Why is my Access bank account restricted? (What to do?)

Read all about why your Access bank account is restricted.

There are so many reasons why your access bank account may have been restricted, and in this post, I am going to be writing on it.

When your bank account is restricted, you will not be able make withdrawals or perform transactions from your bank account.

This doesn’t mean that your money is gone, all it means is that you will need to resolve whatever issues you may have with the bank, so you can have full access to your money.

In this post, I am going to be writing on the topics “Why is my Access bank account restricted?” and also going to be showing you how to un-restrict your Access bank account.

Leave us a comment after you have finished reading this post, and also you can share with others who require such information.

Read my post on Access bank cardless withdrawal

Why is my Access bank account restricted?

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

Fraudulent transactions

Your Access bank account may have been restricted because it was involved in some fraudulent transactions. Once the bank flags your bank account for fraud, it is usually within their rights to restrict it.

All you will need to do is visit the bank and prove that there was nothing fraudulent about your transactions and your account will be unrestricted.

Update/upgrade reasons

Your bank account may have also been restricted because it requires an upgrade. An upgrade in the sense that, you will need to provide a few documents so your bank account can be upgraded.

This upgrade might be because you have surpassed the limit that your bank account can hold. This is very much common with student accounts.

Once you provide the required documents, your bank account will be unrestricted.

Liquidation

If your bank account tis being liquidated i.e. if you are removing all the money from your account, the it might get restricted.

This is usually done to prevent fraud on your account, in case you are not the one withdrawing all the money out of your account. In this case, you will not lose all the money in your account.

Once you let the bank know that you are the one initiating the transactions, then your bank account will be unrestricted.

Dormant account

If you have left your account dormant for too long, it may be restricted. By dormant, I mean leaving your account idle for a period of 6 months or more, without performing any transaction from it.

Most banks will restrict your bank account if they discover that it has been inactive for a period of 6 months or more.

How to unrestrict Access bank account?

Read my post on how to check access bank account balance

You can unrestrict your Access bank account via any of the following methods:

USSD

You can use the Access bank USSD 901 to complete a transaction i.e. if your bank account was restricted for being dormant for a period of time. Once you perform a simple transaction like buying airtime, your account will be unrestricted.

Visit the nearest Access bank branch

Another way to unrestrict your account is to visit the nearest access bank branch and walk straight to the customer service desk and make a complaint.

They will assist you in what to do in order to unrestrict your access bank account.

Contact customer care

You can contact the Access bank customer care and request for your account to be unrestricted. If it is a minor issue, then they will do so, otherwise you might need to visit the nearest Access bank branch to get it done.

Summary

I hope that I have been able to help you on why your access bank account was restricted. If you need further help, then you can leave us a comment or send us an email, and we will get back to you.

Conclusion

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