How to Borrow Money from Access Bank with USSD Code & App

Access Bank is one of Nigeria’s largest banks. It offers customers quick and digital ways to access loans without long paperwork or collateral. Today, many customers want to know how to borrow money from Access Bank with USSD code & app or through the bank’s mobile apps. This guide explains each method step-by-step, the requirements, loan types, interest, and what to expect.

What It Means to Borrow Money from Access Bank

Borrowing money from Access Bank means applying for a loan or credit facility that is credited directly to your account. The bank provides digital loan products you can access instantly, using simple channels like a USSD code on your phone, the bank’s mobile apps, or other digital services.

Also read: How to Borrow Money from Moniepoint App

These products are designed to help you when urgent needs arise and you need cash fast, without visiting a branch.

In this article, we explain how these methods work and what you should know before borrowing.

Access Bank USSD Code: The Fastest Way to Borrow Money

One of the fastest ways to borrow money from Access Bank is through the bank’s USSD code. USSD (Unstructured Supplementary Service Data) works on any mobile phone, whether it’s a smartphone or a basic feature phone.

USSD Code to Borrow Money from Access Bank

The main code to borrow money from Access Bank is:

📍 Dial *901*11# on your registered phone number.

This code opens a menu that lets you request a digital loan. It’s the same way you access other banking services.

Also read: How to Borrow Money from Kuda Bank

You can also dial *426*11#, which is an alternative USSD string for accessing the loans.

Step-by-Step: How to Borrow Money from Access Bank with USSD Code

Here’s how the USSD experience works:

Dial the loan USSD code
On your phone, enter *901*11# using the number linked to your Access Bank account.
Select Loans Option
A menu appears. Choose the option for “Loans” or “Borrow Money” (labels vary by screen).
Pick Loan Type
You may see options like PayDay Loan, Salary Advance, or other quick loan products.
Enter Amount
Specify how much you want to borrow, based on your eligibility.
Confirm Details
Carefully check the loan amount, fees, and repayment terms shown.
Submit Request
Confirm to send the loan request. If you qualify, the money is credited straight into your Access Bank account.

How to Borrow Money from Access Bank with USSD Code: Requirements

To request a loan using *901*11#, you must:

Have an active Access Bank account.
Use the phone number linked to your account.
Show regular account activity.
Not have outstanding unpaid loans.

If you meet these, you improve your chances of instant approval.

Also read: How to Borrow Money from Opay in Nigeria | Full Guide

How to Borrow Money from Access Bank with USSD Code: Amount You Can Borrow via Ussd

How much you can borrow depends on:

Your account history and activity
Your salary amount (for salary-based loan products)
Whether you have existing loans

For example, Access Bank’s PayDay Loan can allow up to 75% of your net monthly salary as the eligible loan amount, up to a maximum of ₦2,000,000.

How to Borrow Money from Access Bank App

Another digital way to get money from Access Bank is through mobile banking apps.

Mobile App Options

Access Bank offers multiple app options to request loans:

Access Mobile App – This is the standard mobile banking app for customers.
QuickBucks App – A dedicated app for loan requests and digital credit solutions.

Both apps let you view loan options and apply in a few taps.

Steps to Borrow Money Through Access Bank App

Download or Open the App
Install the Access Mobile App or QuickBucks from Google Play Store or Apple App Store.
Log In
Sign in using your phone number and password/PIN linked to your Access Bank account.
Go to Loans or Borrow Money
In the app menu, select “Loans & Investments” or similar.
Choose Loan Product
You can pick from products like PayDay Loan, Salary Advance, Small Ticket Personal Loan, and others.
Enter Loan Amount
Input how much you want to borrow.
Confirm and Submit
Accept the terms and conditions, then submit. If eligible, your loan is disbursed to your account.

Types of Loans You Can Get from Access Bank

Access Bank provides several instant digital loan products you can request via USSD or the app:

1. PayDay Loan

An instant loan with no documentation or collateral.
You can request it via *901*11#, QuickBucks App, or the Access Mobile App.
Designed to cover urgent expenses before salary arrives.
Repayment is typically due on your next payday or within 30 days.
Maximum eligible amount is up to 75% of your salary for salaried customers.

2. Salary Advance

This is a variation of PayDay Loan targeted at customers who receive their salary in an Access Bank account. It works much like a payday advance.

3. Small Ticket Personal Loan

This allows customers to get slightly larger or longer-term personal loans. Typically, it is available through QuickBucks or USSD *901*11*1#.

4. Other Loan Products

There are loans like Lending Against Turnover (LATO) for business owners or other financial needs, which also use USSD and app channels to access loans. LATO is an instant loan option for non-salary account holders who have had an existing banking relationship with Access Bank for at least six months.

Also read: Wema Bank USSD Code for Transfer, Airtime and Mobile Banking | Full Guide

Interest Rates and Fees

Interest rates and fees vary by loan product:

PayDay Loan generally has interest between ~10%–13% depending on your profile.
Small Ticket Personal Loan interest and fees are often shown to you before you confirm the loan.

The exact amount you will repay is displayed in the loan application screen before you accept.

How Repayment Works

Repayment is usually automatic. Loans taken through *901*11# or the app are set up so the bank can deduct from your next salary inflow or account credit when due.

Always check the repayment date and amount before confirming your loan request. This helps you avoid penalties and understand the schedule clearly.

Benefits of Borrowing Money From Access Bank

Borrowing money through Access Bank with *901*11# or app channels is:

Fast – Instant disbursement if eligible.
Convenient – No branch visit, no paperwork.
Digital – Works online via apps or offline via USSD.
Secure – Transactions are authenticated with security PINs.

Also read: Fidelity Bank Code for Transfers & Checking Account Balance | Full Guide

How to Borrow Money from Access Bank with USSD Code: Things to Know Before Borrowing

Before you dial *901*11# or use an app to borrow money from Access Bank:

Make sure your phone number is linked to your Access Bank account.
Check your eligibility and loan limits before confirming your request.
Understand repayment terms to avoid default.

How to Borrow Money from Access Bank with USSD Code: Conclusion

Learning how to borrow money from Access Bank with USSD code and how to borrow money from Access Bank app gives you powerful, instant access to funds. Whether through the *901*11# code on your phone or the Access Mobile or QuickBucks app, these digital loan options help you manage financial needs without paperwork or collateral. Always borrow wisely, check terms, and ensure you understand repayment schedules.

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How to Borrow Money from Access Bank in Nigeria with USSD Code & App