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BANKING · QUARTERLYas of 2026-07-28

Access Bank: USSD Code, Transfer Charges, SWIFT Code & Rates

Commercial bank · Access · 100 Lagos branches · ₦5M NDIC coverage

AT A GLANCE
SWIFT
ABNGNGLA
USSD
*901#
Savings rate
1.5–3.5%
Fixed deposit
13–20%
WHY THIS BANK

Zero fees + 5-minute loan approval. Best for salary accounts if you hate charges.

Largest bank in Africa by customer base (60M+). Zero maintenance fees, zero SMS fees on salary accounts. AccessMore app offers instant loans approved in 5 minutes.

ABOUT Access Bank
Bank profile · verified

Access Bank is a Commercial bank (CBN-licensed, NDIC-insured) founded in 1989 (37 years ago), operated by Access Holdings. As of 2026 it serves approximately 60M+ customers through 670 branches nationwide.

Founded
1989 · 37 years serving Nigerians
Parent company
Access Holdings
Customer base
60M+
Branches nationwide
670
Bank type
Commercial bank (CBN-licensed, NDIC-insured)
Website
accessbankplc.com
HEAD OFFICE
Access Bank headquarters
Address
999c Danmole Street, Victoria Island, Lagos, Lagos
View on OpenStreetMap →Get directions →
CHARGES
CBN-regulated · effective May 2026
Transfer <₦5,000
FREE
Transfer ₦5,000–₦50,000
₦10
Transfer >₦50,000
₦50
SMS alert
₦5 / SMS
Email alert
FREE
ATM card issuance
₦1,500
ATM card maintenance· scrapped May 2026
FREE
Virtual card
FREE
Current acct maintenance· ₦0 from 2027
₦0.5/₦1,000
Hardware token
₦2,500
Min opening balance
₦0
NDIC coverage
₦5M NDIC coverage
TRUE ANNUAL COST
at typical usage

If you make 20 transfers, 4 other-bank ATM visits, and 30 SMS alerts per month:

Access₦4,200/year

₦1,800 more than Kuda (₦2,400/yr). That's 0 bags of rice.

Compare with all 23 banks →
HOW TO OPEN AN ACCOUNT

Time to open: 15 minutes · Online via app

UNIQUE FEATURES
AccessMore App

Consolidated app after Diamond Bank merger. Runs one of the higher transaction volumes in Nigerian retail banking.

PayDay Loan

Instant salary-advance loan up to 50% of monthly salary. Repaid on next payday.

DiamondXtra

Legacy Diamond Bank promo scheme — savers with minimum balances qualify for cash-prize draws four times a year.

Pan-African footprint

Access has operations across 15+ African countries plus the UK — useful for cross-border business banking.

LAGOS BRANCHES · SORT CODES
4 branches
BranchAreaSort code
Access Bank Ikeja
Oba Akran Ave, Ikeja
Ikeja044-150221
Access Bank Marina
999C Danmole St, Marina
Lagos Island044-150038
Access Bank Lekki
Admiralty Way, Lekki Phase 1
Lekki044-150337
Access Bank Victoria Island
Plot 1665 Oyin Jolayemi St
Victoria Island044-150139
APP RATINGS & CONTACT
iOS rating
4.4 / 5
Android rating
4.2 / 5
Lagos branches
100
Lagos ATMs
320
accessbankplc.com →
FREQUENTLY ASKED QUESTIONS
Answers about Access Bank
What is Access Bank's USSD code?
Access Bank's USSD banking code is *901#. Dial it from any phone linked to your account to transfer money, check your balance, buy airtime, or pay bills — no data or app needed.
What is Access Bank's SWIFT / BIC code?
Access Bank's SWIFT/BIC code is ABNGNGLA. Use this code when receiving international wire transfers into your Access Bank account.
What are Access Bank's transfer charges?
bankingDetail.faqTransferA
What is Access Bank's savings account interest rate?
Access Bank pays 1.5%–3.5% per year on savings account balances (as of 2026). Actual rate depends on balance tier and account type.
What is Access Bank's fixed deposit rate?
Access Bank offers 13%–20% on fixed deposits, depending on tenor (30, 60, 90, 180 or 365 days). Higher amounts and longer tenors earn the better rates.
Where is Access Bank's head office located?
Access Bank's headquarters is at 999c Danmole Street, Victoria Island, Lagos, Lagos, Nigeria.
Is Access Bank NDIC-insured?
Yes. Deposits at Access Bank are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.
How can I contact Access Bank customer service?
Website: accessbankplc.com. Phone: —. Head office visits: Victoria Island, Lagos.
COMPARE WITH OTHERS
FeatureAccessKudaUBA
SMS fee₦5FREE₦5
Transfer ₦5K-₦50K₦10₦10₦10
Savings rate3.5%12%3.5%
NDIC₦5M₦2M₦5M
App rating (iOS)4.4/54.5/54.3/5
Yearly cost₦4,200₦2,400₦4,200
RELATED
SWIFT CODE
ABNGNGLA

For international transfers — see which remittance platform delivers the most naira.

SAVINGS vs STOCKS
3.5% vs NGX +55% YTD

Where does your ₦1M grow faster — savings or NGX stocks?

IN RICE BAGS
₦4,200 = 0.1 bags of rice

Annual banking charges in Lagos market terms.

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