A stochastic multi-user multi-armed bandit framework is used to develop algorithms for uncoordinated spectrum access. In contrast to prior work, the number of users is assumed to be unknown to each user and can possibly exceed the number of channels. Also, in contrast to prior work, it is assumed that rewards can be non-zero even under collisions. The proposed algorithm consists of an estimation phase and an allocation phase. It is shown that if every user adopts the algorithm, the system wide regret is constant with time with high probability. The regret guarantees hold for any number of users and channels, i.e., even when the number of users is less than the number of channels. The algorithm is extended to the dynamic case where the number of users in the system evolves over time and our algorithm leads to sub-linear regret.