How to Know Your BVN Number and Retrieve It

The Bank Verification Number (BVN) serves as a unique identifier within the Nigerian financial system, designed to enhance the security and integrity of banking transactions. This 11-digit number is a biometric identification system, implemented by the Central Bank of Nigeria (CBN) in collaboration with all Nigerian banks, to provide a single identity for each individual across the entire banking industry. It helps in curbing fraudulent activities, preventing identity theft, and ensuring that financial transactions are secure.

Customers often need to retrieve their BVN for various reasons, such as forgetting the number, opening new accounts, or engaging in certain financial services like loan applications or online banking registrations. The BVN is now a mandatory requirement for most banking activities, including linking multiple accounts and recovering locked accounts.

Retrieving Your BVN

Retrieving your Bank Verification Number (BVN) can be accomplished through several straightforward methods, with the USSD code being a primary option. Simply dial 5650# from the mobile phone number that was linked to your bank account during your initial BVN registration. After dialing, your BVN should appear on your screen after a brief verification.

Using the USSD code incurs a service fee of ₦20, which is deducted from your airtime balance. This method works with all major mobile network providers in Nigeria, including MTN, Airtel, Glo, and 9mobile, and does not require internet access or a smartphone.

Another reliable way to retrieve your BVN involves visiting any branch of your bank. When visiting the bank, bring a valid form of identification, such as your National ID, Driver’s License, International Passport, or Voter’s Card. Bank staff will verify your identity and assist you in retrieving your BVN, often providing it as a printout or via SMS.

Many Nigerian banks also offer checking your BVN through their official mobile banking applications or internet banking platforms. If you have set up and logged into your bank’s app or online portal, you can find your BVN listed under sections like “Profile,” “Account Info,” “Personal Details,” or “Account Summary.” The exact navigation may vary depending on your bank’s specific interface.

Troubleshooting BVN Retrieval

If you encounter difficulties retrieving your BVN, a common issue is if you are dialing the USSD code from a phone number that is not the one registered with your BVN, or if the number is linked to multiple BVNs. You will need to contact your bank directly to update your registered phone number or resolve any linking discrepancies.

If a “BVN not found” message appears, it indicates you have not yet enrolled for a BVN. Enrollment is a one-time process that requires visiting any bank branch with a valid identification document to complete a form and capture your biometric data, such as fingerprints and a facial image. BVN enrollment is free of charge.

For persistent retrieval problems after trying the standard methods, directly contacting your bank’s customer service is recommended. They can provide assistance and verify your identity using other details you provide, such as your full name, date of birth, and account number. Banks are equipped to handle complex BVN-related inquiries and provide solutions.

Sometimes, discrepancies in personal data, such as a mismatch in your name or date of birth, can hinder BVN retrieval. If your information differs from what is on record, visit your bank branch to rectify these details. Resolving data mismatches ensures access to your BVN and other banking services.