Access More by Access Bank — Full Review (2025)
What is Access More?
Access More (by Access Bank PLC) is a mobile-first banking app that positions itself as an all-in-one lifestyle and finance platform. Beyond standard banking tasks like transfers and airtime top-up, the app offers onboarding, investments, short-term loans, card controls, QR payments, and even non-banking features such as visa application assistance and entertainment booking.
Key Features & Highlights
| Feature | Description |
|---|---|
| Quick Account Opening | Onboard new users directly from the app. |
| Customizable Dashboard | Personalized themes, favorites and shortcuts for faster access. |
| QR Payments | Scan and generate QR codes for quick transfers and payments. |
| Transfers & FX | Intra-bank and inter-bank transfers; some foreign currency tools available. |
| Bills & Airtime | Utility payments, airtime top-up, card request/blocking. |
| Investments & Loans | Access to in-app investment products and short-term loans (PayDay options). |
| Lifestyle Services | Visa application support and movie ticketing integrated in the app. |
Source: Google Play listing for Access More (Access Bank).
Pros & Cons
What we like
- Comprehensive feature set — banking, investments, loans and lifestyle features in one app.
- High rating and wide adoption — strong user base and frequent updates.
- Customizable UX with favorites and themes improves user engagement.
- Convenient onboarding — account opening from the app.
What could be better
- Occasional transfer or transaction errors reported by users (confusion whether transactions completed).
- Issues reported deleting stored accounts or certain profile operations.
- Some biometric login problems reported (fingerprint reliability); limited biometric alternatives for some devices.
- Support / "report an issue" flow can be inconsistent in responsiveness.
Data Safety & Privacy
According to the app listing, Access More collects personal information and may access device identifiers and location data. Users should review the app's privacy policy before granting permissions. The app encrypts data in transit; however, always confirm data-deletion and sharing policies directly with the developer.
Performance & User Experience
Overall the app is built to be responsive and feature-rich. The customizable dashboard and quick access shortcuts make daily tasks easier. That said, user experience suffers when critical operations (like transfers) face errors. For users who value absolute transaction stability above all else, a leaner banking app might be preferable. For power users who want everything in one place, Access More is an attractive option.
Who Should Use Access More?
- Access Bank customers who want a single app for banking and lifestyle services.
- New users who prefer opening accounts and performing KYC through a mobile app.
- Power users who want investments, loans, card controls, and bookings bundled in one place.
- Cautious transfer users — consider testing small transfers first to confirm behavior and support responsiveness.
Final Verdict & Rating
Verdict: Access More is a bold, well-adopted mobile banking app that expands beyond traditional banking into lifestyle services and in-app financial products. Frequent updates and a high play-store rating reflect a positive reception. However, reported transfer errors and support responsiveness are important caveats to consider.
Recommended rating (editor):
Quick FAQ
- Is Access More free to download?
- Yes — the app is free to download on Google Play, but standard bank fees may apply for some services.
- Can I open an Access Bank account within the app?
- Yes — the app supports in-app onboarding and account opening.
- What should I do if a transfer shows an error?
- Check your transaction history and bank statement first (small test transfers are good for verification). If uncertain, contact Access Bank support and keep transaction references handy.
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