Why Are We Doing This?
With the increasing incidents of compromise on conventional security systems (password and PIN), there is a high demand for greater security for access to sensitive or personal information in the Banking System. In recent times, biometric technologies have been used to analyze human characteristics as an enhanced form of authentication for real-time security processes.

Biometrics refers to identifying an individual based on physiological or behavioral attributes – fingerprint, signature etc.
The Central Bank of Nigeria through the Banker’ Committee and in collaboration with all banks in Nigeria on February 14, 2014 launched a centralized biometric identification system for the banking industry tagged Bank Verification Number (BVN).

The Benefits

  • BVN gives a unique identity that can be verified across the Nigerian Banking Industry (not peculiar to one Bank)
  • Customers Bank Accounts are protected from unauthorized access
  • It will address issues of identity theft, thus reduce exposure to fraud
    The BVN will enhance the Banking Industry chances of being able to fish out blacklisted customers
  • Reduce queue in Banking Halls
  • Standardized efficiency of Banking operations
  • The Customers unique BVN is accepted as a means of identification across ALL Nigerian Banks


  • The purpose of the project is to use biometric information as a means of first identifying and verifying all individuals that have account(s) in any Nigerian bank and consequently, as a means of authenticating customer’s identity at point of transactions.
  • To provide a uniform industrially accepted unique identity for Bank Customers
  • To authenticate transactions without the use of cards using only biometric features and PIN
  • Identification of blacklisted customers

What you need to know about BVN

  • A unique ID number shall be issued to every Bank customer at enrolment and linked to every account that the customer has in ALL Nigerian Banks.
    Individuals shall be required to submit an acceptable means of identification as prescribed for enrolment.
  • Customers of banks shall be required to enroll within a fixed period after which they shall no longer be able to operate their Bank accounts
    Capturing of all ten (10) fingers and facial image will be adopted
  • For authentication purposes, individuals performing banking transactions (e.g applying for loans) shall be required to identify themselves using their biometric features which will be matched against information in the central database.
  • Update of customer information shall be done at their Bank Branches physically.
    Banks shall be prompted during account opening and credit check if a customer has been blacklisted by ANY Nigerian Bank.
  • The BVN and unique features of an individual shall be used in conjunction with a PIN on a point of transaction.

How To Enroll

  1. Walk into any branch of your Bank
  2. Fill and submit the BVN Enrolment form.
  3. Present yourself for data capturing (such as Fingerprint, facial Image etc)
  4. An acknowledgment slip with the transaction ID is issued to you
  5. Within 24hours the system confirms your application, your BVN is generated, and you receive an SMS for pickup.

NIBSS in partnership with OIS (Online Integrated Solutions) and VFS Global has introduced a simple, convenient and hassle free process for Nigerian Bank Customers in Diaspora to enroll and link their Biometric Verification Numbers (BVN) online to their Nigerian Bank Accounts.

NIBSS has come up with this process to ensure that Nigerian Bank Customers irrespective of where they are around the world can enroll and link their BVN to their Bank Accounts. The enrollment process is simple and easy.

Enrollment Steps

  1. Logon to Online Integrated Solutions (OIS) or VFS Global website
  2. Select Location
  3. Click on the BVN ENROLMENT TAB
  4. Read BVN Enrollment Instruction
  5. Download BVN enrollment form
  6. Book BVN Biometric Capturing Appointment
  7. Print Appointment Booking Slip
  8. Visit BVN Enrollment Center on the Appointed Date with Enrollment Requirement.
      – Valid ID (Drivers Licence or International Passport)
      – One recent passport photograph
      – Enrollment fee or evidence of payment of enrollment fee
  9. Logon to NIBSS website and Click the: LINK BVN TO ACCOUNT Tab
  10. Login with Username and password and link BVN to existing Nigerian Bank Accounts (Username and Password will be sent to your registered email account after capturing)

This enrollment process is done only once and your BVN is linked to all your Bank Accounts across all Nigerian Banks.
The BVN solution is an initiative of the Central Bank of Nigeria to ensure accountability, protect Bank Customers’ Account from unauthorized access, reduce exposure to fraud, check identity theft, enhance credit advancement to Bank Customers, and also encourage Financial Inclusion.

