How To Link NIN/BVN to Bank Account Online, And Via USSD Code

Banks are now calling their customers to Link their NIN/BVN to Bank Account. Here is easy way to  link your NIN or BVN to your account online or through short code USSD Dial *966*NIN#.

With the recent directive from the Central Bank of Nigeria (CBN) and the National Identity Management Commission (NIMC), it is now mandatory for all bank account holders in Nigeria to link their National Identification Number (NIN) or Bank Verification Number (BVN) to their bank accounts. This measure aims to enhance the security of banking transactions and reduce fraudulent activities.

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Banks Required To Link NIN/BVN to Bank Account

Here is step-by-step guide to any one who wish to link his NIN, or BVN to ant bank account. The guide in this post is for all bank.

  • Access Bank Plc
  • Fidelity Bank Plc
  • First City Monument Bank Limited
  • First Bank of Nigeria Limited
  • Guaranty Trust Holding Company Plc
  • Union Bank of Nigeria Plc
  • United Bank for Africa Plc
  • Zenith Bank Plc
  • Citibank Nigeria Limited
  • Ecobank Nigeria
  • Heritage Bank Plc
  • Keystone Bank Limited
  • Optimus Bank Limited[2]
  • Polaris Bank Limited. The successor to Skye Bank Plc.[3]
  • Stanbic IBTC Bank Plc
  • Standard Chartered
  • Sterling Bank Plc
  • Titan Trust bank
  • Unity Bank Plc
  • Wema Bank Plc
  • Globus Bank Limited
  • Parallex Bank Limited
  • PremiumTrust Bank Limited
  • Providus Bank Limited
  • SunTrust Bank Nigeria Limited
  • Jaiz Bank Plc
  • Lotus Bank
  • TAJBank Limited
  • Mutual Trust Microfinance Bank
  • FairMoney Microfinance Bank
  • Sparkle Bank
  • Kuda Bank
  • Moniepoint Microfinance Bank
  • Opay
  • Dot Microfinance Bank
  • Palmpay
  • Mkobo MFB

Why is it important to link your NIN/BVN to your bank account?

Linking your NIN and BVN to your bank account is crucial for several reasons:

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  1. Compliance: It is a regulatory requirement set by the CBN and NIMC. Failure to comply may result in limitations on your banking transactions.
  2. Security: Linking your NIN, BVN to your bank account adds an extra layer of security, reducing the risk of unauthorized access and fraud.
  3. Seamless Transactions: By linking your NIN as well as BVN, you can enjoy uninterrupted access to banking services and perform transactions without any hassle.

How To Link Your NIN and BVN To bank Account through SMS

To link your NIN and BVN to your bank account through SMS, follow these steps:

1. Open the messaging app on your mobile phone.

2. Compose a new message.

3. Type the code provided by your bank for NIN and BVN linking. This code may vary depending on your bank, so it is important to check with your bank for the correct code.

4. After typing the code, leave a space and enter your NIN number. 5. Leave another space and enter your BVN number.

6. Double-check the accuracy of the NIN and BVN numbers to ensure they are correct.

7. Send the message to the designated phone number provided by your bank.

Once the message is sent, you will receive a confirmation message from your bank indicating that your NIN and BVN have been successfully linked to your bank account.

How to link your NIN/BVN to your bank account

The process of linking your NIN and BVN to your bank account can vary slightly depending on the bank you are associated with. However, here is a general guide:

  1. Visit your bank’s website or mobile banking app.
  2. Log in to your account using your username and password.
  3. Locate the option to link your NIN/BVN to your account. This may be under the “Settings” or “Profile” section.
  4. Enter your NIN and BVN in the designated field.
  5. Review the information entered and confirm the linkage.
  6. If prompted, provide any additional information or documentation required by your bank.
  7. Submit the request and wait for confirmation. This may take a few minutes or a few days, depending on the bank’s processing time.

It is important to note that some banks may require you to visit a branch in person to complete the linkage process. In such cases, you may need to bring your original NIN card or BVN slip along with a valid identification document.

Tips for a smooth linking process

To ensure a smooth linking process, consider the following tips:

  • Double-check your details: Make sure you enter your NIN/BVN correctly to avoid any errors or delays.
  • Keep your contact information updated: Ensure that your mobile number and email address registered with the bank are up to date. This will help you receive timely notifications and updates regarding the linking process.
  • Follow instructions carefully: Pay attention to any specific instructions provided by your bank regarding the linking process. This will help you avoid any unnecessary complications.
  • Be patient: The linking process may take some time, especially during peak periods. Be patient and allow the bank sufficient time to process your request.


Linking your NIN/BVN to your bank account is a necessary step to comply with regulatory requirements and enhance the security of your banking transactions. By following the steps provided by your bank and keeping the necessary documents handy, you can easily complete the linking process. Remember to stay vigilant and report any suspicious activities to your bank immediately.


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