How to link your NIN, BVN to your bank account

All bank customers in Nigeria have been required by the Central Bank of Nigeria to link their bank account(s) to their National Identity Number (NIN) and Bank Verification Number (BVN).

How to link your NIN, BVN to your bank account

On December 1, 2023, the top bank issued a circular directing banks to impose restrictions on any Tier 1 bank account that does not have a bank verification number (BVN).
Accounts that can be opened with a legitimate ID or proof of address are known as Tier 1 accounts.
Some banks set a date of February 29, 2024, while others made no mention of a deadline at all.
The eleven non-intelligible integers that make up the National Identification Number (NIN) are selected at random and given to a person upon completing the National Identity Database (NIDB) enrollment process.

The Bank Verification Number (BVN) is a biometric technology that analyzes human traits to provide a safe, one-of-a-kind identification for enhanced authentication in real-time security procedures.

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What is BVN and Why Do You Need It?

BVN stands for Bank Verification Number. It’s an 11-digit unique identifier assigned to each individual participating in the Nigerian banking system. Introduced by the Central Bank of Nigeria (CBN), BVN serves several key purposes:

  • Enhanced Security: BVN acts as an additional layer of protection against fraudulent activities in your bank accounts. By linking your biometric data (like fingerprints) to your accounts, it becomes significantly harder for unauthorized individuals to access your funds.
  • Universal Identification: Unlike traditional account numbers specific to each bank, your BVN is unique and remains constant across all the banks you use in Nigeria. This simplifies transactions and identification processes regardless of the bank you’re dealing with.
  • Improved Efficiency: BVN helps streamline banking operations by facilitating faster verification and reducing the need for repetitive documentation. This translates to shorter queues and quicker service at banks.
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In essence, obtaining a BVN is essential for anyone who wants to participate in Nigeria’s formal banking system. It safeguards your financial security, simplifies transactions, and enhances the overall efficiency of the banking experience.

What is NIN and Why Do You Need It in Nigeria

NIN stands for National Identification Number. It’s a unique 11-digit number assigned to citizens and legal residents in Nigeria by the National Identity Management Commission (NIMC).

Here’s why you need a NIN in Nigeria:

1. Unique Identification: It acts as your official identification throughout your life, similar to a social security number in other countries. It links your demographic data, fingerprints, photo, and other biometric information in the National Identity Database (NIDB). This allows for verification and authentication across various sectors.

2. Access to Services: Having a NIN is becoming increasingly essential for accessing various services in Nigeria, including:

  • Opening bank accounts: Linking your NIN to your bank accounts is mandatory in Nigeria.
  • Obtaining a driver’s license or international passport: You’ll need your NIN to apply for these documents.
  • Registering for SIM cards: Mobile phone operators require your NIN for SIM card registration.
  • Accessing social security benefits: The government may utilize NIN for verification purposes when offering social services.
  • Tax filing and other government transactions: The Nigerian government is gradually integrating NIN into various public services.

NIN plays an important role in establishing your identity and facilitating access to essential services in Nigeria.

One of the following techniques can be used to connect your bank account to your BVN or NIN.

To link your BVN or NIN to your bank via SMS, simply text BVN or NIN, your account number, and BVN or NIN number to the number or code provided by your service provider or bank.

Log in to your bank’s internet banking platform. Select the BVN/NIN option. Click on new request and enter your BVN/NIN. Select the bank where your BVN/NIN was issued, answer the secret questions and follow the instructions.

visit the nearest bank branch and request for NIN or BVN update.

You can update your BVN and NIN via these channels:

Via USSD Code

  • For BVN Linking: Dial *737*20*BVN# from the mobile number registered with your GTBank account. This straightforward process ensures that your BVN is linked to your account in just a few steps.
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2. Through GTBank’s Website

  • For Both BVN and NIN Linking: Access GTBank’s dedicated self-service portal at GTBank’s Self Service Portal. This secure platform allows you to effortlessly link both your BVN and NIN to your GTBank account from the comfort of your home or office.

3. Via GTBank Branch

If you prefer face-to-face assistance or do not have access to the internet, you can visit the nearest GTBank branch. The bank’s friendly staff will guide you through the process of linking your BVN and NIN to your account.

Link your BVN to your Access Bank account

You can link your BVN to your Access Bank account through the following methods: 

  • Via Website
  • Via SMS (Simply text BVN, your account number and BVN number to 20121  e.g. BVN 06812345678 22498765432 to 20121 )
  • Via Internet Banking 

– Login on the Internet Banking platform 

– Select the Service Requests Menu
– Select Initiate Service Request
– Select Link BVN

How to enrol for BVN at access bank

  • Visit any Access Bank branch and complete the enrolment form 
  • Your biometric data (fingerprint, photograph and signature) will be captured on the system 
  • You will then receive a Ticket ID 
  • BVN will be sent to your registered mobile number

Via branch

You can link your NIN to your FirstBank account either by visiting any FirstBank physical branch near to you.