Click Here for Enrollment of Customers in Diaspora

London: OIS Services, 56-57 Fleet Street, London EC4Y 1JU, UK Opening times: Mon, Tues, Thurs, and Fri (9:00-12:00 then 14:00-16:00). Wednesday (9:30-12.00 then 14:00-16:00) Tel: +44 (0) 20 7832 0001
Leicester: Online Integrated Solutions, St Georges House, 6 St Georges Way, Leicester LE1 1SH Opening Times: Friday (9am – 4pm) Tel: +44 (0) 7495 002 032

Amsterdam: Online Integrated Solutions, (OIS Services), Kingsfordweg 151, 1043GR Amsterdam. Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +31(0)204919044 Email: infoamsterdam@oisservices.com

Dubai: OIS SERVICES, 2907 Platinum Tower, Cluster I, Jumeirah Lake Towers, Dubai. Opening times: Sunday to Thursday (9:00am – 4:00pm) Tel: +971 4 276 5448

Johannesburg: OIS SERVICES, 6 Bolton Road Parkwood Rosebank, 2193. Johannesburg, SA. Opening times: Mon, Tue, Thurs, Frid (9am-4.30pm), Wed (10am to 4.30pm) Tel: +27 112682376; +27 112682470
Capetown: VFS Global, 47 Strand Street, 5th Floor Office 504, Cape Town, Western Cape. Opening times: 08:00 to 15:00 (Mon to Fri) Tel: +27 (0)12 425 3011

Pretoria: VFS Global (BVN Enrollment Centre)- Cherry Lane Office Park, 1st Floor 114 Fehrsen Street Nieuw Muckleneuk Brooklyn, 0181. Working Hours – Working hours to be 08:00 to 15:00 ( Monday to Friday) EmailID- bvninfosa@vfsglobal.com bvnfeedbacksa@vfsglobal.com  Helpline: +27 (0)12 425 3011

Fee: 615 ZAR payable by POS (Debit/Credit card) at the enrollment center.

Kuala Lumpur: 85, Jalan Ampang Hilir, Kuala Lumpur, Malaysia. Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +60 13 270 8440

Beijing: OIS SERVICES, Unit 1 Suite 1801, Kun Sha Building, 16 Xin Yuan Li Str, Chaoyang District, Beijing PRC Opening times: Monday to Friday (9am – 4pm) Tel: +861084004549
Shanghai: OIS SERVICES, Room 2025, 22/F, Catic Building, 212 Jiangning Road, Jing’an District, Shanghai, PRC Opening times: Monday to Friday (9am – 4pm) Tel: +862122306696
Guangzhou: OIS SERVICES, Unit 27/28, 41st Floor, R&F To-Win Building,30 Huaxia Rd, Tianhe District, Guangzhou PRC Opening times: Monday to Friday (9am – 4pm) Tel: +862089196634

Atlanta: OIS Services, Suite 204, 918 Holcomb bridge road, Roswell, Atlanta, GA 30076 Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +1 678 514 3263
Houston: OIS Services, Suite 745, 9894 Bissonnet Street, Houston, TX 77036 Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +1 713-771-1871
Los Angeles: OIS Services, Suite 302, 11222 S. La Cienega Blvd Inglewood, CA. 90304 Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +1 213 705 2978
New Jersey: 2983 John F. Kennedy Blvd. Suite 302, Jersey City, NJ 07306 Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +1 201 721 6196
New Jersey: AVANTE Technologies, 70 Washington Road, Princeton Junction, NJ 08550 Opening times: Monday to Friday (9:00am – 5:00pm) Tel: +1 (609) 799-8896
Washington: OIS, Washington DMV, 11900 Parklawn Drive, Suite 160, Rockville, MD, 20852. Opening times: Monday to Friday (9:00am – 4:00pm) Tel: +1 301-231-7000

Paris: OIS Service Paris current contact info: 69 rue de la Tour, 75016 Paris (DESKEO Center) France Phone: +33758077611, Monday to Friday (9:00am – 4:00pm)

