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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

No charge + 5-minute loan approval. Best for salary account if you no like charge.

Biggest bank for Africa if you count customer (60M+). No maintenance fee, no SMS fee for salary account. AccessMore app give instant loan.

ABOUT Access Bank

Bank profile · we don verify am

Access Bank na Commercial bank (CBN license, NDIC dey insure am) wey dem start for 1989 (37 years ago), and na Access Holdings dey operate am. For 2026 e dey serve about 60M+ customers through 670 branch nationwide.

Dem start am: 1989 · 37 years dey serve Nigerians
Owner company: Access Holdings
Customer base: 60M+
Branch for Nigeria: 670
Bank type: Commercial bank (CBN license, NDIC dey insure am)
Website: accessbankplc.com

HEAD OFFICE

Access Bank headquarters

Address: 999c Danmole Street, Victoria Island, Lagos, Lagos

See am for OpenStreetMap →Get direction →

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 YEARLY COST

at typical use

If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:

Access₦4,200/year

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

Compare with all 23 bank →

HOW TO OPEN ACCOUNT

Time to open: 15 minute · Online through app

Bank Verification Number (BVN)
Compulsory for all Nigerian bank account. Get one for any bank branch free.
Valid ID
National ID (NIN), International Passport, Voter Card, or Driver Licence.
Passport photograph
Recent passport-size photo. The mobile app fit accept live selfie instead.
Utility bill
Address verification. Electricity bill, water bill, or tenancy agreement (last 3 months).
Minimum opening balance
₦0 for savings account. ₦5,000-₦10,000 for current account.

UNIQUE FEATURES

AccessMore App

Consolidated app after Diamond Bank merger. E dey run high transaction volume for Nigerian retail banking.

PayDay Loan

Instant salary-advance loan reach 50% of monthly salary. You go pay back next payday.

DiamondXtra

Legacy Diamond Bank promo — savers with minimum balance dey qualify for cash-prize draw four times every year.

Pan-African footprint

Access dey operate across 15+ African country plus UK — useful for cross-border business banking.

LAGOS BRANCHES · SORT CODES

4 branches

Branch	Area	Sort code
Access Bank Ikeja Oba Akran Ave, Ikeja	Ikeja	044-150221
Access Bank Marina 999C Danmole St, Marina	Lagos Island	044-150038
Access Bank Lekki Admiralty Way, Lekki Phase 1	Lekki	044-150337
Access Bank Victoria Island Plot 1665 Oyin Jolayemi St	Victoria Island	044-150139

APP RATINGS & CONTACT

iOS rating

4.4 / 5

Android rating

4.2 / 5

Lagos branches

100

Lagos ATMs

320

accessbankplc.com →

QUESTIONS PEOPLE DEY ASK PASS

Answer about Access Bank

Wetin be Access Bank USSD code?

Access Bank USSD banking code na *901#. Dial am from any phone wey link with your account to transfer money, check balance, buy airtime, or pay bills — no data or app need.

Wetin be Access Bank SWIFT / BIC code?

Access Bank SWIFT/BIC code na ABNGNGLA. Use am when you dey collect international wire transfer to your Access Bank account.

Wetin be Access Bank transfer charges?

bankingDetail.faqTransferA

Wetin be Access Bank savings account interest rate?

Access Bank dey pay 1.5%–3.5% per year on savings account balance (as of 2026). Real rate depend on balance tier and account type.

Wetin be Access Bank fixed deposit rate?

Access Bank dey offer 13%–20% on fixed deposit, e depend on tenor (30, 60, 90, 180 or 365 days). Higher amount and longer tenor go earn better rate.

Where Access Bank head office dey?

Access Bank headquarters dey at 999c Danmole Street, Victoria Island, Lagos, Lagos, Nigeria.

NDIC dey insure Access Bank?

Yes. Deposit for Access Bank dey insured by Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.

How I fit contact Access Bank customer service?

Website: accessbankplc.com. Phone: —. Head office visit: Victoria Island, Lagos.

COMPARE WITH OTHERS

Feature	Access	Kuda	UBA
SMS fee	₦5	FREE	₦5
Transfer ₦5K-₦50K	₦10	₦10	₦10
Savings rate	3.5%	12%	3.5%
NDIC	₦5M	₦2M	₦5M
App rating	4.4/5	4.5/5	4.3/5
Yearly cost	₦4,200	₦2,400	₦4,200

SWIFT CODE

ABNGNGLA

For international transfer — see which remittance platform dey give the most naira.

SAVINGS vs STOCKS

3.5% vs NGX +55% YTD

Where ₦1M dey grow faster — savings or NGX stock?

IN RICE BAGS

₦4,200 = 0.1 bags rice

Yearly banking charge for Lagos market term.

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