Access Bank Dual Transaction Service (DTS)

Dual Transaction Service (DTS) is a virtual naira credit card service tailored for pre-approved Access Bank customers. It allows them to access a credit line directly through their existing Access Bank debit cards, without the need for any paperwork.

DTS offers a seamless, instant, and convenient experience for both activation and usage of the DTS credit card, enabling customers to meet their financial needs effortlessly.

All you need to do after activation is choose credit as account type on any POS or ATM terminal during any transaction to access the credit account on their existing debit account.

How to Activate the Dual Transaction Service

PROCESS FLOW - USSD

  • Dial the code - *901*14#
  • Input ‘1’ to agree to the ‘terms and conditions’
  • Click ‘send’
  • Account gets activated within 48hours
  • You can now access their credit limits on the ATM/POS by selecting ‘Credit’


PROCESS FLOW - Access More App

  • Log in to AccessMore App and go to “Cheques & Cards”.
  • Then select “DTS” – ‘The DUO platform opens’
  • Agree to the ‘terms and conditions’ and click ‘Next’
  • Create a 4-digit PIN
  • Account gets activated within 48hours
  • You can now access their credit limits on the ATM/POS by selecting ‘Credit’.

Eligibility Criteria

Dual Transaction Service (DTS)

  • Salary account with the bank.
  • At least 6 months of banking relationship (with monthly turnover)
  • Minimum salary of 20,000 credit checks.
  • Good credit checks.

Features & Benefits

  • Instant access to credit line to meet urgent financial needs or emergencies
  • Up to 45-day interest free period for payments on POS 
  • 10% minimum repayment
  • 3-year validity period on Card
  • Easy activation
  • No need to fill Credit Card application form
  • No branch visitation visitation required for picking up your Credit Card instead an instant and one time Activation can be done by dialling *901*14#.

Frequently Asked Questions

No the DTS will act as a regular Naira Credit card. All fees, charges, features and benefits will remain the same. 
No the only action required by the Customers is to dial *901*14# from their registered number with Access Bank. 
Customers whose salary accounts are domiciled in Access Bank.
A minimum payment of at least 10% of your outstanding balance must be made on or before the 15th of each month by transfer into your credit account communicated to you.

Three times the verified salary of the customer.
Step-by-step:
  • Insert any of your Debit Cards linked to your Access Bank account on the ATM/POS.
  • Select “CREDIT” as account type
  • Enter your Debit Card PIN
The currency of the DTS credit card would be in Naira. 
Yes, there is.
ATM – Maximum 4 times daily
POS – maximum 10 times daily
Minimum salary is N20, 000 per month.
You are expected to repay at least 10% of the outstanding funds on or before 15th of every month. For example, if the amount owed on your credit account is NGN10,000, you are expected to payback at least NGN1,000 on or before 15th of the next month.
Choose credit as account type on any POS/ATM in Nigeria.
Make payment into your advised credit card account:
  • A dedicated Credit Card Account number will be sent to you upon activation.
    Note: this account is only repayment and none transactional.

More Information

For further assistance please call us on 0201-2712005-7 ,0201-2273000-9 or send an email to contatctcenter@accessbankplc.com

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