Access Bank XclusivePlus is a paid lifestyle and premium banking “club” that gives subscribers special privileges, luxury benefits, and priority banking services on top of a normal account.

What is Access Bank XclusivePlus?

XclusivePlus is a lifestyle and affluent-banking proposition from Access Bank designed for customers who want preferential treatment, travel perks, and VIP-style benefits, not just regular banking.

It is not a separate bank account type on its own; instead, you subscribe to XclusivePlus and link it to your existing individual current or savings account, then pay a subscription fee to unlock the benefits.

In other words, think of it like a premium membership layered on top of your normal Access Bank account, with lifestyle, travel, and status benefits attached.

Key Benefits and Features

Here’s the “quick scoop” version of what you typically get as an XclusivePlus subscriber:

  1. Premium card upgrade
    • Automatic upgrade to a Visa Signature debit card (a higher-tier card) once you subscribe.
 * Card supports both local and international spending, with additional global benefits attached.
  1. Airport lounge access
    • Free access to hundreds of premium airport lounges worldwide (often quoted as 800+ lounges).
 * Access to additional exclusive lounges within Nigeria, including some in branches and at airports.
  1. Travel and medical protection
    • Free multi-trip or multi-travel insurance when you travel.
 * Medical emergency cover for you and your family while you’re abroad.
  1. Lifestyle & entertainment perks
    • Free tickets to movies, shows, concerts, and other premium events from time to time.
 * Access to art exhibitions, special experiences, and curated events.
  1. Luxury hotels, dining, and concierge
    • Discounts and VIP treatment at luxury hotels and restaurants, sometimes with access to over 900 luxury hotels globally at special rates.
 * 24‑hour global concierge service to help with reservations, travel arrangements, and lifestyle requests.
  1. Priority banking experience
    • Fast‑tracked services in Access Bank branches, reducing time spent in queues.
 * A more “white-glove” customer service experience and closer relationship management, consistent with an affluent-banking proposition.
  1. Subscription model and discounts
    • You pay a periodic subscription fee (monthly or annually) linked to your chosen account.
 * Paying upfront for a full year can attract a discount (often cited as around 20% off the total subscription).

How It Works in Practice

  • You must have an individual current or savings account with Access Bank, then subscribe to XclusivePlus on that account.
  • Previously, it was aimed at customers with high balances (e.g., around one million naira), but Access Bank later opened XclusivePlus to a wider range of customers as long as they pay the subscription fee.
  • Once subscribed, your benefits apply as long as your subscription remains active and the fees are paid.

A simple way to imagine it: you’re joining an exclusive lifestyle club where your bank card becomes your membership pass for lounges, events, and travel/luxury privileges.

Why It’s a “Trending Topic” Now

XclusivePlus has been featured in lifestyle campaigns, testimonial videos, and summer/holiday promos focused on “simplifying luxury” for Access Bank customers.

It has also won industry recognition, such as being awarded “Best Affluent Banking Initiative in West Africa” in 2019, which helped raise its profile.

Various Nigerian and African business and lifestyle outlets have covered it, especially when Access Bank pushes new campaigns or seasonal offers.

Short TL;DR

  • XclusivePlus is a premium lifestyle and banking package from Access Bank, added on top of your normal account via a subscription.
  • It focuses on luxury and convenience : airport lounges, Visa Signature card, travel insurance, medical cover abroad, entertainment tickets, hotel/restaurant discounts, concierge, and priority banking service.
  • You pay a recurring fee (with possible annual discounts) to stay subscribed and keep enjoying the benefits.

Information gathered from public forums or data available on the internet and portrayed here.