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Frequently Asked Questions - Access Online

Frequently Asked Questions : Access Online

There are no enrolment fees nor monthly or any other periodic charges; however there are transaction charges.
Yes
On your browser, type www.accessbankplc.com. This will take you to our website. Click on Internet Banking (Individual), by the top-right corner of the page and proceed with the steps below:
  • Please enter your valid Current/Saving Account number& submit
  • You will get authentication to your mail id and to your mobile phone via SMS
  • You will be asked to enter the Activation Code & submit
  • Once valid activation code has been entered you will be taken to the next screen
    where you can choose your ID, Password, Secure Image.
  • Accept the Terms & Conditions and submit.
  • Now you are ready to Log on to Access Online Banking
Product Transaction Type Transaction Fee
Access Online Intra Bank Transfer No charge
Inter Bank Transfer  
Less than N500,000 100
Between N500,000 and N1M 200
Between N1M and N10M 600
Above N10M 1000
Bill Payments 100
Air-Time Recharge No charge
Kindly visit any of our Access Bank branches closest to you for a Hard /Soft Token to be issued at the cost of NGN 1,500.
The Diaspora Banking Account is a platform that allows Nigerians living and working outside the country to maintain transactional accounts and perform domestic and foreign transfers through their accounts with Access bank.
All Nigerians living legitimately in the Diaspora are eligible to open the account.
The following documents are required to open an Diaspora Banking  account:
  • Proof of Identity: A notarized/sighted copy of any one (1) of the following Identification:A valid Nigerian passport
    • A valid International/foreign passport – supported by proof of Nigerian origin (Birth certificate, expired/valid Nigerian passport or driver’s license, etc)
    • A valid Nigerian driver’s license
  • Passport Photographs:
    • Current Accounts – 2 copies
    • Savings Accounts – 1 copy
  • Proof of Residential Address: A notarized/sighted copy of any one (1) of the following:
    • Duly filled Banker's Confirmation
    • Copy of utility bill issued within the last three months showing the same address as supplied.
    • Bank/Credit statement issued within the last three months showing customer address
  • References: Two acceptable references using either of the following options:
  • Option 1:
    • An independent reference letter obtained from current bankers (foreign) and
    • A signed reference form by an Attestor of Nigerian origin who maintains a current account with a Nigerian Bank.
  • Option 2:
    • Two signed reference forms by Attestors of Nigerian origin who maintain a current account with a Nigerian Bank.
    • Indemnity: Duly executed indemnity form  (for Email, Fax and Scanned Copy)
  • For Joint accounts: A notarized copy of marriage certificate is also required along with all other necessary documents as stated above.

All identification documents, Bank or Credit Card statement issued within the last three-months, and utility bills (if foreign) must be notarized by a notary public.
The below stated electronic channels are available to the Diaspora Account customer:
  • Card services:
    • Visa Card (USD denominated)
    • With the Access Bank Visa card the Diaspora Account customer enjoys:
    • Accessibility – The customer enjoys 24 hours 7days access to funds from over from about 2.2 million ATMs worldwide
    • Global acceptance - Can be used to pay for goods and services in about 35 million locations worldwide (hotels, supermarkets, petrol stations, etc) in 210 countries and across other channels such as the Internet
    • Safety – the card  uses  Chip & PIN technology to safeguard against unauthorized transactions
  • Internet Banking:
The Diaspora customer with an internet banking password can do the following via the Access Bank Internet Banking platfom
  • View real time account balances and track up-to-the minute transactions on their accounts
    • Set up a standing order instruction to transfer funds to other accounts within Access Bank and other Banks in Nigeria (Direct debit).
    • Transfer funds to beneficiaries with Access Bank accounts or accounts in other banks via NEFT
    • Confirm cheques online and such confirmations are automatically registered on the Banking Application
    • Request for cheque books
    • Print Statement of account in PDF format or export to MS Excel format
    • PIN change: Users can change their login PIN (password) at any time
Yes they still have to get the documents notarized
Yes, they can
No, the Diaspora Banking service is offered only to individuals and not to businesses. However, the customer will be referred to the Business Banking Team.
A Diaspora Banking customer can access the following products and services:
  • Diaspora Savings Account (Naira)
  • Diaspora Current Account (Naira)
  • Diaspora Domiciliary Account (Pounds, Euros, Dollars Yen)
Diaspora banking account opening documentation should be submitted through the following means:
  • Scanned copies to be sent via email to  sandip@accessbankplc.com and
  • Original copies to be sent to Diaspora Banking Team, 1665, Oyin Jolayemi Street, Access Bank plc Victoria Island, Lagos, Nigeria.
Yes, using our electronic banking platform: Internet banking with the aid of the secure Token device, the Diaspora Banking customer can transfer money to:
  • Beneficiaries who have Access Bank accounts
  • Beneficiaries who have accounts with other Banks.
Yes, local and foreign cheques and dividend warrants can be lodged into the customer’s Diaspora Current and Diaspora Domiciliary account through any of the Bank’s branches in Nigeria.
Yes, a Diaspora Banking customer can transfer a fixed amount of money regularly to beneficiaries in Nigeria by setting up a standing order instruction (Direct debit) on Internet banking to the following:
  • Beneficiaries with Access Bank account
  • Beneficiaries with accounts in other banks in Nigeria
All Nigerians who reside outside the country for more than 180 days in a years
There are no monthly maintenance charges on the Diaspora Banking Accounts
The minimum opening balance for the products are:
  • Diaspora Savings: N1,500
  • Diaspora Currency Account: 10,000
  • Diaspora Domiciliary Account: 100, $100 & Euro 100
The minimum daily balance is zero

No. This is not necessary.