  1. Ask for the NIN Linking Form
  2. Fill Out the NIN Form
  3. Submit the NIN linking Form
  4. Wait for NIN Linking Confirmation

Via online

How to link NIN/BVN to first Bank account online

  • Log in to FirstBank Internet Banking
  • Go to NIN Linking Section
  • Enter Your Details
  • Submit Your Request
  • Confirmation

The following are steps on how to successfully link your BVN to your Firstbank account:

  • Use the mobile number that you used to open your First Bank account to dial this code: *894*BVN# 
  • Replace the “BVN” with your 11-digits BV number. For instance, let’s say your BVN is 12345678910, then you dial *894*12345678910# on your phone.
  • You will receive a confirmation SMS from First Bank that you have successfully linked your BVN to your First Bank account.
  • Visit any Zenith bank Branch around you.
  • Request for NIN linking form from the customer care service.
  • Fill in accurate details needed which includes; full name, NIN, BVN, account number and demographic information that may be requested by the bank.
  • When you must have completed the form, submit it and show your NIN slip/card as a means of identification to the customer care service.
  • The bank official will verify the information provided and process the request.
  • Once your request is granted, you will receive an SMS stating that you have linked your NIN to Zenith bank account successfully.
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Your can also link your NIN to your zenith bank account by visiting zenith online banking portal

Open your phone dial containing your mobile phone which has the registered phone number to your Zenith bank account. Dial *966*your 11-digit BVN# to link your BVN to your Zenith bank account.

To link your BVN details to your WEMA bank account using USSD code, simply dial *945*BVN# on your phone and press the send button. Another option available to you is by using the BVN linking portal. In case you want to manage your BVN, the USSD code to dial is *945*4#.

Check Your BVN on Wema Bank

The official USSD code you need to dial to retrieve or check your Bank Verification Number (BVN) on WEMA Bank Nigeria is *565*0#.

You can also link your NIN/BVN to your wema Bank account by visiting any Wema Bank branch and request for bvn or nin form

  • Visit any stanbic IBTC bank branch
  • Visit www.stabicibtc.com

To link your BVN/NIN to your bank account, visit the nearest union bank.

Also read: How to link nin to union bank account

Union bank USSD code

FunctionShort Code
Check balance*826*4#
Buy airtime for yourself*826*Amount#
Buy airtime for others*826*Amount*3rd party mobile No#
Transfer money to Union Bank*826*1*Amount*Account No#
Transfer money to other banks*826*2*Amount*Account no#
Cardless withdrawal*826*7*amount#
Locate a branch/Union Direct Agent*826*19#
Request a debit card*826*21#
Request a loan*826*41#
Data purchase*826*9#
Pay merchants (mCash)*826*22*merchantcode*amount#
Data capture after enrolment*826*3*account no#
Card management (block and unblock card)*826*21#
Limit increase*826*8#
Block your account from your phone number*826*6#
Block your account from other phone numbers*826*6*mobile number#

FAQ

How can I use my BVN to check my NIN number?

– Dial *346# from the phone number associated with your voter’s card, driver’s license, or BVN registration. – Follow the prompts to retrieve your NIN number.

How do I create a BVN by myself?

Walk into any branch of your Bank. Fill and submit the BVN Enrolment form. An acknowledgment slip with the transaction ID is issued to you. Within 24 hours the system confirms your application, your BVN is generated, and you receive an SMS for pickup.

Can I use only NIN to open bank account?

Here is a list of the requirements for opening a bank account in Nigeria: Valid government-issued identification: This can be a national identification card (NIN), international passport, or driver’s license.

Link NIN to bank account via Internet Banking Log in to the internet banking platform of your bank, select the BVN/NIN option, click on new request, enter your BVN/NIN, select the bank where your BVN/NIN was issued, answer the secret questions and follow the instructions.

Via internet bankingLog in to your bank’s internet banking platform. Select the BVN/NIN option. Click on new request and enter your BVN/NIN. Select the bank where your BVN/NIN was issued, answer the secret questions and follow the instructions.

How To Check Your BVN

You can check your BVN (Bank Verification Number) by simply dialing this USSD Code *565*0#. 

Richard okechukwu Chinedu

FinTech enthusiast with a passion for making financial technology accessible and understandable. I break down complex concepts into actionable insights to empower readers to navigate the ever-evolving world of FinTech.

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