How to Open an Access Bank Account

Opening a bank account can feel overwhelming if you don’t know the process. However, with the right guidelines, opening an Access Bank account becomes simple and stress-free. Access Bank offers multiple account types tailored to individual, business, and corporate needs, giving customers easy access to financial services both online and offline.

This guide provides a step-by-step process to help you open an Access Bank account successfully, whether through a branch, online, or using the USSD code.

Why Choose Access Bank?

Access Bank is one of Nigeria’s largest commercial banks, offering reliable banking services across the country and beyond. With an Access Bank account, you enjoy:

• Mobile and internet banking

• USSD banking (*901#) for quick transactions

• Debit and credit card options

• Access to loans, overdrafts, and investment opportunities

• A wide branch and ATM network across Nigeria

Types of Access Bank Accounts

Access Bank provides different account options to suit diverse customer needs. Some of the most popular include:

• Black Card Account

• Business Advantage Account

• Corporate Account

• DBA Account

• Domiciliary Account (foreign currency account)

• Evergreen Account

• Everyday Banking Account

• Exclusive Private Banker Account

• Home Invest Account

• Money Transfer Account

• Solo Account

Each account type has specific features, so it’s important to choose one that aligns with your financial goals.

Benefits of Opening an Access Bank Account

Opening an Access Bank account comes with several advantages:

• No opening balance required

• No minimum balance requirements

• No account maintenance fees

• Access to chequebooks and debit cards

• Availability of naira credit cards

• Online, mobile, and telephone banking

• Authorization for direct debit instructions

• Third-party transactions allowed

• Access to personal loans, mortgages, and school fee advances

Documents Required to Open an Access Bank Account

To avoid delays, prepare the following documents before starting your application:

• Completed account opening form

• One passport photograph

• Valid means of identification (National ID, International Passport, Driver’s License, or Voter’s Card)

• Bank Verification Number (BVN)

• Proof of residence (such as a utility bill)

Note: Requirements may vary depending on the account type.

Step-by-Step Guide to Opening an Access Bank Account

Step 1: Choose the Right Account Type

Review the different account options and select the one that best suits your personal or business needs.

Step 2: Gather the Required Documents

Ensure you have your passport photo, BVN, valid ID, and utility bill ready.

Step 3: Visit a Branch or Apply Online

You can open an account by visiting the nearest Access Bank branch or by applying online via the Access Bank website or mobile app.

Step 4: Fill Out the Account Opening Form

Provide accurate details when filling out your form to avoid issues later.

Step 5: Activate Your Account

Fund your new account with an initial deposit (if required) to start using it immediately.

How to Open an Access Bank Account with Your Phone (USSD Code)

Access Bank makes banking easy through its USSD service. To open an account using your phone:

1. Dial *901*0# on your registered SIM.

2. Follow the on-screen prompts.

3. Open an account using your BVN or by providing your personal details.

4. You’ll receive an SMS with your new account number.

This method does not require internet access.

How to Open an Access Bank Account Online

You can also open an account digitally without visiting a branch. Requirements include:

• Access Bank mobile app or website

• Valid email address

• Mobile phone number

• Residential address

• Next of kin details

• Active internet connection and a smartphone

After completing the online form, you’ll receive your account details electronically.

FAQs

What is the USSD code for opening an Access Bank account?
The official USSD code is *901*0#.

Can I open an account without visiting a branch?
Yes. You can open an account online via the Access Bank website or mobile app.

What do I need to open an account online?
A valid email, phone number, BVN, proof of address, and next of kin information.

Can I open a domiciliary account online?
You’ll need to visit a branch for a domiciliary account since it requires extra documentation.

Conclusion

Opening an Access Bank account is simple when you understand the requirements and steps involved. Whether through the USSD code, online application, or in-branch process, Access Bank makes banking accessible, secure, and flexible. With added benefits like loans, credit cards, and multiple banking channels, you can enjoy a seamless financial experience from anywhere in Nigeria.