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

Code to Borrow Money from Access Bank: Access Bank is a leading Nigerian financial institution that offers various banking services, including loans and credit facilities. If you’re an Access Bank customer, you can borrow money using a simple USSD code. This article will provide you with a step-by-step guide on how to use the USSD code to borrow money from Access Bank.

  1. Access Bank’s USSD Code for Borrowing Money

Access Bank offers a Payday Loan service, which allows eligible customers to borrow funds up to their salary amount. To access this service, use the following USSD code:


Follow these steps to borrow money from Access Bank using the USSD code:

Step 1: Dial 90111# from your mobile phone registered with Access Bank.

Step 2: Follow the on-screen prompts to provide the required information, such as the loan amount and repayment period.

Step 3: Confirm your request by inputting your transaction PIN or the last four digits of your debit card number.

Step 4: You will receive a notification with the details of your loan request, including the approved loan amount, interest rate, and repayment schedule.

Please note that eligibility for an Access Bank Payday Loan depends on factors such as your credit score, account history, and employment status.

  1. Borrowing Money Using Access Bank’s Mobile App

You can also borrow money from Access Bank using their mobile app. Follow these steps to request a loan:

Step 1: Download the Access Bank Mobile App from the Google Play Store (Android) or App Store (iOS).

Step 2: Log in to the app using your internet banking credentials or your registered phone number.

Step 3: Navigate to the “Loans” section within the app.

Step 4: Browse through the available loan options and select the one that best suits your needs. Step 5: Follow the on-screen instructions to provide the necessary information and submit your loan application.

  1. Borrowing Money through Access Bank’s Internet Banking

Access Bank’s internet banking platform is another option for borrowing money. To request a loan through internet banking, follow these steps:

Step 1: Visit Access Bank’s official website at

Step 2: Log in to your internet banking account using your User ID and Password.

Step 3: Locate the “Loans” section on the dashboard.

Step 4: Select the type of loan you wish to apply for and complete the application form with the required information.

Step 5: Submit your loan application and await a response from Access Bank.

Access Bank Code: An Easy Way to Transfer Money


Access Bank offers convenient ways for eligible customers to borrow money, including using USSD code, mobile app, and internet banking. By following the steps provided in this article, you can easily request a loan from Access Bank. Before applying for any loan, ensure that you understand the terms and conditions, including interest rates and repayment schedules, to make informed financial decisions.

Leave a Comment