The diaspora banking team does not open accounts. Their responsibility is to co-ordinate this function.  CDMS will now be responsible for opening all Diaspora accounts
No. We do not want to limit our customers to certain individuals. Every registered notary public is part of an association and this can easily be confirmed from their website.
A soft token can be downloaded by the customer.
The customer makes this payment
This is verified by the product Mgr. at the head office. This can also be confirmed by looking up the notary public's name on their website
No. Only married customers can open a diaspora account
Finance and Logistics Worldwide Scheme – A unique combination of import finance and logistics services targeted at importers of non perishable, fast moving and unrestricted goods.
It is an “end to end” cost efficient management of entire import process that reduces total lead time.
Importers of Fast moving, Non perishable and unrestricted goods.
Anywhere in the world.
Cost effective transaction, reduced total transaction cycle time, management of the documentation system to ensure error free, validation of necessary permits, tracking system, Allow the customer time to focus on daily business demands etc. 
Customer summits PFI and Application letter, Access reverts with cost of logistics and estimate of duty amount, customer accepts via Letter of Approval, bank effects the transaction on FLOWS and goods are delivered to customer in line with the agreement. 
 Proforma Invoice, application letter and Letter of approval (upon advise of the quotation). 
Fast Moving, Non perishable and unrestricted goods that can access USD via the official channel. 
Yes. A tracker which the customers can log in will be provided such that the customers can see the stages of each transaction. 

Yes. Customers can access credit lines subject approval by the bank. 

Yes, choose the ‘block all accounts’ option on the menu to block all accounts linked to your registered mobile number.
To block an account, the account holder must confirm the request using their USSD PIN, which means no one can initiate a block account request on behalf of a third party just by knowing their phone number or account number.
 
Your USSD PIN is required before any block account request is validated. If you have not previously registered on *901#, you will be required to do so and create a 4-digit USSD PIN.
 
Follow these easy steps to register and create a PIN,
  • Dial *901#
  • Select any service, for instance, transfer
  • Enter Account number
  • Enter Date of Birth in the format shown (DDMMYYYY)
  • Create PIN, then submit OR
  • Dial *901*0#
  • Enter Date of Birth in the format shown (DDMMYYYY)
  • Create PIN, then submit
Your friends and family who are access Bank account holders can use the third party option to block their accounts on your device. However, they must complete the process themselves without disclosing their USSD PIN to anyone.
 

No, a valid USSD PIN Reset is from the mobile number linked to your account(s) only.

Yes, you can. Follow the steps below:
  • Dial *901*911#
  • Select Option 2 (Block Account)
  • Select ‘Third party’
  • Enter the phone number linked to your account(s)
  • Select the account you want to block (you can select either one of your accounts or all of them)
  • Enter your USSD PIN 
A successful request notification will display on the phone screen once you complete this transaction.
No, this service can be used on any phone type, either a smartphone or a feature phone.
No, all Access Bank customers that have enrolled on our USSD Service (*901#) and created a 4- digit PIN can use this service.
  • You can unblock your accounts by doing any of the following:
  • Send a duly signed instruction via email to contactcenter@accessbankplc.com
  • Call our 24-hour contact centre on 07003000000 or visit a branch.
  • Click HERE to use the self-service customer support option on our website
  • Visit a branch close to you for further assistance.
If you lose your phone, you can use the third party option on any phone to block your account instantly.
  • Follow these easy steps to reset your PIN:
  • Dial *901#
  • Select 4 ‘Other Services’
  • Select 5 ‘Reset PIN’
  • Enter Date of Birth in the format shown (DDMMYYYY)
  • Create New PIN and Submit OR
  • Dial *901*0#
  • Enter Date of Birth in the format shown (DDMMYYYY)
  • Create New PIN and submit 
Or If you lose your phone or suspect fraudulent activities in your account and cannot remember your PIN, quickly call 07003000000 from any phone number to block your account.
If you have the same mobile number maintained on different accounts, kindly request a profile merge at any of our branches or send a written instruction via email to contactcenter@accessbankplc.com to resolve this.
When you select Opt-out, you will be disabled from USSD Banking Service only, which means you will have access to your accounts via our other platforms and channels except for *901#.
 
Block Account restricts access to the account(s) selected such that accessing the account(s) via any channel or platform is impossible until the account is unlocked.
Dial *901*911# on any phone and follow these easy steps:
  • Dial *901*911#
  • Select Option 2 (Block Account)
  • Select 'Self' or ‘Third party’ for others
  • Enter the phone number linked to the account (s)
  • Select the Account you want to block (you can select either one of your accounts or all of them)
  • Enter your USSD PIN 
Or dial *901# and select Other Services:
  • Select Option 9 (Opt Out)
  • Select Block Account
  • Select 'Self' or ‘Third party’ for others
  • Enter the phone number linked to the account (s)
  • Select the Account you want to block (you can select either one of your accounts or all of them)
  • Enter your USSD PIN 
A successful request notification will display on your phone screen once you complete this correctly, and your account(s) would be instantly blocked.
No, this is a free service offered by Access Bank. However, the ₦6.98 USSD telco charge for all transactions done on USSD Banking (excluding airtime and data purchase) applies.
The minimum daily balance is zero
The following documents are required to open an Corporate account:
  • Documentary evidence of address
  • 2 references
  • 2 Passport photograph
  • Valid ID of each signatory
  • Residence Permit (Foreigners)
  • Forms CO7 and CO2
  • Certificate of Incorporation / Business Registration
  • Memorandum and Article of Association
  • Board resolution
  • Search report
The minimum opening balance for the account is N50, 000.
There is a N1/mille monthly maintenance charge on the Corporate Account.
This is a typical business account. It can be opened for any registered business.
Business Owners, Small and Medium scale enterprises, Sole traders, Professional firms, Joint Ventures, NGOs, Schools, Churches
Individuals of all classes and Corporates
Yes, a Domiciliary customer can transfer a fixed amount of money regularly to beneficiaries in Nigeria by setting up a standing order instruction (Direct debit) on Internet banking to the following:
  • Beneficiaries with Access Bank account
  • Beneficiaries with accounts in other banks in Nigeria
The minimum opening balance for the account is $100, $100 and $100.
The minimum daily balance is zero
There is a 0.5% cash handling charge on withdrawals.

