Three quick ways to link your NIN, BVN to your bank account

The Central Bank of Nigeria (CBN) has instructed all bank customers to link their National Identification Number (NIN) and Bank Verification Number (BVN) to their bank account(s).

The National Identification Number (NIN) consists of 11 non-intelligible numbers randomly chosen and assigned to an individual after completing enrollment into the National Identity Database (NIDB).

Bank Verification Number (BVN) is a biometric technology with a secure unique identifier to analyze human characteristics as an enhanced form of authentication for real-time security processes.

The Nation learnt that some banks have begun restricting access to bank accounts not linked to NIN as directed by the CBN.

The apex bank had in a circular on December 1st 2023, directed that banks should place restrictions on all Tier 1 bank accounts without BVN.

For tier 2 and 3 accounts and wallets, the CBN’s directive said they must be linked with both BVN and NIN, while only tier 1 accounts have the option of BVN and/or NIN.

Tier 1 accounts are accounts that can be opened with a valid identity or proof of address.

Here are methods to link your BVN or NIN to your bank account:


Simply text BVN/NIN, your account number, and BVN/NIN number to the number/code provided by your service provider or bank.

Via Internet Banking

Here are some steps to link your NIN and BVN to your bank account via internet banking:

Log in to your bank’s internet banking platform

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

Follow the instructions

Email Request

Send an email request to your account officer

Access Your PalmPay App: Open the PalmPay app on your smartphone device.

Navigate to Profile/Settings: Locate the “Profile” or “Settings” section within the app.

Access KYC/Verification Section: Find the KYC (Know Your Customer) or Verification section.

Add NIN/BVN: Follow the instructions to input your NIN and BVN details seamlessly.

Complete Additional KYC Steps: Provide any supplementary documents or information as prompted to complete the KYC process.

Submit for Verification: Once all details are entered, submit the information for verification.

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