especially helpful for customers who open accounts through the Access Closa agent network or via the mobile app and haven’t received their debit cards yet.
How to Activate Transfer Code for Access Bank Online
If you prefer digital activation, you can also initiate the process online through Access Bank’s mobile app:
- Download the Access More app from your app store.
- Log in or sign up using your account number and phone number.
- During setup, create your USSD PIN.
- This activates your USSD profile alongside app access.
Even though you’re using the app, once the PIN is set, your *901#
transfer code becomes active as well.
What Is the Code to Transfer on Access Bank?
The official USSD code to transfer money on Access Bank is:
*901*Amount*Account Number#
For example, if you want to send ₦5,000 to 0123456789, just dial *901*5000*0123456789#
and follow the prompt to enter your PIN.
This USSD system works 24/7 and supports transfers to both Access Bank and other banks in Nigeria.
Access Bank Transfer Code Activation: Use Cases
Here’s where Access Bank transfer code activation comes in handy:
- Emergency transfers without internet
- Rural areas with weak data signals
- Customers without smartphones
- Quick airtime top-up, bill payment, and loan requests
Common Transactions You Can Do After Activation:
- Fund transfers
- Airtime and data purchase
- Bill payments (TV, electricity, etc.)
- Balance enquiry
- Blocking ATM card
- Checking account number or BVN
Why This Matters
I once helped a friend in a remote part of Delta State activate his USSD banking after his phone was damaged and he hadn’t yet collected his ATM card. He simply dialed *901#
, followed the no-card option, verified with BVN, set a PIN — and was back in control. No app. No ATM. Just simplicity.
Access Bank Transfer Code Not Working?
If you dial *901#
and it doesn’t respond or gives errors:
- Ensure you’re dialing from your registered phone number.
- Check for mobile network signal — poor reception can delay USSD sessions.
- Avoid using dual-SIM phones without selecting the correct line.
- Contact Access Bank customer care if the issue persists.
Knowing how to activate transfer code for Access Bank gives you the freedom to bank securely and efficiently, with or without an ATM card. Whether you’re in Nigeria or outside the country with roaming access, the *901#
code is your banking shortcut.