The following documents are required to open an Domiciliary account:
  • Means of address verification
  • 2 references
  • 2 Passport photographs
  • Valid ID of each signatory
  • Residence Permit (Foreigners)
  • Forms CO7 and CO2 as applicable for companies
  • Certificate of Incorporation / Business Registration for companies
  • Memorandum and Article of Association as applicable for companies
  • Board resolution as applicable
  • Search report as applicable
Yes, they can.
Domiciliary account opening documentation should be submitted through the following means:
  • Prospective customers can visit any Access Bank Branch to submit the account opening packages
  • Scanned copies to be sent via email to sandip@accessbankplc.com
Yes, using our electronic banking platform: Internet banking with the aid of the secure Token device, the Domiciliary Account customer can transfer money to:
  • Beneficiaries who have Access Bank accounts.
  • Beneficiaries who have accounts with other Banks.
Yes, local cheques and dividend warrants can be lodged into the customer's Domiciliary account through any of the Bank's branches in Nigeria.
This is a foreign currency current account i.e. Pounds, Euros, Dollars, Yen, etc.
All Seniors age 60 and above living legitimately in Nigeria are eligible to open the account.

All Nigerians residing legitimately who are 60 years and above

There are no monthly maintenance charges on the Evergreen Accounts
The minimum opening balance for the account is Zero
The minimum daily balance is zero
The following documents are required to open an Evergreen  account:
  • Duly Completed account opening form
  • One (1) passport photograph of the account holder
  • Valid means of identification
  • One (1) reference form
  • Documentary evidence of address
  • Residence permits (where applicable)
The below stated electronic channels are available to the Evergreen Account customer:

Card services:

  • Visa Card and Master Card
  • With the Access Bank Visa card the Evergreen Account customer enjoys:
  • Accessibility – The customer enjoys 24 hours 7days access to funds from over from about 2.2 million ATMs worldwide
  • Global acceptance - Can be used to pay for goods and services in about 35 million locations worldwide (hotels, supermarkets, petrol stations, etc) in 210 countries and across other channels such as the Internet
  • Safety – the card  uses  Chip & PIN technology to safeguard against unauthorized transactions

Internet Banking:

The Evergreen customer with an Internet Banking password can do the following via the Access Bank Internet Banking platform
  • View real time account balances and track up-to-the minute transactions on their accounts
  • Set up a standing order instruction to transfer funds to other accounts within Access Bank and other Banks in Nigeria (Direct debit).
  • Transfer funds to beneficiaries with Access Bank accounts or accounts in other banks via NEFT
  • Confirm cheques online and such confirmations are automatically registered on the Banking Application
  • Request for cheque books
  • Print Statement of account in PDF format or export to MS Excel format
  • PIN change: Users can change their login PIN (password) at any time
Yes, they can

No, the Evergreen Account is offered only to individuals and not to businesses. However, the customer will be referred to the Business Banking Team.

Evergreen account opening documentation should be submitted through the following means:

  • Prospective customers can visit any Access Bank Branch to submit the account opening packages
  • Scanned copies to be sent via email to  sandip@accessbankplc.com

Yes, using our electronic banking platform: Internet banking with the aid of the secure Token device, the Evergreen Account customer can transfer money to:

  • Beneficiaries who have Access Bank accounts
  • Beneficiaries who have accounts with other Banks.
Yes, local cheques and dividend warrants can be lodged into the customer’s Evergreen account through any of the Bank’s branches in Nigeria.
Yes, an Evergreen  customer can transfer a fixed amount of money regularly to beneficiaries in Nigeria by setting up a standing order instruction (Direct debit) on Internet banking to the following:
  • Beneficiaries with Access Bank account
  • Beneficiaries with accounts in other banks in Nigeria
A current account designed for ONLY employees in corporate Nigeria i.e. salary earners.
No specific amount. Depending on salary amount.
Not Available
Employees in corporate organizations.
What is required is simple. They are:
  • Letter of Introduction from the Employer.
  • Copy of Staff ID (where the prospecting employee does not have a means of ID card, an additional Passport photograph affix on the Letter of Introduction will suffice as temporary ID card).
  • One (1) Passport photograph.
  • A Residence Permit (for foreigners).
Zero
The Debit card issuance charge on the account is N1,000 and the annual card maintenance fee of N100.
Yes. There may be monthly salary processing fee of N100 which depends on terms agreed with your employer, the charge may be borne by either your employer or the employee.

With the Everyday Banking, you stand the opportunity of enjoying:

  • Personal loans
  • Automatic Payday Advance
  • School Fees Advance
  • Vehicle Finance
  • Mortgage
The details of the Personal loans include:
  • Loan amount of up to 75% of annual salary
  • Competitive Interest rates
  • Up to 36 months tenor
  • The details of the Automatic Payday Advance include:
  • Up to 50% of net monthly salary
  • Repayment is within 31 days or next payday
  • Re-borrowing upon maturity
  • Competitive Interest rates
  • Available on Access Mobile Money
The details of the School Fees Advance include:
  • Provides short term financial support for customers to pay school fees for their children/wards within and outside Nigeria
  • Between N250,000 & N5million (Local school fees payment)
  • Between USD10,000 & USD100,000 (Foreign school sees payment)
  • 4-months tenor (renewable per session)
The details of the Vehicle Finance include:
  • Minimum of 10% Equity contribution and maximum of 48 months tenor
  • Accessible in 72hrs with competitive pricing
  • Online application and free car licensing and registration
  • 12 month minimum warranty on all cars
  • Wide variety of accredited vendors to choose from
  • The details of the Mortgage finance include:
  • Up to N200M loan amount and minimum of 30% equity.
  • Competitive pricing
  • Up to fifteen (15) years tenor
  • Preference to be given properties situated in Lagos, PH and Abuja
You do not require any form of collateral. As long as you are a bonafide employee of your organization and your monthly salary justifies your requests, you can enjoy any of the offerings of the Everyday Banking account.
Visit any Access Bank Branch nearest to you and follow the steps below:
  • Request you would like to meet the Personal Banking Officer.
  • Open an Everyday Banking account.
  • Advise your HR/Employer of your new salary account and get them to give you an introduction stating your request that going forward, your salary should be paid through Access Bank.
  • Once your 1st salary has been paid through Access Bank, you can make your request for any of the loan options.
  • The Personal Banking Officer will communicate all the terms and conditions precedent.
These include:
  • Efficient salary administration
  • Increased productivity & profitability
  • Reduced staff turnover

