Organisation and network

Access Bank is described as a wholly owned subsidiary of Access Holdings Plc and a full-service commercial bank serving customers through a network of more than 700 branches and service outlets. Alongside branches, the bank reaches customers through Access Bank CLOSA agents, BETA agents and deposit ATMs. During the Central Bank of Nigeria's 2022 naira redesign, the bank cited over 600 branches, more than 150,000 CLOSA agents and over 500 BETA agents present in over 180 major markets in Nigeria. American Express cards are issued by Access Bank plc under licence.

  • Subsidiary of Access Holdings Plc
  • More than 700 branches and service outlets
  • More than 150,000 Access Bank CLOSA agents
  • Over 500 BETA agents across Nigerian markets
  • Issuer of American Express cards under licence

Sources: Home | Access Bank, New Naira Note Update | Access Bank

Everyday and savings accounts

The bank offers personal and corporate banking products covering children's savings, personal savings, retirement planning and business borrowing. The Domiciliary Account supports international transactions in currencies including dollars, pounds, euros and yen, and is available to both corporate and individual customers with Mastercard, Visa and Verve debit cards usable on POS terminals and ATMs. The Early Savers Account is a savings account for children aged 0–18, including unborn children, opened and operated by parents in trust. The Access Money Account is a mobile wallet opened via *901*10# that allows bill payment, funds transfer, bulk payments, debit card access and mini statement generation.

  • Domiciliary Account for foreign currency transactions
  • Early Savers Account for children in trust
  • Access Money Account mobile wallet via *901*10#
  • Diaspora Current Account for individuals living outside Nigeria
  • Debit cards usable on POS terminals and ATMs

Sources: Home | Access Bank, Domiciliary Account | Access Bank, Early Savers Account | Access Bank, Access Money Account | Access Bank, Current Account | Access Bank

Lending products

Access Bank provides a range of consumer and business loans accessible through branches, the Access Mobile App and USSD codes. Lending Against Turnover (LATO) is an instant loan for non-salary account holders with a banking relationship of over six months, applied for by dialling *901*11#, requiring no documentation or collateral, with a 90-day tenor. The Cash-Backed Loan, requested via *901*11*2#, is open to customers with unmatured investments at the bank, up to 85% of the investment amount and a maximum of ₦10,000,000. Other facilities include an Auto Loan of up to ₦200 million for pre-owned and ₦400 million for brand-new vehicles, Advance for School Fees up to NGN 20 million, and the Maternal Health Service Support loan of up to ₦10 million for health procedures.

  • Lending Against Turnover (LATO) via *901*11#
  • Cash-Backed Loan via *901*11*2#
  • Auto Loan with repayment up to 60 months
  • Advance for School Fees up to NGN 20 million
  • Maternal Health Service Support (MHSS) up to ₦10 million
  • QuickBucks quick-loan channel

Sources: Lending Against Turnover (LATO) | Access Bank, Cash-Backed Loan | Access Bank, Car Loan | Access Bank, Advance for School Fees | Access Bank, Maternal Health Service Support (MHSS) | Access Bank

Health cover and other propositions

HealthXtra is a healthcare coverage plan offered in partnership with Hygeia HMO, aimed at children, students, employees, government establishments and corporate organisations. Cover starts from N8,500 per annum, with HealthXtra Seniors from N6,000 per month or N62,000 per annum and a corporate variant from N10,000 per annum per employee. Benefits listed include basic healthcare, accommodation, immunisation for ages 0–5, pharmacy, telemedicine consultation, laboratory and diagnostic services, and access to over 1,300 hospitals nationwide. The bank also runs the "W" Initiative and sustainable banking programmes.

  • HealthXtra in partnership with Hygeia HMO
  • Over 1,300 hospitals in the provider network
  • HealthXtra Seniors and corporate variants
  • The "W" Initiative for women

Sources: HealthXtra | Access Bank, Home | Access Bank

Contact and service channels

Customers can contact the bank's multilingual customer care service by telephone on +234 700 300 0000 or +234 1 271 2005, or by email at contactcenter@accessbankplc.com. Loan applications and enquiries are also handled at any Access Bank branch, through the Access Mobile App and via USSD codes. School fees loan applications are submitted to a dedicated email address, and CLOSA agent locations can be found through the bank's website.

  • Phone: +234 700 300 0000 or +234 1 271 2005
  • Email: contactcenter@accessbankplc.com
  • Access Mobile App and USSD banking
  • Branches, CLOSA agents and BETA agents

Sources: Lending Against Turnover (LATO) | Access Bank, New Naira Note Update | Access Bank, Advance for School Fees | Access Bank

