How to Generate Access Bank Token Code in 2025

How to Generate Access Bank Token Code: With the way cyber threats and bank fraud are on the rise every single day, banks are looking for a way to secure their customers’ assets, and Access bank is not left behind. 

Like every other conventional bank, Access Bank is looking for ways to improve the security of their customers’ banking activities. Aside from the general transfer PIN to perform transactions, access banks have introduced a token code.

This token code is a unique, one time use pin/password that is only available to authorized account owners to perform various banking activities such as money transfer amidst others.

The general question from every account owner is how can they get the token?. The answer is right in this blog post. Just make sure you read this to the very end and do not miss or mix a word.

But before I show you how to generate Access bank tokens, you need to fully understand what an access bank token is! Let’s quickly take a look at what is access bank token

Keyword

1. How to Generate Access Bank Token Code
2. What is Access Bank Token Code
3. Types of Access Bank Token
4. How to Activate Access Bank Token
5. How to Generate Access Bank Soft Token 
6. FAQs on Access bank token

See this: FCMB Mobile App: How to Download and Activate FCMB Bank App

What is Access Bank Token Code?

The Access Bank Token Code, or Access Token, is a tool from Access Bank designed to make your online banking more secure. It’s a small device that generates a unique and temporary security code, also known as a “token code” or “one-time password” (OTP). You’ll need this code to complete certain transactions, especially those involving money transfers or sensitive actions on Access Bank’s online or mobile banking platforms.

Whenever you start a transaction that needs extra security, the Access Token produces a unique code for you to enter. This code changes each time and is only valid for a short period, adding an extra layer of protection for your account.

The Access Token boosts online banking security by adding a dynamic, time-sensitive element to the authentication process, making it tougher for unauthorized people to access your account and carry out fraudulent transactions.

In order to make things easier for its customers, access banks provide two options to generate tokens. What do I mean by this? Let’s branch at various types of token

Types of Access Bank Token

Like i said earlier, there are two types of tokens available:

1. Hard Token: This involves a physical device that generates a token whenever you need it. With this device, you can always produce tokens on demand. You can get this device from any access bank branch near you.
2. Soft token: The Access Bank Soft Token is a mobile app feature that generates secure one-time passwords (OTPs) for authorizing online transactions. It provides an added layer of security by producing unique, time-sensitive codes directly on your smartphone as SMS or email.

Requirements to Activate Access Bank Token

If you want to activate your access bank token, you must have the following requirement ready:

1. You must have an active account with Access Bank
2. A mobile phone number and an active email address linked to your Access Bank account
3. A valid identity card like driver’s license, NIN Card
4. A sum of N1,500 activation fee

Let’s look at how to generate both hard and soft token!

How to Generate Access Bank Soft Token 

To use the soft token option:

1. Download and install “Entrust OTP” from your Play store on android or Apple store on IOS device
2. Register and follow on-screen procedure to start using the service

Now moving on to how to generate hard tokens!

How to Generate Access Bank Hard Token

To use the hard token option: 

1. Go to the any Access bank branch with the requirements mentioned earlier
2. Request for “Token Form” from the customer support counter
3. Fill the form correctly and submit with the required information
4. After necessary review, you will  be notify once your account has been activated
5. A total sum of N1,500 will be deducted as activation fee.

Now you can keep your account safer with your token. 

You might also like: Access Bank Cardless Withdrawal

FAQs on Access bank token

How do I get my Access Bank token?

Access bank token is provided upon request at a branch or through your Relationship Officer.

How can I get Access Bank token form?

The Access bank token application form is available at the Access bank branch via the customer service counter.

How do I create a code for Access Bank?

You can create a security code using the Menu option. Dial *901*AMOUNT*NUBAN Account Number# (e.g *901*1000*1234512345#) from your phone. Authenticate using a four (4) digit security code. You can create a security code using the Menu option.

What is Access Bank USSD?

*901# is the USSD banking solution that gives you access to  Access bank services with only your mobile phone.

Summary

Access Bank offers extra security for online banking with its Token Code system. The Access Token can be either a physical device (Hard Token) or a mobile app feature (Soft Token). It generates one-time passwords (OTPs) for transactions like money transfers. These passwords change every time and only work for a short period, making your account more secure. To activate a token, you need an Access Bank account, a linked phone number and email, a valid ID, and N1,500 for the activation fee.

To get a Hard Token, go to an Access Bank branch, fill out a Token Form, and pay the fee. For a Soft Token, download the “Entrust OTP” app from your phone’s app store and follow the setup steps. Both options help protect your account from unauthorized access and fraud.

If you have any question or complaints, please contact access bank customer support team