These include:

  • Psychological stability.
  • Empowered to resolve financial needs immediately.
This is a cost effective transactional account for price sensitive customers.
This account is targeted at the Upper LIPs and the Middle income Persons, Sole Proprietorship, Partnerships, Associations, Clubs, Churches, Schools, NGOs, Unincorporated societies/ enterprises
N5,000
Zero
Currently, there is no penalty for going below the minimum balance
Currently, there is no maximum turnover.
Yes and valid for clearing.
Yes
No maximum number of withdrawals.
No interest.
No, COT is not charged on Gold current
No interest
No maintenance fee.
Yes. Other Bank's Cheques, as well as dividend warrants are allowed to be lodged into the account.
N10, 000 only
There is no maximum turnover
Zero
  Charge Frequency
COT Free N/A
COT N1/mille Monthly
Yes. Account maintenance fee of N1/mille will apply.

There is no restriction on the number of withdrawals for this account.

A customized cheque book which is valid for clearing.
Yes, overdraft facility is available to customers that meet the bank’s Risk Assessment Criteria.
E-channels fee, SMS, and Account maintenance fee.
Yes
This is an account developed to suit the needs of individuals, Professionals etc.
MPower Biz account is a current account specially designed for businesses, Small and Medium enterprises, professional firms, joint ventures, NGOs, Churches, Schools. Businesses in this category must be registered.
Product Features Mpower Biz Classic MPower Biz Gold MPower Biz Platinum
Opening balance N20,000 N50,000 N250,000
Minimum daily balance N20,000 N50,000 N250,000
COT Zero (0) Zero (0) Zero (0)
Monthly maintenance charge N1,000 N5,000 N7,500
Sanctions for Default
  • Account maintenance fee of N1/mille if minimum daily balance is lower than N20, 000.
  • Account maintenance fee of N1/mille on the excess volume if the monthly turnover exceeds N10million.
  • Account maintenance fee of N1/mille if minimum daily balance is lower than N50, 000
  • Account maintenance fee of N1/mille on the excess volume if the monthly turnover exceeds N50million.
  • Account maintenance fee of N1/mille if minimum daily balance is lower than N250, 000
  • Account maintenance fee of N1/mille on the excess volume if the monthly turnover exceeds N100million.
Customers complete the corporate account opening form, and provide all the documents on account opening for the structure of the organization i.e. Sole Proprietorship, Limited Liability Company, etc.
Depending on the size of the customers' business, and the turnover expected on the product, one of the variants of MPower Biz account would be suggested/offered to the customer.
The turnover made by a customer from the business, would determine which variant would suit the customer's needs. However, the customer has the final decision to determine which variant would suit his/ her business.
Yes. the customer would not be charged as long as the minimum balance threshold is not defaulted.

Yes. For all accounts that have debit turnover in excess of the COT free turnover volume, account maintenance fee of N1/mille would apply on the amount above that stipulated turnover volume.
  • Scenario 1: A customer on the MPower Biz Classic platform, whose business does a monthly turnover volume of N12-million will be charged default account maintenance fee of N1/mille on the excess volume of N2million. The COT on the N10m will remain COT free.
  • Scenario 2: A customer on the MPower Biz Gold platform, whose business does a monthly turnover volume of N53million will be charged default account maintenance fee of N1/mille on the excess volume of N3million. The COT on the N50m will remain COT free.
  • Scenario 3: A customer on the MPower Biz Platinum platform, whose business does a monthly turnover volume of N138million will be charged default account maintenance fee of N1/mille only on the excess volume of N38million. The COT on the N100m will remain COT free.

Default account maintenance fee of N1/mille will be charged for all debit withdrawals on the account within the month in which the default occurred.

Yes

Product Interest Rate
Mpower Biz Classic 0.5%
Mpower Biz Gold 0.1%
Mpower Biz Platinum 0.1%

Yes. This can be done via a board resolution signed by all the signatories to the account.

With the customer's concurrence, the customer's MPower Biz gold account would be migrated to MPower Biz platinum and the customer will still retain his old account number.

Yes. Customers willing to possess more than one MPower Biz account can do so.

The Retail Operations Head will lift the �hold� on the minimum daily balance and will be required to explain to the customer, the implication of going below the minimum balance.
Currently, overdraft facility cannot be booked on the account. The customer may however open a corporate (current) account on which the facility can be booked.
No. Individuals can however operate the Access Premier account which has the same zero COT feature as MPower Biz account.
Individuals, Upper LIP, MIP, HIP
 
The current Account premier can be migrated to an individual current account, where he/she can have access to his/her funds.
Yes, the interest on the account is 0.1% per annum.
N100,000 only
N100,000 minimum daily balance
Yes. There is a N500 monthly maintenance charge on all Current account - Premier accounts.
The account is COT free, subject to minimum balance of N100,000 in the account. Should in case customer go bellows N100,000, account maintenance fee of N1/mille will be charged on debit transactions for the month.
Yes. The customer would not be charged COT as long as the minimum balance threshold is not defaulted.
Account maintenance fee of N1 per mille would apply on all the withdrawals carried out in that month.
There is no restriction on the number of withdrawals for this account.
Access Premier is an enhanced current account, with interest benefits, designed to suit the needs of individuals.
Yes, kindly visit any branch to open an account.
Yes
Kindly call the contact center to lock your profile.
 200,000 naira per transaction, 2million naira per day 
Reset it by clicking *forgot password* on the app 
No, you can download this app on any mobile device. You only need the number registered with the bank to receive authentication code. 
Access e-Pay is the AccessBank’s secure internet payment gateway that allows the acceptance of payments via your online shop (website) from your customers anytime, anywhere around the world. It is a doorway that delivers a single point of connection from your website to multiple payment processors (Interswitch, VISA & MasterCard) providing you with confirmation status with respect to the processed payment.

