Whether you’re opening a bank account or using a fintech app, having a BVN (Bank Verification Number) is now a must in Nigeria. If you’re new to the process, don’t worry—this guide breaks everything down in simple steps just for you.
Let’s get into how BVN registration works in Nigeria, what to bring along, tools to make things easier, and some FAQs to answer your burning questions.
What is BVN and Why is It Important?
BVN stands for Bank Verification Number. It’s a unique 11-digit number issued by the Central Bank of Nigeria (CBN) to help verify your identity across all Nigerian banks.
Why you need a BVN:
- To open a bank account
- To use mobile banking apps and fintech platforms (like PalmPay, Opay, Kuda)
- To reduce fraud and identity theft
- To access loans, pensions, or government financial schemes
Think of BVN as your digital fingerprint for Nigerian banking.
Step-by-Step Guide to BVN Registration in Nigeria
Step 1: Visit Any Nigerian Bank Branch
You can register for BVN at any commercial bank in Nigeria. It doesn’t have to be your current bank.
Popular banks that offer BVN enrollment:
- Access Bank
- Zenith Bank
- First Bank
- UBA
- GTBank
- Fidelity Bank
- Union Bank
- Polaris Bank
- Wema Bank
Tip: Go early to avoid long queues, especially on Mondays and month-ends.
Step 2: Go With Valid Means of Identification
Bring at least one valid ID from the list below:
- National ID card (or NIN slip)
- International Passport
- Driver’s License
- Voter’s Card
Make sure the name on your ID matches the name you’ll register with. Name mismatches cause delays.
Step 3: Fill Out the BVN Enrollment Form
At the bank, ask for a BVN enrollment form. It’s free and only takes a few minutes to fill out.
You’ll be asked for:
- Full name
- Date of birth
- Phone number
- Address
- Email (optional but useful)
- Next of kin
Step 4: Biometric Capture
Once your form is complete, your biometrics will be taken:
- Fingerprints (all 10 fingers)
- Facial photograph
This data is linked to your BVN and used to uniquely identify you in the banking system.
Step 5: Receive Your BVN
After enrollment, you’ll receive your BVN slip with your 11-digit number. This could be printed instantly or sent via SMS within 24–48 hours.
You can also check your BVN later using your phone. Just dial:
*565*0#(works on MTN, Airtel, Glo, 9mobile – ₦20 service charge applies)
Practical Tips for Easy BVN Registration
- Use a valid phone number you can always access – your BVN is linked to it.
- If you already have a BVN, don’t register again—just link it to your new account.
- Store your BVN in a secure place. Never share it carelessly.
Common Mistakes to Avoid
- Using different names across your ID and bank accounts
- Losing your BVN slip and forgetting the number
- Registering multiple times (one BVN is enough for all banks)
- Not updating your phone number if it changes
Can You Register BVN Online?
No. BVN registration must be done physically at a bank due to the need for biometric capture. However, you can link your BVN to bank accounts or fintech apps online once you have it.
Helpful Tools & Apps for BVN Management
- USSD Code: Dial
*565*0#to retrieve your BVN - Bank Mobile Apps: Most Nigerian bank apps let you link BVN easily
- NIMC Mobile App: Helpful for syncing NIN & other ID details
- Fintech Apps (e.g., PalmPay, Kuda, Opay): Will ask for your BVN to verify your identity
Frequently Asked Questions (FAQ)
1. Can I register for BVN without a national ID or NIN?
You need at least one valid form of government-issued ID like a national ID, passport, or voter’s card.
2. Is BVN registration free?
Yes, registering for BVN is 100% free at any bank.
3. How long does it take to get my BVN?
It usually takes a few minutes to complete the process, and you’ll get your BVN within 24–48 hours.
4. Can I register for BVN outside Nigeria?
Yes, some Nigerian embassies and select international banks offer BVN registration for Nigerians in the diaspora.
5. What happens if I forget my BVN?
Dial *565*0# on your phone (linked to your BVN) to retrieve it instantly.
Final Thoughts on BVN Registration in Nigeria
Getting your BVN is one of the most important steps for accessing modern financial services in Nigeria. Whether you want to open a bank account, use mobile apps like PalmPay or Kuda, or apply for a loan, BVN is your key to financial identity.
The process is simple, free, and worth it.
Have you gotten your BVN already? Drop your experience or questions in the comments!
