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AccessMore review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AccessMore suits savers in Nigeria who want a strong variable rate and free access to cash without paying anything each month. The headline rate of 7.95% sits well above the site median of 3%, and the account carries a monthly fee of NGN 0.

Key facts

Best for
Nigerian savers who want a high variable rate with no monthly fee and easy access to cash.
Headline rate
7.95%↗
Rate type
Variable↗
Minimum deposit
NGN 1,000↗
Access terms
Access to cash anytime, anywhere with debit cards on ATMs↗
Monthly fee
NGN 0↗
Account kind
Easy access↗
Legal entity
Access Bank PLC↗
Headquarters
Nigeria↗
Founded
1988↗
Support channels
Phone, Help-centre↗
Pricing model
No monthly fee
Official website
accessbankplc.com

Debit cards

Card type
Prepaid↗
Top-up fee
Free to load by cash or electronic funds; only a one-off card issuance fee of P58.07 for the Prepaid cash card↗
Currencies
4↗
Features
Multi-currency, Travel

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Headline rate of 7.95% compares well with a site median of 3% and beats bunq at 3.01% and Wise at 3.29%
  • Monthly fee of NGN 0 on the savings account, so holding a balance costs nothing each month
  • Access to cash whenever you want it, with debit cards usable on ATMs, according to the access terms
  • Backed by Access Bank PLC, a bank founded in 1988 and regulated by the Central Bank of Nigeria
  • Support runs on phone and help centre, so you can pick up the phone rather than rely on written replies only

Cons

  • A minimum deposit of NGN 1,000 rules out the accounts that open at a lower balance, where the site median is €0.88
  • The rate is variable, so 7.95% can move and is not locked in for a term
  • The multi-currency prepaid side is a different account from the savings account, and top-ups on it are free but there is a one-off card issuance fee
  • Access is not instant everywhere: Access to cash anytime, anywhere with debit cards on ATMs depend on debit cards working on ATMs, and the prepaid card is prepaid rather than a debit card
AccessMore

Ready to try AccessMore?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • Savers in Nigeria holding a balance above NGN 1,000 who want 7.95% paid without a notice period
  • People who want an easy-access account with a monthly fee of NGN 0 and a variable rate
  • Travellers and money movers who also want a multi-currency prepaid card for a single market

Who should look elsewhere

  • Anyone wanting a fixed rate locked for a term, since this one is variable
  • Savers who need to start below NGN 1,000, the level the site median of €0.88 makes more usual
  • Readers in the UK or Europe who want a euro or sterling account, since NG puts this bank in Nigeria

Access to your money

This is an easy-access account, which means your money is not locked away for a term. The rate you earn is variable rather than fixed, so 7.95% is what the account pays at the time rather than a figure guaranteed for a set period. That suits anyone who expects to dip in and out, and it suits anyone watching a central bank rate move and hoping the account follows. The access terms are simple to state: you get at your cash whenever you want it, with debit cards that work on ATMs. That is the practical difference between this account and a fixed or notice account, where the money is committed for a stretch of time. If you need money for something unplanned, an easy-access account with a variable rate lets you take it and put it back. Easy-access accounts make up 75.2% of the savings market, and variable rates cover 53.9% of it, so this brand sits on the mainstream side of both choices rather than at the edge.

Fees and FX

The savings account carries a monthly fee of NGN 0. In plain terms, there is no charge to keep the account open, so a balance left untouched for a month costs you nothing to maintain. The amount you need to start with is a minimum deposit of NGN 1,000. That is the one real commitment on the savings side, and it is worth checking against your own savings before applying. The median minimum deposit across savings accounts on the site is €0.88, with the lower quartile at €0, so an account that asks for a meaningful opening balance is on the firmer side of what savers meet. The bank also runs a prepaid card, which is a separate product. Loading it is free by cash or electronic funds, and the only charge named is a one-off card issuance fee for the prepaid cash card. The prepaid account is multi-currency and built around travel, holding 4 currencies on the card. Worth keeping the two products apart: the savings account earns 7.95% and costs NGN 0, while the prepaid card is a way to hold and spend money abroad.

The company behind it

AccessMore is the product name; the company behind it is Access Bank PLC, headquartered in Nigeria. The bank was founded in 1988, which puts it well past the point where a new entrant has to prove it can still be around next decade. For readers in the UK and Europe, that is the part to weigh carefully, since the account is a Nigerian one rather than a UK or euro offering. The regulatory picture is clear. The bank is supervised by the Central Bank of Nigeria. That is the body named in the licences, and it is the body to look to if a question ever arises about the account. Support runs on phone and help centre, so help is available by phone as well as through written answers. Across savings accounts, 74.4% and 79.6% are the two most common channels, and this bank offers both.

How AccessMore compares

Where AccessMore is available

Available
Nigeria
Licence in Nigeria
Central Bank of Nigeria, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the account pay, and can I rely on the rate?+

The account pays a headline rate of 7.95%, which is a strong figure against a site median of 3%. The rate is variable, so it can move in either direction rather than staying fixed for a term. You are not signing up for a locked-in rate.

What does it cost to keep the account open?+

The monthly fee is NGN 0, so there is no monthly charge on the savings account. Loading money onto the prepaid card is free by cash or electronic funds. The only charge named for the prepaid cash card is a one-off card issuance fee, which is a single cost rather than a recurring one.

How much do I need to open the account?+

You need a minimum deposit of NGN 1,000 to open the savings account. That is a meaningful starting balance compared with the site median of €0.88. If your savings sit below that level, a lower-barrier account elsewhere will fit better.

Can I get at my money when I need it?+

Yes. The access terms state you can reach your cash whenever you want it, with debit cards that work on ATMs. There is no notice period to serve on this easy-access account. Just note that access runs through card terminals and ATMs rather than anywhere in the world.

Who runs it and which regulator watches it?+

The account is run by Access Bank PLC, a bank founded in 1988 and based in Nigeria. It is supervised by the Central Bank of Nigeria. Readers in the UK and Europe should weigh that this is a Nigerian bank, not a UK or euro provider.

Is there a prepaid card as well as the savings account?+

Yes, and the two are separate products. The savings account pays 7.95% with a monthly fee of NGN 0. The prepaid card is multi-currency, holds 4 currencies and is aimed at travel, with free top-ups by cash or electronic funds and a one-off issuance fee for the cash card.

How do I get help if something goes wrong?+

Support runs on phone and help centre, meaning you can reach the bank by phone as well as through written answers. Phone and a help centre are the two most widely offered savings support channels, with 74.4% and 79.6% of the market covered. You are not limited to email or chat.

How does the rate compare with the alternatives?+

The 7.95% here is well above what the alternatives pay. Wise pays 3.29% and bunq pays 3.01%. Finteres pays a variable range topping out at 0% to 36%. The gap comes with a NGN 1,000 minimum deposit, which is the trade-off to weigh.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

AccessMore

AccessMore

Nigerian savers who want a high variable rate with no monthly fee and easy access to cash.

9.4/10See alternatives