Business segments organizations will the desire to expand and provide a global reach for the business. Some of the categories include:


Fashion 

Life Style: Beauty, Health, Sports & Fitness

Books, Music & Movies

Religious Bodies

Travel Agencies & Airlines

Home and Interior Design

Gaming Sites

Mobile Recharge,  Internet Subscription

Shipping

Distributorships

Baby, Toys & Kids

Electronic Shops

Schools

Online Food Ordering services 

Online tutorials, education for training courses

Agencies for rates and fines – LASTMA, LAWMA

Recurrent billers such as Utility Bills  (waste mgmt., water, electricity) gymnasiums, child-care, reputable NGO &  charities, Cable subscription

Professional bodies & institutes associations , services

Online Market Place

 

  • Interswitch Verve cards
  • MasterCard (local & International)
  • Visa (local & international)
 
  • Merchant duly fills the application form and sent back  accompanied with either Tax document or Letter of Incorporation
  • API documentation will be sent to the customer's web developer as part of the integration process.
  • After the integration and successful testing of the payment process on the website, payments by merchant’s customer can begin.
  • Merchant is provided with a portal to view transactions as they occur online real-time.
Our team will contact the merchant and merchant’s developer. Depending on the ecommerce framework of the merchant website, either the plugin download link is provided or the Application Programming Interface (API) documentation required for the integration. 
  • We can recommend our partner developers on building a website to suit your business needs.
  • You can leverage on our reputable Online Market Place (ShopSmart.ng) where your goods & services can be hosted for customers to be directed.
  • You can register as a merchant on PayWithCapture to enable you issue e-invoices to your customers to make payments

The integration is at a zero cost while transaction fee is applicable dependent on the card type. Please find below our pricing

CARD

SETUP FEES

TRANSACTION FEE

FEE BEARER

Local Cards (MasterCard/Verve/VISA)

Free

1.5% of transaction amount (subject to a maximum of N2,000)

Merchant

International Cards (MasterCard/VISA)

3.0% of transaction amount

** Foreign Settlement (in Dollars) cycle is either  bi-weekly or monthly at a charge of  $50 per settlement cycle

This is borne by the merchant.
  • Seamless integration process
  • Accepts both local and international issued cards
  • Instant online payment process and timely settlement of proceeds
  • IP restriction functionality for blocking suspicious addresses
  • Supports 2nd Factor Authentication (2FA) –
    • Safetoken 2FA by Interswitch,
    • SecureCode by MasterCard
    • IPIN/ VbyV By VISA
  • Availability of Merchant Portal to view & monitor transactions in real-time mode
  • Availability of Customer Portal, especially for frequent payers, to access payment history
  • Instant email notification on transaction details and status.

 

To Merchant

  • Provides global reach for your business.
  • Round the clock operations
  • Increase in customer base & sales, revenue and decrease in administrative overhead
  • Better and faster way of receiving payments for goods and services
  • Elimination of middle-man challenges i.e. no delays in receiving settlements
  • Business is in alignment with the CBN policy as regards cashless payments as a preferred payment option

To Customer

  • Instant one-stop access to all payment options (i.e. Verve, MasterCard, Visa)
  • Extreme convenience
  • Secured payments on the internet
  • Transaction notification by email
Dependent on non-system failure, local transactions are settled by next working day after transaction date, three working days after transaction date for foreign transactions settled in local currency, bi-weekly/monthly for dollar settlements. Otherwise, our merchants would be advised of any settlement delay. 
For your request to be promptly attended to, please do contact Access Contact-Center
Mobile: 0700CallAccess, 0700225522377, 07080653300 
Email: AccessBank Contact-Center
Email: E BUSINESS Settlement - Customer Service & ChargeBack
  • Self service (Any GSM phone)
    •  Simply dial *903# on your mobile phone and send.
    •  Type 1 to choose registration.
    •  Enter your First name, Last name, Sex, and Date of birth.
    •  You will be required to change your Default PIN (****) to your choice.
  •  At an Agent location or Access Bank Branch
    •  Request for a registration form from the agent or branch.
    • Complete the form, read the terms and conditions and sign.
    •  Return completed form to agent/branch.
    • The agent/branch will register your details.
    • Once completed, your wallet will be activated and you will receive an SMS on how you can access your Mobile Money.
    • You will be required to change your Default PIN (****) to your choice.
  • How to Change your default PIN:
    • You can change your PIN at anytime. Dial *903#
    • Go to My wallet > PIN Change> Input Old PIN(****)> Enter New PIN> Confirm New PIN
In the event you lose your phone, please call the Access Bank contact centre to block your wallet as soon as possible. You will be able to have access to your money whenever you recover your line. 
Yes. Mobile Money can be used on any type of mobile phone. 
With basic details such as your First name, Last name, sex and Date of birth, you can get started on Mobile Money. However, you will not be able to effect transaction above three thousand naira (N3,000) at a time or thirty thousand naira (N30,000) per day. Customers who provide a valid ID and Utility bill can effect transactions of up to ten thousand naira (N10,000) per transaction and up to N100,000 per day. Account holders of Access Bank can perform transactions of up to N100, 000 per transaction and a cumulative of one million naira (N1M) per day.

