How to Check BVN: The Bank Verification Number (BVN) is a unique identifier designed to safeguard the integrity of financial transactions and protect customers from identity theft and fraud. Introduced by the Central Bank of Nigeria (CBN) in collaboration with the Nigerian Interbank Settlement System (NIBSS), the BVN has become an essential component of the Nigerian banking system. In this comprehensive blog post, we will guide you through how to check BVN, enabling you to take control of your financial identity.
What is the BVN?
The Bank Verification Number (BVN) is an 11-digit unique identification code assigned to every individual who holds a bank account in Nigeria. It is designed to biometrically verify and link customers’ identities across all Nigerian banks, making it easier to authenticate transactions and combat fraud.
Each individual who holds a bank account in any Nigerian bank is assigned a BVN, which is linked to their biometric data, including fingerprints and facial recognition. The BVN acts as a centralized database that enables banks and other financial institutions to verify the identity of their customers and manage risk more effectively.
Importance of the BVN
The BVN plays a pivotal role in ensuring the security and credibility of financial transactions in Nigeria. Some key benefits include:
- Identity Verification: The BVN verifies an individual’s identity through biometric data, reducing the risk of fraudulent activities and impersonation.
- Seamless Transactions: By linking your BVN to multiple accounts, you can easily switch between banks while retaining your identity and transaction history.
- Enhanced Security: The BVN adds an extra layer of security to financial transactions, safeguarding your funds and personal information.
How to Check BVN Online
a. Visit the official BVN portal provided by NIBSS at https://www.nibss-plc.com.ng/bvn.
b. Click on the “BVN Online Portal” link.
c. Fill in your details, including first name, last name, date of birth, and registered mobile number.
d. Complete the captcha verification and click on “Submit.”
e. You will receive an SMS containing your BVN on your registered mobile number.
How to Check Your BVN via Mobile Banking
Follow these simple steps to check your BVN via mobile banking:
Step 1: Download and Install Your Bank’s Mobile Banking App
To check your BVN via mobile banking, you need to have your bank’s official mobile banking app installed on your smartphone. Visit the app store on your device, search for your bank’s app, and download it. Ensure that you download the official app from a reputable source to avoid any security risks.
Step 2: Register and Log In to Your Mobile Banking Account
Once you have installed the app, open it and proceed to register for mobile banking services if you haven’t done so already. You may need to enter your account number, mobile number, and create a secure PIN or password for authentication purposes. Follow the on-screen prompts to complete the registration process.
If you already have a mobile banking account, enter your login credentials (username and password) or use biometric authentication (fingerprint or facial recognition) to access your account.
Step 3: Navigate to the “BVN” or “Profile” Section
After logging in, locate the “BVN” or “Profile” section within the mobile banking app. The exact location may vary based on your bank’s app design, but it is typically found under the “Settings” or “Account Information” tab.
Step 4: Request Your BVN
In the “BVN” or “Profile” section, you will find the option to check or view your BVN. Tap on the option and follow the on-screen instructions to initiate the BVN enquiry.
Step 5: Biometric Verification (If Required)
To ensure the security of your BVN information, some banks may require additional verification, such as scanning your fingerprint or using facial recognition. If prompted, follow the instructions to complete the biometric verification process.
Step 6: Access Your BVN
Upon successful verification, your BVN will be displayed on the screen. Take note of the 11-digit number for future reference.
Step 7: Securely Log Out
Once you have checked your BVN, ensure you securely log out of your mobile banking account. This is especially important if you are using a shared or public device to prevent unauthorized access to your financial information.
How to Check BVN via USSD Code – BVN Code for all Banks
Checking your BVN via USSD code is a straightforward process that works on any type of mobile phone. Follow these steps:
Step 1: Open Your Phone’s Dialer
Unlock your mobile phone and access the dialer app. It doesn’t matter if you are using a feature phone or a smartphone; the USSD code works on all devices.
Step 2: Dial the Universal BVN USSD Code
To check your BVN, dial the universal USSD code: *565*0# and press the “Call” button. This code is standardized across all Nigerian banks and will work for any bank account. It is the BVN code for all banks. It works on all network providers – MTN, Glo, Airtel, 9Mobile, etc.
