How To Pay For Electricity Bills From Access Bank

Last Updated on December 16, 2025 by admin

Waiting in a long queue just to pay light bill can be stressful. Many Nigerians now want a simple, safe way to pay electricity bills from Access Bank, whether prepaid or postpaid, without leaving home.

If you use PHCN or any DISCO, you can pay from your phone or computer in a few minutes. Access Bank gives you different options, like USSD, the AccessMore mobile app, Internet banking, and even ATM.

Paying electricity bills can often be a daunting task, but with Access Bank’s convenient services it is now any easy steps to carry out, the process becomes simple and efficient.

This guide walks you through everything step by step. You will see how to buy tokens for prepaid meters, pay postpaid bills, avoid errors, and get instant confirmation. Once you understand it, paying your light bill becomes as easy as buying airtime

Read: How to Open Access bank Account without stress

Table of Contents

What You Need Before Paying Electricity Bills From Access Bank

Before you start pressing your phone, it helps to get a few things ready. This saves time and reduces mistakes.

Here is what you should have in place:

An Access Bank account with enough money for the bill
Your meter number (for prepaid) or account number (for postpaid)
Knowledge of whether your meter is prepaid or postpaid
A phone with network for USSD or the AccessMore app
The phone number linked to your Access Bank account

You do not need a smartphone to pay. The *901# USSD code works on any phone, as long as it can make calls and send USSD requests.

If you prefer the AccessMore app or Internet banking, you need a phone with data or a computer with internet. You also need to register for these channels first, so your login, PIN, or token is ready.

Once you have your meter details, a funded Access Bank account, and a working phone, you are ready to pay your electricity bill in a few simple steps.

Read: Access bank ussd code for all Transaction

Check If Your Electricity Meter Is Prepaid Or Postpaid

Many people are not sure if they use prepaid or postpaid, yet it matters a lot when paying from Access Bank.

Prepaid: You buy a token first, then load it on your meter before you use power.
Postpaid: You use electricity first, then pay the bill at the end of the month or when the bill comes.

To know which one you use:

Look at your meter. Prepaid meters usually have a keypad where you enter tokens.
Check an old bill. It will often say “prepaid” or “postpaid” or show units and previous payments.

Access Bank channels will ask you to pick prepaid or postpaid. If you choose the wrong one, the payment may fail or go to the wrong place, so take a few seconds to confirm.

Have Your Meter Number And DISCO Details Ready

Your meter number is like your house’s identity for the DISCO. If you enter it wrongly, someone else may enjoy your money.

You can find your meter number:

Printed on the physical meter, usually on a label or small plate card
On old PHCN or DISCO bills
In SMS or email messages from your DISCO

Common Nigerian DISCOs you will see inside Access Bank channels include:

Ikeja Electric
Eko Electricity
Abuja Disco (AEDC)
Kaduna Electric
Enugu Disco (EEDC)
Port Harcourt Disco (PHED)
Jos Disco (JED)
Kano Disco (KEDCO)
Ibadan Disco (IBEDC)

When paying, always:

Choose the correct DISCO
Pick prepaid or postpaid based on your meter type
Double check the meter or account number before you press “OK” or “Confirm”

A simple double check can save you from long calls to customer care later.

Read: How to generate and get Access Bank Token

Best Ways To Pay Electricity Bills From Access Bank Step By Step

Access Bank gives you several ways to pay. You can pick the one that fits you best.

How To Pay Electricity Bills With Access Bank USSD Code *901#

USSD is one of the fastest ways to pay light bills. It works on any phone and does not need data.

Follow these steps:

Dial *901# on the phone number linked to your Access Bank account.
From the menu, select “Bill Payments” or “Other Services” then “Electricity” or “Power” (exact names can differ).
Choose your DISCO, for example Ikeja Electric or PHED.
Select Prepaid or Postpaid.
Enter your meter number (for prepaid) or account number (for postpaid).
Enter the amount you want to pay.
The system will show a summary. Confirm the DISCO, meter number, and amount.
Enter your USSD PIN to complete the payment.

For prepaid:

Your token will usually appear on the screen and also be sent by SMS.
Write the token down and load it on your meter using the keypad.