Please note that account holders are required to visit an Access Bank branch to map their bank accounts before they can increase their transaction limits.
Yes, transaction limits apply to individual subscribers and agents according to Central Bank of Nigeria transaction limit.
Transaction Limit is as follows:
  • Non banked – Minimum daily N3,000 - maximum daily N30,000
  • Semi-banked – Minimum daily N10,000 – maximum daily N100,000
  • Banked- Minimum daily N100,000 – maximum daily N1,00
An agent is an individual or business entity authorized by Access Bank to provide basic Mobile Money services to customers. 
  • Individuals
  • Small Businesses
  • Companies with large distribution networks
  • Government Service Outlets e.g. Post Offices
Agents provide the following services:
  • Process transaction such as deposit, withdrawal, bill payment and send money services
  • Enrol customers onto the platform.
  • Provide customer service and support to customers.
  • Educate customers about Mobile Money services.
The following are the benefits of becoming Agent
  • An opportunity to manage your physical cash volumes in the light of the new CBN regulations
  • Increase traffic footfalls to agent premises and enable you to cross-sell your regular products and services
  • Merchant fee waivers for purchases made using Mobile Money.
  • Brand visibility in our various workshops and communication materials
An agent is identified by an Access bank Logo and a unique Agent Number prominently displayed at the Agent location. You can confirm an Agent Code by calling the Access Bank Contact Center or by visiting any of the Agent location
You can contact the Access Bank contact centre through:
  • Email: ContactCenterUnit@ACCESSBANKPLC.COM
  • Phone: 012802500, 012712005-7
  • Buy Airtime (Topup)
  • Send money to your loved ones
  • Pay Bill (DSTV, PHCN and others)
  • Pay Merchant
  • Check Balance & Mini Statement
  • Withdraw Cash from Agent or any of our ATMs nations wide              
No. Access Mobile is not available to multi-mandate accounts; only single-mandate accounts may be used with Access Mobile. 
Any phone that is web-enabled so as to be able to download the Access Mobile service. Customers with i-phones and android phones should visit the Google play store and search for Access Mobile to download. 
Yes, the apps would work, however it is not advisable to have both on your device for security reasons
No, the Pin for the Classic Mobile cannot work with this new app. Call the contact center or visit nearest branch for a PIN activation on the app.
No, the two applications can stay together on the phone but this is not advised.   
No, the Login information for Access Mobile cannot be used for the Premium app. 
  • You need to have a savings or current account with Access Bank Plc; the accounts should have full KYC documentation.
  • Then send D AM to 20220 as an SMS in order to download and run the Access Mobile service application.
  • In addition, the phone also needs to be web-enabled so as to be able to download the Access Mobile service.
  • Include download process for Android phones from Play store. 
A Beneficiary Name Enquiry System exists when transfers are initiated via any of the platforms i.e. Mobile Banking App, Internet Banking, etc. The system validates the account name against the account number whenever a transfer is initiated.
Instantly. However, where there are delays in transferring funds, the beneficiary bank shall notify the Sending Bank, Beneficiary, and EFT (Electronic Funds Transfer) Service Provider with an assurance of resolution within 24hrs.
 
If a transfer fails for any reason, the sum will be credited to your account within 24hrs, if this is not done, a formal complaint can be sent via email to contactcenter@accessbankplc.com
 
A transaction charge of N52.50(VAT Inclusive) is applicable to any request.
 

You can seamlessly use:

  • The Mobile Banking App
  • Internet Banking
  • *901#
  • Any Access Bank branch
  • ATM
Send an email to contactcenter@accessbankplc.com. The Sending Bank will notify the Beneficiary Bank, which shall then place a lien/hold on the amount in the account, and thereafter seek the consent of the beneficiary to do a refund.
 
A customer who receives funds in error and is unwilling to refund, is faced with a penalty of having his BVN watch-listed or being reported to law enforcement agencies.
This is a form of funds transfer by which money is transferred instantly from one bank account to another, either within a single financial institution or across multiple institutions, via computer-based systems, without the direct intervention of bank staff.
 
For Mobile Banking transfers, a limit of N2,000,000.00 is applicable in four tranches of N500,000.00.
All Instant Electronic Funds Transfer disputes shall be resolved within three (3) working days, but where the sending and receiving entities fail to agree, the aggrieved shall report to the Director, Consumer Protection within (5) working days to resolve the dispute to minimise inconvenience to customer.
 
The sender is expected to contact the beneficiary for amicable settlement so that funds can be returned.
It is an Access Bank customization service that allows you to personalize specified debit card with an image of your choice. You may select an image from our image gallery for a fee or upload one of your own images.
At the moment, you can only personalize a verve debit card issued on an Access Personal savings/current account. The Bank will notify its customers as soon as other card options are available for personalization.
 
 This service is only available on Individual accounts currently. 
No, personalization of your card will not cause any change in functionality. 

Yes. However, this will take a longer time for your card delivery as personalized card requests are treated within 5 business days.

Simply go to www.accessbankplc.com/persona and follow the steps to personalize your card. You will be given the choice of using an image from Access Bank online gallery or uploading an image of your choice provided it meets the Image Guidelines.
Your image must be at least 420*420 pixels and no more than 10MB in size. Acceptable image format are JPEG (.JPG), PNG, Bitmap (.bmp) and TIFF 
NO. Please refer to our image guidelines for more details on unacceptable images such as nudity, firearms, drugs, national flags etc. However, we have secured rights to some images which are available for use on the platform.
No, all your debit cards will not be replaced based on a single request. The Bank will only create a card on the specific account indicated on the card designer.
Yes, you will be given the opportunity to see the final look of your card on the screen. You can then choose to proceed or if you wish to make changes, you can go back and alter the image or select a completely new image.
You will receive an email within 48 hours informing you of the creation of your card where the card design has been approved or the decline of your card where the image contravenes the specified image guidelines. If your image is declined, you can submit another request with an approved image from our gallery or another image of your choice.
The cost of card is the standard charge of N1,000 while the image processing fee will cost additional N500. We also reserve the right to charge an appropriate fee if you change the image on your personalized card or when your image is declined more than once.
You will receive your new Persona Card within 3 business days of receiving the confirmation e-mail on the successful approval of the image.
Yes, you can continue to use your existing card while you wait for your Persona card to be processed.
Please inform the Bank by contacting your nearest branch or by calling the Telephone Banking number on the back of your card.
After submission of your request, changing the image on your card would mean requesting for a new card. You can request for a new card via the Bank’s website (www.accessbankplc.com/persona). 
You can decide to revert to a standard card at any time. Simply call our fully interactive 24-hour multilingual contact center on +234 01 2712005-7 to make the request.
The process to replace your card had already started; hence, you will not be able to change or add an image until you have received your new card.
If your new account supports the Access Customized Card service, your existing personalized card will continue to be valid. If your new account does not support the Access Customized Card service, we will issue you a new standard card is this at a cost.
Please call us immediately on +234-1-27120005-7 or send an email to contactcenter@accessbankplc.com to block the current card.
Please visit the nearest Access Bank branch or call our contact center on the number that appears on the back of your card.
Yes
Required documentation for card issuance includes:
  • Valid means of ID
  • Utility Bill
  • One Passport Photograph
  • Filled Card application Form (including BVN)
  LOCAL SPEND INTL. SPEND DAILY LOAD LIMIT (NGN)
ATM NGN150,000 $300 Daily 50,000
POS NGN 250,000 NGN 250,000 (Equivalent in any currency) Daily
WEB NGN 250,000 NGN 250,000 (Equivalent in any currency) Daily

There are no Monthly Spend Limits. Annual International Spend Limit is $50,000

Application forms are available at all Access Bank Branches and can also be downloaded online from http://www.shoptomydoor.com/access-bank.html
No
For card loading and funding, this card can be loaded with cash at any Access Bank branch nationwide and also via card transfers from other banks on Quickteller via any ATM or online at www.quickteller.com

YES there are transaction charges.

