Your Bank Verification Number (BVN) is an 11-digit unique ID used across all Nigerian banks for KYC and security. This guide shows how to enroll, retrieve a forgotten BVN, link it to accounts, update details, and avoid scams.
First-time Enrollment
Retrieve Forgotten BVN
Link BVN to Bank
Update BVN Details
Troubleshooting
Security Tips
Important: Never post or send your BVN and OTP to anyone. Only use official bank channels.
What is BVN and why do I need it?
- BVN uniquely identifies you across banks, helping to prevent fraud.
- Required for opening accounts, loans, e-channels, investments, and KYC updates.
- One BVN works for all your bank accounts (don’t enroll twice).
| Use Case | Where |
|---|---|
| Open/upgrade bank account | Any Nigerian bank |
| Loan, cards, e-channels | Banks & fintechs |
| KYC audits & compliance | Banks, capital markets |
First-time Enrollment (Free at Your Bank)
- Visit any commercial bank branch and request BVN enrollment.
- Go with a valid ID (e.g., NIN slip/Int’l Passport/Driver’s Licence) and an active mobile number.
- Your biometrics (fingerprints & face) will be captured.
- You’ll receive your 11-digit BVN via SMS/email once processed. Ask the bank to print an acknowledgement if needed.
- Keep it private and store it securely.
Already enrolled at another bank? Do not enroll again. Retrieve and link the same BVN.
Retrieve a Forgotten BVN
Option A: USSD (works on most networks)
- Dial *565*0# on the phone number registered to your BVN.
- Follow the prompt to display your BVN (a small network fee applies).
- Screenshot or copy it; keep it private.
Option B: Mobile/Internet Banking
- Many bank apps show BVN under Profile or Settings › Personal Information.
Option C: At the Branch
- Visit your bank with a valid ID and the phone/email used during enrollment; they can retrieve it for you.
USSD must be dialed from the same phone number you used for BVN enrollment.
Link Your BVN to a New Bank Account
- Provide your BVN during account opening, or open a basic account then navigate to Link BVN in the app/internet banking.
- Some banks support USSD BVN linking (check your bank’s official code).
- The bank may verify your name, date of birth, and phone email; you may receive an OTP.
- After linking, confirm the status in-app or via customer care.
If your details differ across banks (name order, DOB), ask the bank to update records before linking.
Update BVN Details (Name, Phone, Email, DOB)
- Go to your enrollment bank (the bank where you first registered BVN).
- Take supporting documents: ID, change-of-name affidavit/marriage certificate (if applicable), proof of phone/email ownership.
- Request a BVN biodata update. Processing may take some time; ask for a reference.
- After update, re-link to other banks if necessary so they pull the latest data.
Troubleshooting & Common Errors
BVN not found during linking
- Confirm you typed the 11 digits correctly.
- Ensure the phone number and biodata match your BVN record.
- If enrolled recently, wait for synchronization or ask the bank to escalate.
USSD (*565*0#) says no record
- Dial from the number used at enrollment (SIM swap may require an update at the bank).
- Try again later; network issues happen. If persistent, visit your bank with ID.
Wrong name/DOB on BVN
- Request a BVN biodata correction at the enrollment bank with valid documents.
Never pay third parties to “fix” BVN. Only your bank can update BVN records.
Security & Privacy
- BVN is sensitive—do not share it on social media or with unverified persons.
- Banks will never ask for your full BVN + full card/PIN + OTP together.
- Use only official bank apps, USSD codes, and contact centers.
- If you suspect compromise, contact your bank immediately and change login details.
Quick FAQs
Is BVN the same as NIN?
No. BVN is for banking; NIN is the national identity number. Some banks map both for KYC, but they are different identifiers.
Can I have more than one BVN?
No. You should have only one BVN. Use the same BVN across all banks.