Rome: Online Integrated Solutions SRL, Via Antonia Salandra, 18, Rome, 00187, Italy.
Enrolment fee: €40 Operational Hours: 10am – 4pm Tel: +39 (0) 642 27 2135

New Delhi: OIS Services, C/O Central Board of Irrigation & Power Plot No. 4, Ground Floor, Institutional Area Opp.: Sarvodaya School Malcha Marg, Chanakyapuri New Delhi 110021, Delhi, India. Opening times: Monday to Friday (10:00am – 4:00pm) Tel: +91 880 053 0119

KENYA: VFS Global (BVN Enrollment Centre)- 5th Floor, Parkfield Building, Muthangari Drive, Off Waiyaki Way, Westlands, Nairobi.  Working Hours – 08:00 to 15:00 (Monday to Friday), Email ID -bvninfokenya@vfshelpline.com , Helpline: +254 788 437606  

Fee: KES 3650. Mode of Payment is M-PESA (mobile wallet)

Melbourne : VFS Global (BVN Enrollment Centre)- Level 5, 11 Queens Road, Melbourne, Victoria – 3004. Working Hours: 09:00 to 15:00 (Monday to Friday) Tel: +612 9252 1152

Ankara: OIS Services Danismanlik Ltd. Sri Kazim Ozalo MH. Koza SK. No:35/3 Cankaya/Ankara Opening times: Monday-Friday 9:30am-1:00pm then 2:00pm-4:00pm Tel: 00903124382176, 00903124382175

Dar es Salaam:AVANTE Technologies, Alwahda House. Suite B106, 1st floor, Bibi Titi Mohamed Road, Mnazi Mmoja area, Dar es Salaam, Tanzania. Fee: 45USD or Equivalent in local currency. Operational Hours:Starts enrollments on the 5th of December, 2016 9:00am – 5:00pm. Email:tz@avanteglobalservices.com Tel:+255 (222) 112 810

Manila, Philippines: AVANTE Technologies, Unit 305-B Zeta II Building, Salcedo Street, Legaspi Village, Makati City Philippines 1229. Fee: 45USD or Equivalent in local currency. Operational Hours:Ready to start enrollments. 9:00 – 5:00. Email:ph@avanteglobalservices.com Tel:+632 759 5437


OIS Services, Beirut, Lebanon Jnah-Beirut Opposite Rafik Hariri University Hospital Mais 6 Building- 3Rd Floor P.O.Box 9 UNESCO. FEE: $45 or 68000 Lebanese Pounds. Time: 9am-4pm infobeirut@oisservices.com, 009611845138

feedback form

Below are some Commonly Asked Questions about the BVN Project.

Question 1: What is a BVN?
Answer: BVN means Bank Verification Number

Question 2: What is the Goal of the Bank Verification Number?
Answer: The purpose of the Bank Verification Number (BVN) is to uniquely verify the identity of each Bank’s customer for ‘know your customer’ (KYC) purposes.

Question 3: What is BVN Enrolment?
Answer: BVN Enrolment is the process of capturing a customer’s details which includes fingerprint and facial image after which a BVN is generated.

Question 4: How does a Customer get a BVN number?
Answer: A customer enrols at any branch of a bank where he or she has an account or intends to open an account.

Question 5: Must every customer have a BVN, is it Compulsory?
Answer: Yes it is.

Question 6: How long does it take to get a BVN?
Answer: It takes up to 24 hours after Enrolment to get a BVN.

Question 7: What is the Benefit of enrolling for a BVN?
Answer: The BVN helps to reduce fraud, increase the efficiency of banking operations and also enable customer access to future credit facilities.

Question 8: How is the BVN communicated to the customer?
Answer: Once the BVN is generated, the bank would inform you of your BVN. All customers would receive SMS alerts.

Question 9: If a customer forgets his or her BVN what should the customer do?
Answer: The customer should contact his or her bank where the enrolment was carried out, to retrieve the number.

Question 10: How and Where can you update customer information? For example, In case of change of address?
Answer: The customer goes to his/her bank and follows the bank’s processes for updating customer information. A customer can update his or her information only at the bank where he or she has an account.