Topic Sustainable Banking Access Bank's sustainability programme covering health, education, women and community initiatives.
Event New Naira Note Update Access Bank's response to the CBN naira redesign, with Saturday openings and free cash deposits before 31 January 2023.
Service Access CLOSA Agency banking service giving access to financial services through authorised agents using POS terminals and mobile phones.
Service Access CLOSA (Agency Banking) Agency banking service providing financial services through authorised neighbourhood agents using POS terminals and mobile phones.
Financial Product Access Money Account Mobile wallet account opened via *901*10# allowing instant transactions on any phone, earning up to 7.95% interest.
Service AccessAfrica Cross-border payments product sending funds in USD to over 140 countries for Access Bank customers.
Financial Product Advance for School Fees Loan of up to NGN 20 million for salaried customers and business owners to pay tuition and related costs.
Financial Product Auto Loan Vehicle finance of up to ₦400 million for brand-new and ₦200 million for pre-owned vehicles.
Financial Product Cash-Backed Loan Instant loan for customers with qualifying unmatured fixed deposit investments, accessed by dialling *901*11*2#.
Financial Product Diaspora Current Account Current account designed for Nigerians living outside Nigeria, with N10,000 minimum opening balance.
Financial Product Domiciliary Account Foreign currency account for sending, receiving and transferring funds in Dollars, Pounds, Euros and Yen.
Financial Product Early Savers Account Savings account for children aged 0-18, opened and operated by parents in trust, earning 7.95% p.a.
Product HealthXtra Affordable healthcare coverage plan offered in partnership with Hygeia HMO, from N8,500 per annum.
Financial Product Lending Against Turnover (LATO) Instant USSD loan for non-salary account holders with at least six months banking relationship with Access Bank.
Financial Product Maternal Health Service Support (MHSS) Subsidised health financing of up to 10 million Naira covering fertility, natal, paediatric and cancer treatments.
Service PAPSS Pan-African Payment and Settlement System enabling instant cross-border payments in Naira to 11 African countries.
Service PAPSS (Pan-African Payment and Settlement System) Centralised cross-border payment infrastructure enabling instant Naira payments to beneficiaries in 11 African countries.
Financial Product Payday Loan Instant collateral-free loan for salary and non-salary earners accessible via USSD, apps and internet banking.
Software QuickBucks Access Bank's digital lending app available on Google Playstore and iOS App Store for instant loans.
Financial Product Salary Advance Six-month digital loan of up to 200% of monthly salary for Access Bank salary account holders.
Financial Product Small Ticket Personal Loans Digital salary-based loan of up to 400% of net monthly salary repayable over 12 months.
Service The “W” Initiative Access Bank's women-focused initiative launched in July 2014 to support female entrepreneurs and financial inclusion.
Financial Product W Power Loan Financing scheme designed to support female-owned businesses with term loans and working capital.
Institution Office of Hearings and Appeals SBA office (OHA) that adjudicates size, NAICS, 8(a), WOSB/EDWOSB, VOSB/SDVOSB and PPP appeals.
Organisation The Stevie® Awards The world's premier business awards, created in 2002, running nine awards programs worldwide.
access bank access bank plc nigeria access bank nigeria access bank personal banking personal and corporate banking products full service commercial bank nigeria

Sources

  1. Home | Access Bank https://www.accessbankplc.com/ Verified 03 Nov 2026
  2. My Access | Access Bank https://www.accessbankplc.com/contact-us/my-access Verified 20 Aug 2026
  3. Our History | Access Bank https://www.accessbankplc.com/about-us/our-history Verified 20 Aug 2026
  4. Our Awards | Access Bank https://www.accessbankplc.com/about-us/our-awards Verified 20 Aug 2026
  5. American Express Card | Access Bank https://www.accessbankplc.com/amex Verified 20 Aug 2026
  6. StopFraud | Access Bank https://www.accessbankplc.com/stopfraud Verified 20 Aug 2026
  7. Privacy Policy | Access Bank https://www.accessbankplc.com/privacy-policy Verified 20 Aug 2026
  8. Terms of Use | Access Bank https://www.accessbankplc.com/terms-of-use Verified 20 Aug 2026
  9. Advance for School Fees | Access Bank https://www.accessbankplc.com/personal/borrowing/advance-for-school-fees Verified 03 Nov 2026
  10. Car Loan | Access Bank https://www.accessbankplc.com/personal/borrowing/auto-loan Verified 03 Nov 2026
  11. Cash-Backed Loan | Access Bank https://www.accessbankplc.com/personal/borrowing/cash-backed-loan Verified 03 Nov 2026
  12. Lending Against Turnover (LATO) | Access Bank https://www.accessbankplc.com/personal/borrowing/lending-against-turnover-(lato) Verified 03 Nov 2026
  13. Maternal Health Service Support (MHSS) | Access Bank https://www.accessbankplc.com/personal/borrowing/mhss Verified 03 Nov 2026
  14. Payday Loan Without Collateral | Access Bank https://www.accessbankplc.com/personal/borrowing/payday-loan Verified 03 Nov 2026
  15. Small Ticket Personal Loans | Access Bank https://www.accessbankplc.com/personal/borrowing/small-ticket-personal-loans Verified 03 Nov 2026
  16. Current Account | Access Bank https://www.accessbankplc.com/personal/diaspora-banking/current-account Verified 03 Nov 2026
  17. Domiciliary Account | Access Bank https://www.accessbankplc.com/personal/everyday-accounts/domiciliary-account Verified 03 Nov 2026
  18. Early Savers Account | Access Bank https://www.accessbankplc.com/personal/kids-teens/early-savers-account Verified 03 Nov 2026
  19. New Naira Note Update | Access Bank https://www.accessbankplc.com/personal/promos-propositions/new-naira-note-update Verified 03 Nov 2026
  20. HealthXtra | Access Bank https://www.accessbankplc.com/personal/savings-investing/healthxtra Verified 03 Nov 2026
  21. Access Money Account | Access Bank https://www.accessbankplc.com/personal/savings-investing/access-money-wallet

Last verified 03 Nov 2026. This entry is compiled from the public web pages listed above. Nothing here is stated that those pages do not, and each of them was read on the date shown.