Checking your Bank Verification Number (BVN) and obtaining your BVN details is now easier than ever before in Nigeria. In this detailed guide, I will explain step-by-step how you can check or retrieve your BVN details without having to visit a physical bank branch or spend any airtime.
What is a BVN?
A Bank Verification Number, commonly known as a BVN, is a unique number issued by the Central Bank of Nigeria (CBN) to bank customers that enables them to perform banking transactions from any location within Nigeria. The BVN is an 11-digit number linked to basic customer and account information that allows Nigerian banks to verify the identity of customers and monitor banking transactions.
Why Do I Need My BVN?
Having access to your BVN details is important for several reasons
To Access Banking Services Remotely
With your BVN, you can easily access your bank accounts, check balances, transfer funds, pay bills and complete other transactions remotely via online, mobile or ATM banking without having to visit a physical bank branch each time.
To Complete Government Transactions
Several government services and portals now require individuals to input their BVN for identity verification purposes. This includes transactions with the Federal Inland Revenue Service (FIRS), National Social Insurance Trust Fund (NSITF), and National Pension Commission (PENCOM) among others.
To Prevent Bank Account Fraud
Linking all your existing and new bank accounts to a unique BVN makes it difficult for fraudsters to open accounts or carry out transactions using stolen identities and invalid credentials.
Common Ways to Check Your BVN
Previously, the only way to check or retrieve your BVN details was by personally visiting a physical bank branch. However, thanks to the growth of fintech solutions, there are now several convenient methods to check or obtain your BVN without airtime or physically going to the bank.
How to check your BVN Via Your Bank’s Mobile App
Most Nigerian bank mobile apps now allow enrolled customers to easily view their BVN details with just a few taps on their phones. To check your BVN via a bank app
1. Download the mobile app of the bank you have an account with
2. Sign in using your online banking credentials
3. Locate the “BVN Enquiry/View BVN” section within the app
4. Tap on it to view your 11-digit BVN instantly
How to check your BVN Via USSD Codes
All major Nigerian banks have adopted USSD codes that let customers check their BVN by simply dialing the code on their phones without an internet connection or airtime.
The BVN code for all banks is *565*0#
Simply dial the code for your bank, wait for the prompt, and your BVN will be displayed immediately.
How to Get Your BVN Number if You Don’t Have It
For new bank customers who recently opened an account but do not have their BVN assigned yet, here are the basic steps
Visit Your Bank Branch
Visit the branch of the bank where you recently opened an account. Carry a valid ID like your international passport, driver’s license or national ID card. Request a bank official to assist you with BVN enrollment.
Provide Your KYC Documents
Hand over copies of your Know Your Customer (KYC) documents like utility bills, tax certificates that were collected during account opening. This helps the bank verify your identity.
Complete the Enrollment Form
Fill out a BVN enrollment form providing your basic details like name, date of birth, phone number and email. In some cases, your fingerprint and picture may also be captured.
Receive Your BVN
Once your details are verified and captured in the Central BVN database, the bank official will provide you with a slip containing your 11-digit Bank Verification Number.
Link All Existing Accounts
Link all your other bank accounts to the newly generated BVN for ease of access, e-banking services and to prevent identity theft.
While visiting the bank branch is still the standard process, note that some banks have also started enrolling customers for BVN via their mobile apps, internet banking portals or designated enrollment agents.
Frequently Asked Questions about BVN in Nigeria
What should I do if I forgot my BVN?
If you have forgotten your BVN and are unable to retrieve it via the available methods, visit the bank branch where your account is domiciled. Provide your valid ID and enrollment details to the bank officer for verification and re-issuance of your BVN.
How can I update or correct details in my BVN record?
For any corrections needed in your captured details like name, date of birth or phone number in the BVN database, visit your bank with proof of identity. Submit a written request along with supporting documents for record update with the enrollment officer.
Conclusion
With the introduction of digital banking solutions, checking your Bank Verification Number or obtaining a new BVN in Nigeria is now more convenient than ever before.
By leveraging available channels like mobile apps, USSD codes, ATMs or quickteller; you no longer need to visit a physical bank branch or spend airtime to access this crucial identity detail linked to your bank accounts.
I hope this comprehensive guide helped explain the different methods through which you can easily check or retrieve your BVN securely without stepping out. Feel free to ask any other questions in the comments below.
