Access Bank ussd code: How to register, transfer money, buy Airtime and withdrawal without ATM CARD “Cardless Withdrawal”

Last Updated on October 18, 2023 by admin

Do you want to learn how to register, transfer money, buy Airtime and withdraw money from an ATM Machine without an ATM without a debit card? If yes this article will explain how to perform the seamless service without visiting the banking premises.

With Access bank USSD code, account holder can now Initiate an account opening,Transfer up to GH1,000, N20,000 daily,Check account balance, check Mini statement and Bills payment (DSTV, GOTV, Surfline etc.)from their comfort zone without visiting the banking hall, all the need do is to dial the ultimate code to get start.

Access bank USSD is a Global System communication technology used by Banks to enable customers who mainly do not have internet access on their phone to perform banking activities irrespective of their mobile network.

The *901# is available to all individual account holders (sole signatory) whose phone numbers are registered with any of the mobile network operators . The service is safe, convenient, and a secure platform for transacting. You will need to input your PIN to authenticate every transaction as a personal security measure.
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Also read: How to check Access Bank Account Balance and Transfer Money 

The service can be use for more than one account as long as the phone number is maintained with the Bank. Also the service can be use in overseas if you have an active roaming service.

This service can be use in Nigeria, D.R Congo · Gambia · Ghana · Kenya · Mozambique · Rwanda · Sierra Leone and Zambia


How can I enrol for access bank USSD code *901#?

To enrol on Access bank *901#, simply follow the steps below:

1. Dial *901# with your registered phone number
2. Click on ‘Transfer’
3. Enter the last 6 digits of your Debit Card number (You will be prompted to input your 4. Date of Birth if you do not have an active debit card).
5. Enter your account number
6. Create a 4-digit PIN


What if I forget my PIN?

Should case you forget your pin simply Dial *901*0# to reset pin.


What can you do with Access bank USSD mobile banking?

Access bank in Ghana ussd code can perform the following service as adumbrated below.

1. Initiate an account opening
2. Transfer up to GH1,000 daily
3. Transfer from Mobile Money wallet to Bank Account
4. Transfer from Bank account wallet to Mobile Money
5. Check account balance
6. Mini statement
7. Bills payment (DSTV, GOTV, Surfline etc.)
8. Airtime top up (self & third party)
9. Transfer of funds between Access accounts
10.Third party transfers to Other Banks
11.Merchant payment
12. Rates
13. Change PIN
14. M-Investment

To perform any other above transaction simply dial *901# and follow the on screen message for your transaction from your comfort zone.

You may also like to read: How to Buy Airtime/recharge card with Acess Bank USSD Code

How to withdraw money from ATM’S without your debit card. {Cardless Withdrawal}

The service enables users and non-users of MTN and AIRTEL mobile money to withdraw cash from any Access Bank without using an ATM card. You need to generate token code for enable perform this transaction.



1. Enter the USSD Short Code *511# to get the menu
2. Select option1:Generate token
3. Enter 4 Digit Secret Code(e.g. 1425)
4. Enter an Amount (between GHS 10 to 400)
5. An authorization code will be sent to your phone , please confirm by typing *170# and 6. select YES
7. Enter MM PIN (i.e. mobile money PIN)
7. Customer gets the Token Number via text


1. Enter the USSD Short Code *500# to get the menu
2. Select option 5: Withdraw money
3. Select option 2: from ATM
4. Enter amount to cash (between GHS 10 to 400) and send
5. Enter PIN to confirm
6. Enter the reference number (narration)
7. The One Time withdrawal code displays (6 digits) on customer’s phone

Read: Access bank customer care number: Email, live chat and Head Office address

How to withdraw fund at the ATM with your one time withdrawal code?

1. Locate any access bank ATM that is cardless enable
2. At the ATM enter the token sent via SMS to access your funds.


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