Why is my Access bank account restricted?

Why is my Access bank account restricted?

Read all about why your Access bank account is restricted.

When a bank account is restricted, you will not be able to carry out transactions like transfer, withdrawals, you won’t be able to complete transactions with USSD, mobile app or internet banking.

There are a number of reasons why your access bank account may have been restricted, however, you should not panic, as most of these issues are minor and require you to carry out a few actions and you can fully be back to accessing your account.

You should also not be afraid that your money may be gone, as the bank will not touch your money. All that is required is for you to sort the issue out.

In this post, I am going to be writing about some of the reasons why your access bank account has been restricted and also what you can do to un-restrict your account.

Remember to leave us a comment after you finish reading also share with your friends on social media.

Let’s get into it then…

Read my post on how to block access bank account

Why is my Access bank account restricted?

The following are some of the reasons why your access bank account may have been restricted:

Dormant account

A very common reason why your account is restricted may be because you left if dormant for too long. By dormant, I mean you didn’t perform any transaction on it for a long period of time.

For most banks, if you do not perform any transaction from your account in a period of 6 months or more, it may become restricted/dormant and you may need to reactivate it.

Update account details

Some banks will also restrict your account if they need you to update/upgrade your account. For example, if your account is a tier 2 account and you have received more than its limit, then you may need to provide some certain documents, so your account can be upgraded and in the process unrestricted.

Fraudulent transactions

Another reason why your access bank account may have been restricted might be because it was involved in some sort of fraudulent activity.

In this case, banks usually have no choice but restrict your account, at least until there is enough proof that no foul play occurred.

It could also be that you were the one who contacted customer care on a potential fraudulent activity on your bank account, in which case the bank restricted it.


If you are removing all the money on your bank account, the bank might also restrict it. In Many cases, this is done to prevent fraud, in case you are not one liquidating your account yourself.

This is to prevent you from losing all your money to scammers.

There are a few other reasons why your Access bank account has been restricted, but the above is the usually the most common ones.

How to un-restrict your Access bank account?

Read my post on how to open access bank account online

If you want to un-restrict your access bank account, then you should do the following:


Dial the USSD code *901# and perform a simple transaction like buying recharge card of 100 naira. If your account was restricted because it was left dormant, this should get it working fully again.

Call customer care

You can also call the access bank customer care line and request for your bank account to be un-restricted. If it was restricted because of a minor issue, then they will help you to un-restrict it on your request.


+234 1-2802500


+234 1- 2712005-7



Visit the nearest Access bank branch

You can also walk into the nearest Access bank branch and request for them to remove the restrictions from your bank account.

If they require anything them from you, they will let you know and all you have to do is provide them with it.

It is smarter to contact the Access bank customer care before visiting the bank, so you will know what may be required of you.

About Access bank?

Access Bank today is the largest bank in Nigeria and Africa’s leading bank by customer base.   It is a full service commercial bank operating through a network of more than 600 branches and service outlets, spanning three continents, 12 countries and 36 million customers.

The Bank employs 28,000 thousand people in its operations in Nigeria, Sub Saharan Africa and the United Kingdom, with representative offices in China, Lebanon, India and the UAE.   It continues to look at opportunities to build its network in global trade and payment centres, helping Africa to play its part on the world stage.


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