  •  Exchange Rate on international transactions is defined by the issuer.
  • International ATM Transaction Fee : NGN240
  • Local ATM Fee (from 4th Transaction on other bank terminal) : NGN65
  • Any other International ATM Transaction Fee as presented by the ATM Acquirer.
  • SMS Transaction Notifications : NGN4
There are no monthly or annual load limits. Daily load limit is NGN50, 000. Maximum amount on the card at any time cannot exceed NGN250,000.
This card will offer up to 20% discount on Shipping and Freight costs for the first two transactions and 15% on subsequent transactions.
Card Balances are delivered via SMS Transaction Notifications, ATMs or our Contact Centre.
Yes.
YES. Your prepaid card can be funded from another bank's debit card via www.quickteller.com. Please refer to your prepaid card welcome letter for steps.
Yes
No.
No.
Annual Maintenance is NGN100. 
No.
YES, but that has to be on your Access Bank account.
Please call our 24 Hour Contact Centre on 01-2712005-7 to block your card, and request for another card.
The bank decided this.
Yes
YES for ATM transactions, but NO for non cash transactions (POS & WEB) these are dependent on the merchant.
The card uses a dynamic OTP for local web transactions. This will be delivered to the cardholder's registered phone number with the bank at the point of transaction.
01-2712005-7
This is an instant loan product for salary earners. With payday loan, you can borrow money at low interest rate against your next salary.
  • Your eligibility will be affected by any of the following:
  • If you have unpaid loan in Access Bank or Other Banks.
  • If your salary account number is incorrect or you used a phone number that is not linked to your BVN number.
  • There is no evidence that you received salary into your account in the last 45 days.
  • You have collected existing PayDay loans up to your eligible amount already
Monthly repayment on existing loans will be taken into consideration in calculating your eligible amount. If the repayment on existing loan is considerable high compared to your salary, you may not be able to take a PayDay Loan.
You can access your funds from your new account by visiting the nearest Access Bank branch to obtain a debit card.
An account would be open for you automatically as part of the loan request process. Please visit the nearest Access Bank branch with your passport photograph and work ID to complete the process.
Your loan would be automatically debited from your salary account when your salary is paid.

Of course, you can.

You can request for a PayDay Loan by dialling *901*11# on your mobile device. You can also visit any of our ATMs or download the Quickbucks application from your mobile device store.

This is because your salary account is not domiciled in Access Bank and/or is not processed by any of our partners. Kindly move your salary account to Access Bank to be eligible for PayDay Loan.
After you have registered successfully, upon your loan request, the loan is instantly approved and disbursed into your Access Bank account.
It is displayed when the loan request is initiated.
As many times as you may require as long as you have not exceeded your eligible limit. Each time you request, the eligible amount is displayed, and you can apply for not more than the eligible amount.
Upfront fees of 1% flat 4% flat interest and insurance of 0.15% of loan amount is taken upon loan disbursement (5.15% total all payable upfront)
 
Your salary account does not need to be in Access Bank before you can get PayDay loan. However, an Access Bank account would be opened for you as part of the loan request to disburse the loan.
Maximum of 31 days or salary payment day (whichever comes first).
The Bank will only finance properties/buildings apart from land.
Commitment and Management fees are paid one-off upfront while Advisory fee is paid on outstanding principal at every anniversary of the loan.
Call Access Bank contact centre or contact the Mortgage Product Manager. 
 
