Discovering your Access Bank ATM card is missing can trigger immediate panic. However, swift action is your strongest defence against potential financial loss. Access Bank Nigeria has established multiple, user-friendly channels to secure your funds instantly, whether you're online or off.
Immediate Steps to Secure Your Account
Time is of the essence when your card is lost or stolen. Access Bank provides several methods to block your card or account immediately, ensuring unauthorised individuals cannot access your money. You can act through the USSD platform, the Access More mobile application, WhatsApp Banking, internet banking, or by directly contacting customer service.
Block via USSD Code: The Fastest Offline Method
This method requires no internet connection, only a mobile phone with the SIM card registered to your bank account. It is ideal for emergencies.
The dedicated USSD code for blocking your Access Bank card is *901*911#. Follow these steps:
- Dial *901*911# from your registered phone number.
- Select the option for 'Block Account' (typically Option 2).
- Choose whether you are blocking your own account ('Self') or a third party's.
- Enter the phone number linked to the account.
- Select the specific account(s) you wish to block—you can choose one or all.
- Enter your USSD PIN to confirm.
Upon completion, you will receive an SMS confirmation that your account has been successfully blocked. This action takes effect instantly.
Block Using the Access More Mobile App
If you have the Access More app installed and have internet access, this is a convenient alternative.
- Log into your Access More app.
- Navigate to the 'Menu' and find the 'Security' or 'Self-service' section.
- Look for and select the 'Freeze Account' option.
- Follow the on-screen instructions to confirm the block.
The block is applied in real-time, halting all transactions on the selected card or account.
Utilise Access Bank WhatsApp Banking
Access Bank's official WhatsApp Banking service offers a chat-based solution. To use it:
- Save the official Access Bank WhatsApp number: 09090901901.
- Send a message saying "Hi" to initiate the chat.
- Follow the automated chatbot's prompts.
- Select the option for 'Block Card' or 'Block Account'.
- Verify your identity as requested and confirm the block.
Block Through Internet Banking
Account holders with internet banking credentials can also secure their accounts online.
- Visit the official Access Bank website and log into your Internet Banking portal.
- Locate and select the account you wish to secure.
- Find the account management or security settings.
- Choose the option to block or freeze the account and confirm your choice.
A confirmation message will appear on your screen once the process is complete.
Critical Actions After Blocking Your Card
Once your card is blocked, it becomes permanently inactive for ATM withdrawals, POS payments, and online transactions. If you only blocked the card and not the entire account, services like mobile app transfers and USSD transactions may remain active. A full account block suspends all outgoing transactions until you visit a branch to reactivate it.
Your next step should be to request a replacement card. Visit any Access Bank branch with a valid means of identification. You will need to complete a card replacement form and may be charged a nominal fee. The new card is typically ready for activation within 48 hours.
Access Bank Customer Support Channels
If you encounter difficulties or your registered SIM card is also lost, immediately contact Access Bank's customer care, which operates 24/7.
- Phone: 07003000000, 0201-2712005-7, 0201-2273000-9, or 02012802500.
- Email: contactcenter@accessbankplc.com
- Social Media: Reach out via X (Twitter) @myaccessbank, Facebook @AccessBankPlc, or Instagram @myaccessbank.
When you call, provide your account details (but never your PIN) and explain the situation. The agent will assist in blocking the card and guide you on the replacement process.
Frequently Asked Questions (FAQs)
Can I unblock my card after blocking it?
Yes, but you cannot do it yourself via USSD. You must contact Access Bank customer care or visit a branch for assistance with unblocking.
How long does it take for the block to work?
The block is instantaneous across all methods—USSD, app, WhatsApp, and internet banking.
Can I block my card from another phone?
You can, but you must use the SIM card registered to your account. Insert your SIM into any phone and dial *901*911#. If the SIM is lost, call customer care immediately.
Why is immediate action so crucial?
Acting swiftly is the most effective way to prevent fraudsters from draining your account. Blocking your card secures your funds and provides peace of mind while you arrange for a replacement.
Losing your ATM card is undoubtedly stressful, but with Access Bank's multiple secure channels, you can take control and protect your finances within minutes.