Question 11: Does the BVN change when customers update their record?
Answer: No, the BVN doesn’t change.

Question 12: When does my BVN expire and how do I renew?
Answer: The BVN expires after 10 years. After 10 years of the issuance of the BVN, the customer goes back to his or her bank to re-enroll.

Question 13: Does my BVN number remain the same for Life?
Answer: Yes it does.

Question 14: Can a customer Enrol in one bank and get the BVN from another bank?
Answer: No. The customer can only pick up his or her BVN at any branch of the same Bank he or she enrolled.

Question 15: If a person steals another customers BVN and comes to the bank what happens?
Answer: The person’s live fingerprint will not match what is stored on the customer’s record.

Question 16: After the BVN has been generated, what next?
Answer: A customer’s identity can now be verified against their BVN.

Question 17: Does a customer have to be physically present to Enrol?
Answer: Yes, because the customer’s physical features e.g. fingerprints have to be captured.

Question 18: What is the Enrolment procedure for corporate accounts?
Answer: Individuals who are signatories to corporate accounts will enrol and their BVNs would be linked to the corporate account by the Banks.

Question 19: Can minors be Enroled?
Answer: No, only bank’s able adults can be enrolled.

Question 20: What is Verification?
Answer: Verification refers to the process of confirming a customer’s identity.

Question 21: What is Offline Verification?
Answer: Offline verification will authenticate the customer by comparing the fingerprint or the facial image with the data stored on the BVN card.

Question 22: What happens if a customer is an amputee?
Answer: The facial features of the customer will be captured as fingerprints will not be required for Amputees.

Question 23: Will biometric function be implemented on POS and ATM terminals, and if yes, how will it work?
Answer: It will be implemented at a later stage. More details to come.

Question 24: How would Bank customers Living outside Nigeria Enrol?
Answer: Bank customers living outside Nigeria would have to come back to the country to enroll.

Question 25: Who does a customer contact with regards to any biometrics complaint?
Answer: The customer should contact his/her bank.

Question 26: Would a customer have to go to all Banks where he/she has an account to Enrol?
Answer: No, once a customer is enrolled at one bank and a BVN is generated, the customer only has to take the BVN to other banks to link such accounts.

Question 27: Are customers’ information secure?
Answer: Yes they are, the details are encrypted and stored in a secure database.

Question 28: Is it possible to start an enrolment and finish later? Can it be saved like a draft?
Answer: No, because the enrolment is done real time, it is necessary that it is completed in one session.

Question 29: What happens if a customer comes to enrol with bandaged or injured fingers?
Answer: Customers with injuries or bandaged fingers are advised to return for enrolment once fingers are healed. However if you require special exemption please contact your Bank.

Question 30: What happens to individuals that cannot write or are illiterates. How do they fill the enrolment form?
Answer: A customer service officer will assist the customer in filling the enrolment form.

Question 31: Can a customer choose which of his or her accounts will be linked to the BVN?
Answer: No, a customer cannot, all accounts would be linked.

Question 32: During Facial capture can a customer leave his/her glasses on?
Answer: No a customer cannot leave his or her glasses on during facial capture.

Question 33: What is the basic identification needed for enrolment?
Answer: It depends on the level of account the customer wants to open. Please contact your bank.

Question 34: For joint accounts how does the linking work?
Answer: All signatories of the accounts shall be linked.

Question 35: If a customer doesn’t have a means of identification can the customer’s data still be captured?
Answer: Yes, please refer to question 33.

Question 36: Are there Terms and Conditions to be agreed to by a customer before giving out his/her details?
Answer: Yes there are Agreement clauses at the end of the enrolment forms.

Question 37: After a customer has enrolled and collected his/her BVN, Would the customer still be required to provide another means of identification at the point of transaction?
Answer: A formal identification is not needed because verification is done at the point of transaction.

Question 38: Since I am a Bank customer and the Bank already has my information, do I have to fill an enrolment form?
Answer: Yes, everybody fills a form irrespective of an existing account holder.

Question 39: Is there a deadline for every bank customer to be enrolled?
Answer: Yes, CBN has Saturday 31st October 2015 as the deadline.

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