Step 3: Select Your Bank
After dialling the USSD code, a menu will appear with a list of banks. Select your bank from the options provided by entering the corresponding number and press “Send” or “OK.”
Step 4: Verify Your Identity
To ensure the security of your BVN, the USSD system may require additional verification. Typically, you will be prompted to enter the last four digits of your ATM card number linked to the bank account for which you want to check the BVN. Enter the digits and proceed.
Step 5: View Your BVN
Once your identity is verified, your BVN will be displayed on the screen. Take note of the 11-digit number for future reference. You may also receive your BVN via SMS on your registered mobile number.
How to Check Your BVN by Visiting a Bank Branch
a. Visit the nearest branch of any Nigerian bank where you hold an account.
b. Request to check your BVN and provide the necessary identification details.
c. The bank officials will verify your identity and provide you with your BVN.
BVN Enrolment Slip
a. If you enrolled for a BVN at a bank branch, you should have received a BVN enrolment slip.
b. The BVN enrolment slip contains your BVN, along with other relevant information.
c. Locate your enrolment slip and note down your BVN for future reference.
How to Check BVN via Customer Support:
a. If you are unable to access your BVN through the online portal, mobile banking, or USSD code, you can reach out to your bank’s customer support.
b. Contact your bank’s helpline or visit their official website to find the customer support contact details.
c. Provide the required information for identity verification, such as your account number, full name, and date of birth.
d. The customer support representative will assist you in retrieving your BVN and address any queries or concerns you may have.
Using Internet Banking:
a. If you have internet banking enabled for your account, log in to your online banking portal using your credentials.
b. Navigate to the “Profile” or “Personal Information” section.
c. Look for the “BVN” tab, where your Bank Verification Number will be displayed.
How to Check BVN via ATM
a. Visit any ATM machine affiliated with your bank or any other bank in Nigeria.
b. Insert your debit card into the ATM and enter your PIN.
c. From the main menu, select “BVN” or “Other Services,” depending on the ATM interface.
d. Follow the prompts to input your account number and complete the authentication process.
e. Your BVN will be displayed on the screen, and you will also receive it via SMS.
Requesting BVN via Email:
a. If you have previously provided your email address to your bank, you can request your BVN via email.
b. Compose an email to your bank’s customer support or helpline, stating your request to check your BVN.
c. Include your account details, full name, and date of birth in the email for verification purposes.
d. A customer support representative will respond with your BVN and any additional instructions if required.
How to Check BVN through Mobile Banking QR Code:
a. Some banks provide the option to check your BVN using a QR code within their mobile banking app.
b. Launch your bank’s mobile banking app and navigate to the BVN section.
c. Choose the “Scan QR Code” option and allow the app to access your phone’s camera.
d. Scan the BVN QR code displayed on any official bank document, such as your account statement or BVN enrolment slip.
e. Your BVN will be automatically detected and displayed on the app.
How to Check Your BVN via Social Media Channels:
a. Some banks offer customer support services through their official social media channels, such as Twitter, Facebook, or WhatsApp.
b. Send a direct message to your bank’s social media account, requesting your BVN.
c. The customer support team will guide you through the necessary verification process and provide your BVN securely.
BVN Enquiry through IVR (Interactive Voice Response) System:
a. Dial your bank’s customer care number or helpline.
b. Navigate through the IVR system to reach the BVN enquiry option.
c. Enter your account number and any other required details for authentication.
d. Your BVN will be read out to you through the IVR or sent to you via SMS.
Important Security Tips
- Never share your BVN with anyone unless it is a trusted and authorized banking official.
- Avoid sharing your BVN on social media platforms or unsecured websites.
- If you suspect any fraudulent activities or unauthorized access to your account, contact your bank immediately.
- Regularly review your bank statements and transaction history to detect any suspicious activities.
Conclusion
The Bank Verification Number (BVN) is a pivotal tool in ensuring financial security and identity verification in Nigeria. By following this comprehensive guide, you have learned multiple methods to check your BVN, including online portals, mobile banking apps, USSD codes, visiting a bank branch, and using your BVN enrolment slip. Protect your financial identity, thwart fraud attempts, and embrace the power of BVN to enjoy seamless and secure banking experiences. Safeguard your financial future with the BVN – your key to unlocking financial security!
Also, read How to open an Access Bank account in Nigeria.