The Bank Verification Number (BVN) has become a cornerstone of banking in Nigeria. Introduced by the Central Bank of Nigeria (CBN) to curb fraud and streamline customer identification, BVN linking is more important than ever as digital banking, fintech, and compliance demands grow.
If you’re confused about BVN, linking processes, or the latest updates, this guide is for you.
1. What is BVN?
BVN is an 11-digit unique identification number issued by the Central Bank of Nigeria to every bank customer. Your BVN works across all Nigerian banks and financial institutions, acting like a digital fingerprint for your financial activities.
Key Points:
- You only need one BVN, no matter how many accounts or banks you use.
- It links your biometric data (fingerprints, facial photo) to your identity and all your bank accounts.
2. Why is BVN Linking Important in 2025?
- Mandatory for All Accounts: In 2025, all bank accounts, mobile wallets, and fintech platforms require BVN linking to remain active.
- Prevents Fraud: Your BVN helps banks confirm your identity and spot suspicious activity.
- Access to Services: BVN is required for loans, transfers above certain limits, KYC (Know Your Customer) compliance, and even some government services.
- CBN Enforcement: Accounts without BVN are automatically restricted or frozen.
3. Who Needs to Link BVN?
- New bank or fintech customers: Must enroll for a BVN if you don’t have one.
- Existing customers: Must link their BVN to any new account or digital wallet, even outside traditional banks.
- Diaspora Nigerians: Can register for BVN at designated international centers and link to Nigerian accounts.
4. How to Enroll for BVN (First-Time Registration)
If you don’t yet have a BVN:
Step-by-Step:
- Visit any Nigerian bank branch (you don’t need an account there).
- Take Valid ID: (National ID, Voter’s Card, International Passport, or Driver’s License).
- Provide biometric data: Fingerprints and photo will be taken.
- Fill out the BVN enrollment form.
- Get your BVN instantly or via SMS/email within 24–48 hours.
Note: As of 2025, some banks offer limited BVN registration at their agent locations or via mobile BVN kiosks.
5. How to Link Your BVN to Bank Accounts & Wallets
If you already have a BVN, here’s how to link it to any bank account, including microfinance, fintech apps, and mobile money wallets:
A. Linking via USSD (Most Popular Banks):
- GTBank:
Dial*737*20*BVN# - Access Bank:
Dial*901*BVN# - First Bank:
Dial*894*BVN# - UBA:
Dial*919*6# - Zenith Bank:
Dial*966*BVN# - Polaris Bank:
Dial*833*BVN# - Union Bank:
Dial*826*9# - Ecobank:
Dial*326*9*BVN#
(Replace “BVN” with your actual number.)
B. Linking via Bank Mobile App or Internet Banking:
- Log into your bank app or online portal.
- Look for “BVN Update/Link BVN” option.
- Enter your 11-digit BVN and submit.
C. Linking via Bank Branch or Agent:
- Visit any branch or authorized agent with your BVN and valid ID.
- Fill out the BVN linking/update form.
D. Linking with Fintech/Wallet Apps (e.g., Opay, PalmPay, Kuda, Moniepoint, etc.):
- Open the app and go to “Profile” or “Account Settings”.
- Find the “Link BVN” option.
- Enter your BVN and follow prompts, possibly with a photo/selfie for verification.
E. Linking Multiple Accounts:
- You can link your existing BVN to as many accounts as you own—use each bank’s platform or visit a branch.
6. How to Check if Your BVN is Linked
- USSD: Dial
*565*0#on the phone number registered with your BVN (₦20 service fee may apply). - Bank App/Portal: Most apps show your BVN status in your profile section.
- Customer Service: Ask at any branch or call your bank’s customer care.
7. What If My BVN Details Are Wrong or Mismatched?
Common issues: name, date of birth, or phone number mismatch.
How to Correct BVN Data:
- Visit the bank branch where you registered your BVN.
- Take supporting documents (ID, affidavit, birth certificate, etc.).
- Fill a BVN data correction form.
- Corrections can take a few days to process.
8. BVN for Diaspora Nigerians (2025 Update)
Nigerians abroad can register for BVN at select banks or Nigerian embassies/consulates in the UK, US, UAE, South Africa, Canada, and more.
Check the NIBSS website or your bank for up-to-date locations.
9. BVN Security and Privacy
- Never share your BVN publicly or with unverified persons.
- Banks and fintechs will never call, SMS, or email you to request your full BVN and PIN together.
- If you suspect your BVN is compromised, inform your bank immediately.
10. Common BVN-Related FAQs in 2025
Q: Can I have more than one BVN?
A: No. Only one BVN per person, across all banks.
Q: Is BVN required for children’s accounts?
A: Yes, for accounts in the child’s name (with parent/guardian’s consent).
Q: What happens if I don’t link BVN?
A: Your accounts will be restricted/frozen until you comply.
Q: Can I link my BVN to fintech apps (Opay, Kuda, etc.)?
A: Yes, and it’s required for full access and higher transaction limits.
Q: Is my BVN the same as my NIN?
A: No. BVN is for banking; NIN (National Identity Number) is for national identity purposes. Both are increasingly required for KYC.
Summary Table
| Action | How To Do It | Where |
|---|---|---|
| BVN Registration | Biometric at any Nigerian bank (with valid ID) | Bank branch/agent |
| Link BVN to Account | USSD, app, online, or in-branch | App, USSD, branch |
| Link BVN to Wallet/Fintech | In-app profile/settings | App |
| Check BVN Status | 5650#, bank app, or customer care | Phone, app, branch |
| Correct BVN Details | Fill correction form, submit supporting documents | Bank branch |
Final Thoughts
BVN linking is simple, essential, and central to financial security in Nigeria in 2025. Stay up to date, link your accounts promptly, and protect your BVN information.
