How to Transfer Money from Access Bank

Transferring money from your Access Bank account has become faster and more convenient than ever. Whether you want to send money to another Access Bank account or to any other bank in Nigeria, Access Bank provides multiple secure transfer channels, including USSD banking, the Access More mobile app, internet banking, ATMs, and bank branches.

This guide explains every available method to transfer money from Access Bank, the requirements, transfer limits, charges, common problems, and solutions.

How to Transfer Money From Access Bank Using USSD Code

The fastest way to transfer money without internet access is by using the Access Bank USSD code.

Access Bank Transfer Code

Dial:

*901*Amount*Account Number#

For example:

*901*5000*0123456789#

After dialing the code:

1. Select the recipient’s bank.

2. Confirm the recipient’s name.

3. Enter your 4 or 5-digit USSD PIN.

4. Confirm the transaction.

Once successful, both you and the recipient will receive an SMS notification.

Requirements for Access Bank USSD Transfer

Before using the USSD transfer service, ensure that:

• Your phone number is linked to your Access Bank account.

• You have activated Access Bank USSD Banking.

• You have created a USSD transaction PIN.

• Your account has sufficient funds.

• Your mobile network is available.

How to Register for Access Bank USSD Banking

If you have never used the service before:

1. Dial *901#.

2. Select Register.

3. Verify your account.

4. Create your transaction PIN.

5. Complete the registration.

After registration, you can transfer money anytime.

How to Transfer Money From Access Bank Using the Access More App

The Access More App is one of the safest ways to perform transfers.

Steps

1. Open the Access More App.

2. Log in securely.

3. Tap Transfers.

4. Choose:

   • Access Bank Transfer

   • Other Banks

5. Enter the recipient’s account number.

6. Select the recipient’s bank.

7. Enter the transfer amount.

8. Add a narration (optional).

9. Review the details.

10. Authenticate with your PIN, fingerprint, or Face ID.

11. Submit the transfer.

The transaction is processed almost instantly.

How to Transfer Money Through Access Bank Internet Banking

Customers who prefer using a computer can transfer money through internet banking.

Steps include:

1. Visit the official Access Bank Internet Banking portal.

2. Sign in with your User ID and password.

3. Select Transfers.

4. Choose the beneficiary.

5. Enter the transfer amount.

6. Confirm the details.

7. Authorize the transaction using your token or OTP.

8. Submit the transfer.

How to Transfer Money Using an Access Bank ATM

You can also transfer money from an Access Bank ATM.

Steps:

1. Insert your ATM card.

2. Enter your PIN.

3. Select Transfer.

4. Choose:

   • Access Bank Account

   • Other Banks

5. Enter the recipient’s account number.

6. Input the amount.

7. Confirm the beneficiary’s name.

8. Complete the transaction.

How to Transfer Money Inside an Access Bank Branch

Customers who prefer physical banking can visit any Access Bank branch.

Simply:

• Fill out a transfer form.

• Provide the recipient’s account details.

• Submit the form.

• Present valid identification if required.

• Authorize the transaction.

The bank staff will process the transfer.

How to Transfer Money to Another Access Bank Account

Transfers between Access Bank accounts are usually completed within seconds.

Available channels include:

• USSD Banking

• Access More App

• Internet Banking

• ATM

• Branch

How to Transfer Money From Access Bank to Other Nigerian Banks

Access Bank supports transfers to virtually every licensed Nigerian bank, including:

• First Bank

• GTBank

• Zenith Bank

• UBA

• Fidelity Bank

• Union Bank

• Stanbic IBTC

• Sterling Bank

• FCMB

• Wema Bank

• Keystone Bank

• Polaris Bank

• Ecobank

• Providus Bank

• Jaiz Bank

• Moniepoint MFB

• Opay

• PalmPay

• Kuda Bank

• Sparkle

• Titan Trust Bank

• Lotus Bank

• Parallex Bank

• PremiumTrust Bank

• And many other financial institutions.

Access Bank Transfer Charges

Transfer fees depend on:

• The amount transferred.

• The recipient’s bank.

• Applicable electronic transfer charges regulated by financial authorities.

Customers should review the displayed charges before confirming any transaction.

Access Bank Daily Transfer Limit

Transfer limits vary depending on:

• Transfer channel

• Account type

• Customer verification level

• Security profile

Customers requiring higher limits can request an upgrade at any Access Bank branch.

Benefits of Using Access Bank Transfer Services

Using Access Bank transfer channels offers several advantages:

• Instant transfers

• 24/7 availability

• High security

• Multiple transfer options

• Easy beneficiary management

• Quick confirmation alerts

• Nationwide accessibility

• Convenient for personal and business transactions

Common Reasons Access Bank Transfer May Fail

Sometimes transfers may not go through because of:

• Insufficient account balance

• Poor network connectivity

• Incorrect account number

• Exceeded transfer limit

• Incorrect transaction PIN

• Temporary banking system maintenance

• Recipient bank downtime

Most failed transfers are automatically reversed if the recipient is not credited.

What to Do If Your Transfer Is Pending

If your transaction remains pending:

• Wait a few minutes.

• Check your account balance.

• Review your transaction history.

• Contact Access Bank Customer Care.

• Visit the nearest branch if the issue persists.

Always keep your transaction reference number.

Security Tips When Sending Money From Access Bank

To keep your account safe:

• Never disclose your PIN or OTP.

• Confirm the recipient’s name before sending money.

• Avoid using public Wi-Fi for banking.

• Enable transaction alerts.

• Update your mobile banking app regularly.

• Report suspicious transactions immediately.

Frequently Asked Questions (FAQs): How to Transfer Money From Access Bank

What is the Access Bank transfer USSD code?

The Access Bank transfer code is *901*Amount*Account Number#.

Can I transfer money without internet?

Yes. You can use the *Access Bank USSD code (901#) without an internet connection.

Can I transfer money to other Nigerian banks?

Yes. Access Bank allows transfers to all major banks and many licensed financial institutions in Nigeria.

Do I need to register before using the transfer code?

Yes. Your phone number must be linked to your Access Bank account, and you must activate the USSD banking service.

Is the Access More App free?

Yes. The app is free to download, although normal data charges may apply.

How long does an Access Bank transfer take?

Most transfers are completed within seconds, though delays can occasionally occur due to network or interbank processing issues.

What should I do if I send money to the wrong account?

Contact Access Bank Customer Care immediately with your transaction details. The bank will advise you on the available recovery process.

Can I transfer money from abroad using Access Bank?

Yes. Customers with internet banking access or the Access More App may be able to initiate eligible transactions while abroad, subject to applicable policies and security verification.

Conclusion

Access Bank offers multiple fast, secure, and convenient ways to transfer money, whether through the USSD code (*901#), the Access More App, internet banking, ATMs, or bank branches.

By choosing the transfer method that best suits your needs and following the recommended security practices, you can complete transactions safely and efficiently.

Always verify the recipient’s details before confirming a transfer and keep your transaction receipt or reference number until the payment is successfully completed.

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