For postpaid:

You will get an SMS alert showing that your bill payment is successful.

If your USSD session times out, do not panic. Wait for SMS alerts or check your account balance. If money was not deducted, start the process again and complete it more quickly.

Read: How to register for Access bank internet banking and mobile App

How To Pay Electricity Bills Using AccessMore Mobile App

If you use a smartphone, the AccessMore app gives you a clean and clear way to pay.

Here is how to use it:

Open the AccessMore app and log in with your PIN, password, or fingerprint.
Go to the “Bills”, “Payments”, or “Utilities” section.
Tap “Electricity”.
Select your DISCO from the list.
Choose Prepaid or Postpaid.
Enter your meter number or account number.
Enter the amount to pay.
The app may display the customer name tied to that meter or account. Confirm it is your name or the right person’s name.
Confirm the details and approve the transaction with your PIN or biometrics.

For prepaid users:

The token will show on the final confirmation screen.
It may also come by SMS or email.
Take a screenshot of the token and save it.

For postpaid users:

You will see a payment status and a digital receipt.
You can also view this later in your transaction history.

How To Pay Electricity Bills With Access Bank Internet Banking

Internet banking works well if you are paying from a laptop or office computer and want a printed receipt.

Steps to follow:

Visit the Access Bank Internet banking website on your browser and log in.
Go to “Bill Payments”, “Payments”, or “Utilities”.
Select “Electricity” or “Power”.
Choose your DISCO from the list.
Pick Prepaid or Postpaid.
Enter your meter or account number.
Enter the amount you want to pay.
Confirm the details, then approve the payment with your OTP, soft token, or hardware token.

After payment:

You can download or print the receipt.
Payment history is usually stored, so you can return later to see old transactions.

This option is great for landlords, businesses, or anyone who needs proper records for audit or proof.

Paying Electricity Bills At An Access Bank ATM

Some Access Bank ATMs allow you to pay electricity bills straight from the machine.

Basic steps:

Insert your Access Bank ATM card into the machine.
Enter your PIN.
From the menu, select “Pay Bills” or a similar option like “QuickTeller” if available.
Choose “Electricity”.
Select your DISCO.
Enter your meter number or account number and the amount.
Confirm the details and complete the payment.

The ATM will print a receipt. Keep it safe in case you need proof later.

Not every ATM has bill payment functions, so USSD or the AccessMore app is often easier and more reliable.

Read: How to Block Access Bank Account/ATM Card

What To Do If Your Token Or Payment Confirmation Does Not Arrive

Sometimes systems are slow, especially in the evening or during network issues. If you pay and do not see your token or receipt:

Wait a few minutes and check your SMS and email.
Check your transaction history on USSD, the AccessMore app, or Internet banking. See if the payment shows as successful, pending, or failed.
If money is deducted but no token appears, take a screenshot of the transaction and keep any SMS alerts.
Contact Access Bank customer care through:
- The phone line on their website
- In-app chat on AccessMore
- Email or social media channels
- Any Access Bank branch
Also contact your DISCO with your meter number, amount paid, date, and transaction reference.

Most times, if the payment is successful on the bank side, the DISCO can help retrieve or resend your token.

Stay Safe When Paying Electricity Bills Online

Security should always come first when you use digital banking.

Simple safety tips:

Never share your PIN, OTP, or full card details with anyone.
Only dial the official *901# USSD code. Do not use strange codes sent in random messages.
Use only the official AccessMore app from your phone’s app store.
Log out of Internet banking when you finish.
Avoid public Wi-Fi for payments that need passwords or card details.
Ignore and report fake calls or messages that ask for your bank details.

A little care keeps your money and account safe while you enjoy easy bill payments.

Conclusion

Paying electricity bills from Access Bank is simple once you know the steps. With your meter number, the right DISCO, and an active Access Bank account, you can pay through USSD, the AccessMore app, Internet banking, or even an ATM.

You avoid queues, pay at any time, and get instant tokens or receipts. After you do it once or twice, it feels natural, just like buying airtime.

Next time your PHCN or DISCO bill is due, pick the method that suits you best and try it. With a few taps on your phone, you can keep the lights on without leaving your home.

Author
Recent Posts

'Follow me'

admin

I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences