How to Check BVN on Phone

The rapid and continuous rise in digital transactions opened the market to more fraudulent activities, especially in Nigeria.

As a result, the government introduced a biometric identification system. This system exists to reduce and eventually curb fraudulent and illegal banking transactions in Nigeria. The central bank of Nigeria implemented it in line with Act 1958.

What is A BVN?

BVN means Bank Verification Number. It is a unique set of 11 digits that is linked to all your bank accounts, and consequentially, all your bank transactions.

It is essentially like your identity in the banking space and can track your activities across different banks. It requires those who have different bank accounts to link all their accounts to a single BVN after registering for one. BVN uniquely verifies each bank’s customer for “know your customer” purpose.

Having a BVN is currently compulsory to own and operate a bank account in Nigeria. Your bank accounts would freeze and remain frozen without one. This applies to all types of bank accounts.   

How To Get A BVN

Registering for your BVN is a pretty simple and straightforward process. Follow the steps below to successfully register:

  1. Visit your bank with a valid ID card (voter’s card, driver’s license, national ID) and request for a BVN enrollment form
  2. Fill the form and capture your biometrics; fingerprints and photograph. The bank does your Biometric capturing.
  3. On completion of biometrics, they would give you a ticket ID
  4. You should receive your BVN number a few days or less after registration.
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Many banks today now offer a completely digital process, where you can download the form online. After getting your BVN, the next step is to link it to all your other bank accounts. Simply visit your bank, where they would give you a form to complete the process.

How To Check BVN Online

If you can’t access or have lost the sim card that you used to create your BVN. You can go through the following steps:

  1. Log to NIBSS BVN Online Portal. OR CLICK HERE.
  2. Enter your BVN details as required.
  3. Now enter your password and select ‘Login’.

You can also validate your BVN on their portal through the following steps:

  1. Navigate to NIBSS BVN Online Portal.
  2. Put your BVN in the first box they provided.
  3. Enter your date of birth, in this order; Date-Month-Year, in the second box.
  4. Select ‘Validate’.

How To Check BVN On MTN

  1. Dial *565*0# using the phone number you used in registering for your BVN
  2. In a few moments, your phone’s screen will display your unique eleven digits.
  3. Know that this is a premium service. Your operator will charge you up to 20 Naira for this.

As a result, saving the number somewhere so you don’t have to pay for it every time you need it is a good idea.

How To Check BVN On GLO

  1. Ensure that you have up to 20 Naira airtime on your phone
  2. Dial *565*0# using the phone number you used in registering for your BVN
  3. Your 11 digits BVN will be displayed on your screen
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How To Check BVN On 9Mobile

  1. If your network is Etisalat (which is now 9mobile), you will have no problems. Simply dial *565*0# to get started.
  2. Wait until you see the number on your phone’s screen.
  3. This should also charge you too. Having at least 20 Naira in your phone account is a good idea.

How To Check BVN On Airtel

  1. If you’re an Airtel user, the exact code, *565*0#, will get you the numbers you need.
  2. After submitting your inquiry, you will receive a phone number shortly.
  3. For the inquiry, they’ll deduct up to 20 Naira from your mobile account.

Note: If you are a client of a Nigerian bank that has been authorized by the Central Bank of Nigeria. You can use the *565*0# code. Aside from that, this service is not free.

From the information above, you now understand how you can use a mobile phone to check your BVN. Mobile network operators in Nigeria such as MTN, Etisalat, Airtel, and GLO use the universal code *565*0# to verify BVN. If you’re looking for a quick way to retrieve your BVN number, this code will come in handy.

How can I open my BVN online?

To check your BVN online, you must have registered and gotten your unique 11 digits from your bank. Now, to see this number online, simply login into your bank app. Click on the menu option and your BVN should be displayed there.

The location of the number, however, varies from one banking app to another.

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Note that there is no current online platform that you can register or change your BVN at the time of this writing. Ignore websites that claim to do that, as they are most likely fraudulent.

Do I Need My BVN To Take A Loan?

The short answer to this is, yes. You do. Getting a loan with your BVN is not complicated. All Fintech platforms now require your BVN to give you a loan.

This is because they can easily track defaulters down and make a case to get back their money. Unlike commercial or microfinance banks, these fintech companies do not require you to complete loan forms or tender collateral. Rather, it’s simply a process of download their app, register, and get an instant loan.

Benefits of Having A BVN

  • Your BVN protects all your accounts from unauthorized access.
  • With a BVN, carrying out bank transactions is so much faster.
  • Your BVN also makes it easy to track all transactions across all your accounts.

Conclusion

BVN is a very important and beneficial development in the banking industry. Its ability to create a unique identity for customers has reduced fraud and also simplified loaning processes. Hopefully, you’re now well informed on the different ways to check BVN details without having to walk into any banking hall.

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