ABSA Ghana USSD Code : (*895# Explained)

Absa customers in Ghana can bank without data, without Wi-Fi and without a smartphone. One short code does it: *895#. It opens a text menu on your screen where you send cash, top up airtime and handle everyday banking by replying with numbers.

This guide explains what the code does, walks you through the main menu options step by step, and shows you how to keep your account safe.

*895#
Absa Ghana USSD code · no data needed · works on any phone

What Is the Absa Ghana USSD Code?

USSD is a menu service that runs through your mobile network instead of the internet. When you dial *895#, the bank answers with a menu, you reply with a number, and the next screen appears. Nothing needs installing, so it works on the simplest handset. It is also a handy backup when your data runs out or the signal is weak. Access is protected by your mobile banking PIN.

What You Can Do on *895#

  • Send cash to anyone with CashSend, even a person without a bank account
  • Top up airtime for your own number or for someone else
  • Choose the account you want to debit for each transaction
  • Save beneficiaries so repeat transactions take fewer taps

Menu labels can change when the bank updates the service, so follow the wording on your screen if it differs from this guide.

How to Send Cash with CashSend

1
Dial the code
Dial *895# and press call.
2
Choose CashSend
Select the Cardless Withdrawal (CashSend) option from the menu.
3
Enter the recipient
Type the recipient’s mobile number. It is required, so check every digit.
4
Enter the amount
Use an amount in multiples of 10, up to GHS 1,500 per transaction.
5
Pick your account
Select the account you want to debit.
6
Set a transaction PIN
Create a 4-digit PIN for this transfer and confirm it.
7
Confirm
Confirm the details. The recipient receives an SMS with the voucher details.

Send the transaction PIN to the recipient in a separate message from the voucher SMS. That way no single message gives anyone full access to the cash.

How to Buy Airtime

1
Sign in
Dial *895# and enter your mobile banking PIN.
2
Open airtime
Select option 2, Airtime Top up.
3
Choose the network
Select the mobile network of the number you are topping up.
4
Pick the number
Choose your own number, or select other number and then once-off if the number is not saved.
5
Enter the details
Type the mobile number and the amount.
6
Pay
Select the account to debit and confirm.

Keep Your Account Safe

  • Never share your PIN with anyone, including callers who say they work for the bank
  • Dial the code yourself instead of following instructions sent by message
  • Check the number and the amount on the confirmation screen before you accept
  • Contact Absa at once if your phone or SIM card is lost

Contact Absa Ghana

Call +233 (30) 242 9150 (network charges apply) or 0800 222 333. You can also message Abby on WhatsApp at +233 501 644 644 or write to [email protected].

Frequently Asked Questions

What is the Absa Ghana USSD code?
The code is *895#. Dial it from any phone on your network and the menu opens.
Do I need internet to use it?
No. It runs on the mobile network, so you only need signal.
Can someone without a bank account receive CashSend?
Yes. They use the voucher details from the SMS together with the PIN you send them.
Can I use it on a basic phone?
Yes. Any phone that can dial a USSD code can open the menu.

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