How to Upgrade Access Bank Account easily (Online & Offline)

Access Bank is a leading full-service commercial bank operating in 17 countries across three continents: Africa, Europe, and Asia. With over 700 branches and service outlets serving more than 52 million customers, it has become a major player in the African financial landscape.

Founded in Nigeria in 1989, Access Bank has grown from a small, regional bank to a multinational financial institution. It has achieved this through a combination of organic growth, strategic acquisitions, and a focus on innovation and customer service.

Services Offered:

  • Personal Banking: Saving and current accounts, loans, cards, investments, wealth management, insurance, and more.
  • Business Banking: Loans, overdrafts, cash management, trade finance, payroll services, and more.
  • Corporate Banking: Debt financing, mergers & acquisitions, trade finance, project finance, treasury services, and more.
  • Investment Banking: Capital raising, mergers & acquisitions, and advisory services.
  • Digital Banking: Mobile banking app, internet banking platform, and other digital solutions.

Access Bank is a reliable and convenient financial institution that offers a wide range of products and services to meet the needs of individuals and businesses alike.

However, if yo are wondering how to upgrade access bank account easily (online & offline), this blog post will show you everything.

How to Upgrade Access bank Account easily (Online & Offline)

Here is how to upgrade access bank account easily (online & offline):

How to Upgrade Access bank Account easily Online 

Upgrading your Access Bank account is a breeze, requiring nothing more than your smartphone, the Access More app, and a reliable internet connection. Here's how you can do it step-by-step:

  • Launch the Access More App: Ensure you have the latest version of the Access More app installed on your smartphone. Open the app and log in using your credentials.
  • Go  to Profile: On the bottom navigation bar of the app, you'll see several options. Locate and tap on the "Profile" icon.
  • Access Transaction Limits: Scroll down the Profile page until you find the "Transaction Limits" option. Tap on it to proceed.
  • Initiate Upgrade: A message will pop up inquiring if you desire higher transaction limits. Tap on the "Upgrade Now" button to confirm.
  • Choose Your Package: A carousel will appear showcasing various upgrade packages with different transaction limit options. Carefully select the package that best suits your needs.
  • Confirm and Upgrade: Tap on the "Upgrade" button located beneath your chosen package.
  • Review Terms and Conditions: Before finalizing the upgrade, thoroughly read through the displayed Terms and Conditions. Once you understand and agree, tap on the "I Agree" button.
  • Account Upgrade Completion: Your account will be automatically upgraded to the selected package, granting you access to your new transaction limits.

How to Upgrade Access bank Account easily Offline

Upgrading your Access Bank account offline is a straightforward process. Here's a step-by-step guide to help you through it:

  • Visit the Nearest Access Bank Branch: No matter if you opened your account online or via USSD, the first step is to visit the nearest Access Bank branch. You can find the branch location nearest to you using the bank's website or mobile app.
  • Request the Upgrade Form: Once you're at the branch, approach a customer service representative and express your desire to upgrade your account. They will then provide you with the Access Bank Savings Account Upgrade Form.
  • Fill Out the Form: Take your time to accurately fill out the form. Ensure all the information you provide is correct, including your full name, account number, phone number, email address, and identification number.
  • Review Your Information: Before submitting the form, carefully review all the details you've provided to ensure they are accurate and complete. Double-check for any typos or missing information.
  • Submit the Form: Hand over the completed form to the bank representative, along with any additional documents they may require for verification. This could include your ID card, BVN slip, or proof of address.
  • Once you've submitted your application, Access Bank will begin the assessment and review process. This is to verify the accuracy of the information you provided and ensure you meet the eligibility requirements for the upgraded account.
  • Upon successful review and approval, your savings account will be officially upgraded. You will receive a notification from the bank confirming the upgrade and informing you about any new features or benefits available to you.

Requirements to upgrade Access bank account easily (Online & Offline)

  • Access More App: Must be installed and updated to the latest version.
  • Stable Internet Connection: A strong and reliable internet connection is essential for a smooth online upgrade process.
  • Access Bank Account Login Credentials: You will need your username and password to log in to the Access More app.
  • Valid BVN (Bank Verification Number): Your BVN is required for identification and verification purposes.
  • Phone Number Linked to Account: Ensure the phone number linked to your Access Bank account is active and readily accessible.
  • Email Address Linked to Account: Access Bank may use your email address to send you notifications and updates regarding your upgrade.
  • Valid Government-Issued ID: This can be your passport, driver's license, national ID card, or any other government-issued identification document.
  • Access Bank Account Number: You will need to provide your account number for identification and verification.
  • Completed Access Bank Account Upgrade Form: You can obtain this form from any Access Bank branch.
  • Additional Documents: In some cases, the bank may request additional documentation depending on your chosen upgrade package or individual circumstances. This could include proof of address, income documents, or reference letters.


How long does it take to upgrade my account?

Online upgrades are typically processed within minutes. Offline upgrades may take longer, depending on the availability of bank representatives and the processing time required for any additional documentation.

What if I lose my phone or change my phone number after upgrading my account online?

Contact Access Bank customer service immediately to update your contact information. They will guide you through the necessary steps to ensure secure access to your upgraded account.

What happens to my existing account details after upgrading?

Your account number and other essential details will remain the same. You will receive new access credentials for your upgraded account, such as a new debit card and PIN.


Upgrading your Access Bank account is a wise decision for accessing improved features, higher transaction limits, and exclusive benefits designed to meet your financial requirements. By adhering to the provided steps and ensuring you have the required documents, you can smoothly upgrade your account through online or offline channels.

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