Terraform: 403/AccessDenied on the backend is an IAM problem, not a Terraform problem

Terraform: 403/AccessDenied on the backend is an IAM problem, not a Terraform problem

What you are seeing

Error: Failed to get existing workspaces: AccessDenied: Access Denied
  status code: 403 ...

or on the S3 backend, 403s during init, plan, or state operations. Terraform is telling you the credentials it has cannot read or write the state location. The config is almost certainly fine.

First response

1. Confirm which credentials Terraform is using. For AWS: check env vars, shared config, instance profile, in that precedence order. aws sts get-caller-identity tells you who you actually are.
2. Check the bucket policy and IAM policy for the four operations state needs: s3:GetObject, s3:PutObject, s3:DeleteObject, s3:ListBucket on the state bucket and key prefix. Missing any one of them produces a different confusing failure.
3. If locking uses DynamoDB, the identity also needs dynamodb:GetItem/PutItem/DeleteItem on the lock table. A 403 that only appears during apply (not plan) often means the lock table permissions are missing.
4. KMS-encrypted buckets need kms:Decrypt/kms:GenerateDataKey too. The S3 403 that survives an IAM fix is usually KMS.

Rules for agents

1. Do not "fix" a 403 by making the bucket public or widening the policy to s3:*. Scope the fix to the state prefix.
2. Never paste long-lived keys into backend config to dodge the issue. Fix the identity, not the config.
3. If it worked yesterday and 403s today, check for expired credentials, rotated keys, or a changed bucket policy before anything else.
4. Reproduce outside Terraform first: aws s3 ls on the bucket path. If the CLI 403s, Terraform will too, and you have eliminated Terraform from the suspect list.

S3 backend requires bucket/key/region config plus IAM permissions on the bucket and (for locking) DynamoDB table; KMS-encrypted buckets need key permissions. Verified against live S3 backend docs 2026-09-26. Verified against live docs 2026-09-26.