The Bank Verification Number (BVN) is a unique eleven-digit number that identifies you across all participating banks in Nigeria. It plays a crucial role in enhancing security and preventing fraud in the Nigerian banking system. Not only do you need a BVN to access many financial services, but linking it to your bank account has become mandatory. Here’s a step-by-step guide to help you navigate both processes:

Obtaining Your BVN

Who Can Get a BVN?

• You must be a resident of Nigeria.
• You can be of any age, but if you’re under 18, you’ll need a parent or guardian to accompany you during the registration process.

What Documents Do You Need?

• A valid means of identification (ID): This could be your international passport, National ID card, driver’s license, or voter’s registration card (original and photocopy).
• Your phone number: Ensure you have the phone number you intend to link to your BVN readily available.

How to Register for Your BVN

1. Visit Your Bank Branch:

The most common way to register for a BVN is by visiting any branch of your preferred bank in Nigeria. Here’s what to expect:

• Take your valid ID and phone number details with you.
• Inform the customer service representative that you want to register for a BVN.
• They will provide you with a BVN enrollment form. Fill out the form accurately and completely.
• Your fingerprints and photograph will be captured electronically.
• Once all the information is collected, you’ll receive a transaction slip or enrollment ID as a reference.

2. Visit a NIMC Registration Center (Alternative):

While less common, you can also register for your BVN at designated enrollment centers operated by the National Identity Management Commission (NIMC). The process is similar to registering at a bank branch:

• Locate a nearby NIMC registration center. You can find a list of centers on the NIMC website (https://nimc.gov.ng/).
• Bring your valid ID and phone number details.
• Inform the NIMC officials that you want to register for a BVN.
• They will guide you through the enrollment process, which may involve filling out a form and providing biometric data.
• Upon successful registration, you’ll receive a temporary slip containing your BVN reference number.

3. Wait for Your BVN (Processing Time):

The processing time for receiving your BVN can vary depending on the chosen method. Typically, it takes 24 to 48 hours for your BVN to be activated after registering at a bank branch. For NIMC registration centers, the wait time might be slightly longer.

4. Collect Your BVN:

• You’ll receive your BVN via SMS alert to the phone number you linked during registration. The message will contain your unique eleven-digit BVN.
• Some banks might also allow you to check your BVN online or through their mobile banking app after successful registration.

Important Tips:

• Keep your BVN confidential and avoid sharing it with anyone.
• You can only have one BVN, regardless of the number of bank accounts you hold.
• If you encounter any difficulties during the registration process, don’t hesitate to seek assistance from the bank or NIMC officials.

Linking Your BVN to Your Bank Account:

Once you have your BVN, it’s crucial to link it to your bank account. Here’s how you can do it:

Before You Begin:

• Ensure you have your BVN and NIN readily available. You can check your BVN by dialing 5650# on your phone (using the phone number linked to your BVN).
• Have a stable internet connection if you plan to use the online method.

Here are the ways you can link your BVN and NIN:

1. Online Banking:

Most banks in Nigeria offer the option to link your BVN and NIN through their online banking platform. Here’s a general process (specific steps might differ slightly):

• Log in to your bank’s internet banking platform using your username and password.
• Navigate to the “BVN/NIN Linkage” section (it might be under “Profile”, “Settings”, or a similar menu).
• Enter your BVN and NIN in the designated fields.
• Select the bank that issued your BVN (if applicable).
• Answer any security questions or provide additional verification details (if required).
• Submit the request and wait for confirmation.

2. Mobile Banking App:

Many banks allow you to link your BVN and NIN using their mobile banking app. The process is similar to online banking:

• Open your bank’s mobile app and log in with your credentials.
• Locate the “BVN/NIN Linkage” option (might be under “Menu”, “Settings”, or similar).
• Enter your BVN and NIN in the designated fields.
• Follow the prompts and provide any additional information required.
• Submit the request and wait for confirmation.

3. Bank Branch Visit:

You can also visit any branch of your bank and request to link your BVN and NIN in person. Here’s what to expect:

• Take your valid ID card and any other documents requested by the bank.
• Inform the customer service representative that you want to link your BVN and NIN.
• They will guide you through the process, which might involve filling out a form and providing your BVN and NIN details.
• The bank representative will then verify your information and complete the linkage process.

Important Tips:

• Ensure the phone number you use to access online or mobile banking is the same one linked to your BVN.
• Double-check all the information you enter to avoid delays or errors.
• Keep a copy of the confirmation message or receipt you receive after successful linkage.
• If you encounter any difficulties during the process, contact your bank’s customer service hotline or visit a branch for assistance.

By linking your BVN and NIN, you contribute to a safer and more secure financial system. Don’t wait, complete the process today!

Additional Information:

• National Identity Management Commission (NIMC) website: https://nimc.gov.ng/

By following these steps, you can obtain your BVN, link it to your bank account, and enjoy the benefits of a more secure and efficient banking experience in Nigeria. Remember, both obtaining your BVN and linking it to your bank account are crucial steps for participating in the Nigerian financial system. Don’t hesitate to seek assistance from your bank or the NIMC if you encounter any challenges during the process.