Mortgage payments are based on the loan amount, the loan interest rate, tenor of the loan, age of borrower.
Negative credit check, encumbered property, bad search report, High DSR.
Our interest rate is floating and subject to review from time to time in line with the prevailing money market condition.
Credit life insurance to cover against the risk of death, job loss and permanent disability. Asset Protection insurance to protect against destruction of the property.
The monthly mortgage payment mainly pays off principal and interest. 
The interest is tied to MPR on a risk based pricing ranging between 18 and 23% p.a
LTV stands for loan to value and the ratio is the amount of the mortgage expressed as a percentage of the property's value. The lower the LTV, the greater the equity in the property. Our maximum LTV is 70%. 
Maximum of N200million and a minimum of N10million.
Loan for outright purchase of property, loan against existing property of applicant, loan for Home renovation/refurbishment, Loan for property under construction.
Lagos, Abuja and Port Harcourt.
Salaried employees, Self Employed individuals, Business Owners, Affluent Professionals, High Networth Individuals etc
Yes they can. However they will be required to open an account.
Yes this is allowed.
Customers can apply by either visiting the bank’s website address www.accessbankplc.com under “Personal” and follow the simplified application process or pick up hard copy application forms from any Access Bank branch.
The turnaround time is within 72 hours upon acceptance of offer, submission of complete documentation and positive verifications.
The customer is expected to agree with the dealer on the delivery terms at the point of requesting pro forma invoice.
The Relationship Officer will be carry the customer on the progress of the transaction as well when as the loan is booked and payment has been made to the dealer.
The customer is ensure that his/her account with the bank is adequately funded on the repayment due date to accommodate the rental that mature into account.
Yes this is allowed and without any penalty.
There is no limit however the customer’s capacity to repay must be within 33.3% of your income.
  • Requests shall be assessed in line with the eligibility requirements and risk acceptance criteria as defined by the Bank.
  • Approval is subject to positive verification of all documents submitted by the customer.
  • The customer is required to irrevocably domicile salaries, allowances and other emoluments with Access Bank throughout the tenor of the facility.
  • In the case of Self-Employed Persons and Corporates their sales proceeds/receivables must be domiciled with the bank.
  • Monthly repayment shall not exceed not 33.3% of applicant’s monthly income.
  • Ownership of the vehicle and original title documents shall reside with the Bank until expiration and completion of payment.
  • Customer is required to provide a minimum of 10% equity contribution and repay the facility within a maximum tenor of 48 months.
  • The Bank shall appoint an insurance company to insure the leased vehicle throughout the tenor of the facility and noting its interest as first loss payee at a cost to be borne by the customer.
  • The customer shall be responsible for negotiating price, registration cost, colour, delivery terms etc. with the automobile dealer.
The customer is required to send in a written request through the Relationship Officer for the release of the original vehicle documents in the bank’s custody.
Cheques received from the underwriter(s) for the claims settlement will be paid into the customer’s account.
The customer is expected to notify the bank immediately in writing and provide the following:
  • In the evident of an Accident
    • Police report
    • Photographs of the vehicle clearly showing the damage and the number plate
    • Copy of the drivers’ license
    • Estimate of cost of repairs
    • Completed motor accident claims form
    • Photocopy of the insurance certificate
Please note that insured (lessee) is not expected to accept liability/settlement for loss or damage on behalf of the insurers.
  • In the event of Theft
    • Completed motor theft claims form
    • Interim Police report
    • Final Police report
    • All original vehicle documents and keys to the vehicle
  • In the event of Fire:
    • Police report
    • Photographs of the burnt vehicle and scene of incident
    • Completed fire claims form
    • All original vehicle documents to the vehicle
Please note that processing of theft insurance claim begins when the final police report has been received confirming that the vehicle cannot be recovered.
  • In event of Death
The following will be required:
  • Notification letter
    • Post mortem
    • Death certificate
    • Burial certificate
    • Medical bill
    • Obituary (optional)
TIPS
  • Do not repair the vehicle before the insurance company evaluates the damage
  • Protect the vehicle from further damage i.e., cover broken areas appropriately
  • Do not abandon the vehicle at the crash scene; drive or tow the vehicle to a secure place, garage or preferably the dealer’s workshop.
  • Obtain quotation for cost of repairs from the workshop.
Do your best to obtain and document the following information:
  • Accident information -date, time & location
  • Other vehicle(s) information – make, model, color, number plate, general description of damage
  • Vehicle owner and/or other drivers information – names, address, phone number, drivers license number, insurance agent and company contact information—including phone number and insurance policy number
  • Witness information –names, addresses & phone numbers
  • Law enforcement and medical assistance information – was the crash reported to the Police or Highway Patrol?
Up to 48 months tenor.
Vehicle Finance is Access Bank’s vehicle lease product designed to enable customers acquire new vehicles in a financially convenient manner.
  •  Decide on the vehicle of your choice.
  • Obtain pro forma invoice from any of the bank’s accredited vendors, and
  • Submit your application (online or hard copy) to the bank.
Only new vehicles sold and serviced by the bank’s accredited dealers.
  • Employees
  • Self Employed Professionals
  • Corporates
It is the responsibility of the bank to insure the vehicle throughout the tenor of the facility at a cost to be borne by the customer.
All original vehicles papers are to be held by the bank until expiration of the facility and completion of payment.
The customer is expected to negotiate the cost of registration with the automobile dealer.
MHS Scheme is our Maternal Health Support Scheme specially designed to support women and families with easy and convenient options to pay for medical expenses. 

Fertility treatments, natal (child delivery) services, bariatric (weight control), specialized procedures such as hysterectomy, myomectomy etc.

The MHS Scheme covers both domestic and overseas medical bills.

We are in partnerships with 11 top hospitals/clinics but we intend to add an additional 50 before year end. We can link you with these hospitals and work with you.
The scheme is designed to support women and families in general with financing to pay for medical bills. This is open to everyone but you need to have a banking relationship with Access Bank.
For some specific medical procedures we have partner hospitals otherwise we would accept your preferred hospital which must be accredited in line with our acceptance criteria.
Usually, the value of financing is subject to your capacity to repay. However, we can provide support for bills as high as $25,000 or its Naira equivalent.
You or your partner or both need to have a banking relationship with Access Bank either as a salary earner, or an entrepreneur. In the case of families, couples can combine their resources for the purpose of financing.
The scheme is available for approved procedures but subject to your capacity to repay.
You can apply on line at www.accessbankplc.com or pick up an application form in any of our branches closest to you nationwide.
All information exchanged under this scheme will be handled with utmost confidentiality and will only be available to relevant parties.

It is a financing bridge that can also be a life saver depending on the urgency of the procedure. Other benefits include:

  • Application form with quick approval decisions.
  • Competitive payment options and convenient monthly payments.
  • Low rates.
  • Guaranteed confidentiality.
On many occasions patients are unable to pay up-front for their medical procedures or medical devices. Access Bank under the MHS Scheme will assist patients by helping them finance their medical procedures hassle-free. Through our partnership with experienced medical experts and institutions, we are able to get you the right medical financing options, at the best rates, on time.

However, if you already have a provider you are seeing who does not work with us, we can work with your provider to make sure we can still finance the procedure you need subject to our acceptance criteria
We offer personal loans covering medical expenses for tenors ranging from 12 - 36 months at very competitive rates (14%).
In most cases, you will not have to make a down payment. All you have to do is domicile your salary account to Access Bank. Where you are not employed but your husband is, we will accept a domiciliation of his salary with us. In rare instances, we may consider other acceptable securities.
Once you’re approved, our team will contact to you to go over your interest rate, financing options and approved loan amount. We would then contact your physician and work out the details of your procedure and its financing terms. All you have to do after that is show up on the day of your procedure! 
Feel free to email us at womenbankingteam@accessbankplc.com or call us at: 01-2712005-7
Ready to apply?
Please speak with one of our representatives for help with your application or any questions you may have, Call 01-2712005-7.

*Terms and condition apply 

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