Claim: An X user claims that Access Bank is giving free funding for IVF and fibroid surgery.
Verdict: Misleading. While Access Bank offers financing for such medical procedures, the support is primarily provided as a repayable loan, not free financial assistance.
Full Text
Uterine fibroids are among the most common reproductive health conditions affecting women globally.
According to estimates from the National Library of Medicine, up to 70–80% of women may develop fibroids by the age of 50.
Many of these cases require medical management or surgical procedures such as fibroid removal, which can be costly and difficult to access for low-income patients.
Against this backdrop, an X user @djspeakz_ent made a post claiming (archived here) that individuals who cannot afford In Vitro Fertilisation (IVF) or fibroid surgery can simply walk into any Access Bank branch with a hospital letter and invoice to receive financial support.
The post reads, “If you want to do IVF or you want to remove a fibroid, but you don’t have money. Just go to the nearest Access Bank in your area and reach the customer service. All you need is just a letter from the Hospital and the invoice from the hospital.”
The user also urged followers to retweet for the information to reach a wider audience.
As of May. 18, 2026, the post had generated over 582,000 views, 15,000 likes, 13,000 reposts, and more than 130 comments, attracting mixed reactions from users.
Some users questioned the accuracy of the claim. An X user, @ChineduOgbunyiba, noted that the scheme is actually a loan product and not free funding.
“Are there limits to farming engagement? This is a loan product by Access Bank that has its own TC and processes,” the user wrote.
Another user, @Hairygoddess, also criticised the post for leaving out important details.
“Stop giving half baked information,” the user commented.
Meanwhile, some users sought clarification about the programme. A user identified as @sugarrgirl asked whether the offer was available nationwide and requested more details about how it works.
Others appeared hopeful that the claim was true. One user, @just_damiii, wrote:
“Is this true? My mom has fibroids, and we are trying to get a surgery for her.”
The post has continued to circulate widely, with many users interpreting it as free financial assistance from the bank for IVF and fibroid procedures.
Because of the claim’s potential to mislead the public, DUBAWA decided to fact-check it.
Verification
DUBAWA found that Access Bank offers a medical financing programme through its Maternal Health Service Support (MHSS) platform. MHSS provides eligible customers with financial assistance to access healthcare services, including treatments such as IVF and fibroid surgery.
Information from the bank shows that the initiative is a loan facility with subsidised interest rates and flexible repayment plans, not a grant or free funding.
The bank states that applicants are required to complete a loan application form and meet several conditions before approval.
These conditions include salary domiciliation, credit checks, valid means of identification, hospital invoices, referral letters, and other supporting documents.
We also found that MHSS is hosted by the W Initiative.
Further findings show that the programme can provide up to ₦10 million for medical procedures, and funds may be disbursed within 24 hours once the required documents are submitted and verified.
Daily Trust in 2023 reported that Access Bank, through the W initiative, was providing support for fertility treatments, fibroid surgeries, surrogacy, and other specialised healthcare services.
However, nowhere on the bank’s official platforms was the initiative described as providing free money or a grant, as the viral claim suggested. This fund is a loan, and some Terms and conditions apply to beneficiaries of the programme.
To verify the claim further, DUBAWA visited a branch of Access Bank located at Gudu Market and spoke with a customer service representative, Ogechukwu Osuji.
Ogechukwu said the programme was free and still ongoing. She explained that the initiative has been in existence for some time and remains available to eligible customers.
According to her, applicants are required to register their salary account with the bank because the account would serve as the domicile account for loan repayment.
“The programme has been on for a while, and it is still ongoing. To start, you would have to register your salary account with the bank because it will serve as the domicile account that would be used for repayment when the loan is given,” she told DUBAWA.
She also clarified that the support is not free financial assistance, adding that the bank only provides flexible repayment plans with discounted interest rates for qualified applicants.
Conclusion
Although Access Bank provides a medical financing scheme that helps eligible customers access costly treatments such as IVF and fibroid surgery, it is a loan, not free financial assistance.
The viral claim misrepresents the nature of the programme by omitting key details about its loan structure and repayment conditions. The claim is therefore misleading.