How to Retrieve BVN without Phone Number

Retrieving your BVN in the event of a phone number loss can seem quite challenging. However, the process may seem daunting, fear not!

In this article, we will show you how to retrieve your BVN without a phone number so you can access your funds and continue your financial activities with ease. 

Whether you are a first-time account holder or a seasoned banker, this guide answers how to retrieve your BVN without phone number explains how you can get your BVN, and helps you get your BVN back in no time. 
 

What is a Bank Verification Number (BVN)?

In 2014, the Central Bank of Nigeria (CBN) implemented a groundbreaking system known as the Bank Verification Number (BVN). This system assigns a distinct and exclusive 11-digit identification number to individuals in Nigeria. Your Bank Verification Number is as significant as your account number, as it is mandatory for every bank account holder to have a Bank Verification Number. The BVN is linked to an individual's biometric data and personal information, including their fingerprints, photograph and signature. This makes it an essential component of banking in Nigeria.

Recommended: Requirements for Opening a Bank Account in Nigeria
 

Why is a Bank Verification Number Important?

The purpose of BVN is to provide a unique identity for each bank holder, to help combat fraud and improve the security of banking transactions in Nigeria. It enables financial institutions to verify and authenticate the identity of their customer accounts and also helps to protect customers’ account from unauthorized access or fraud. 

You will need your BVN for tasks like opening a new bank account, linking accounts across banks, applying for a loan, verifying your identity for digital banking, and conducting high-value transactions. If you’re locked out of your registered phone number, not being able to access your BVN can delay all of these.

BVN Retrieval Codes and Costs at a Glance

How to retrieve your Bank Verification Number without a phone number

In most cases, BVN is linked to a particular phone number so retrieving your Bank Verification Number always requires a phone number. 
 

However, if you need to retrieve your Bank Verification Number (BVN) but do not have access to the phone number associated with the account, there are five easy steps you can take to do so.
 

Step 1: Make your way to the closest branch of your bank

The first step in retrieving your BVN without your phone number is to visit your bank. This is the easiest and most straightforward way to retrieve your BVN. You will need to provide some form of identification to prove your identity, such as your International Passport, National ID Card, or Driver's License. Once your identity is verified, your BVN will be retrieved for you.

If you are wondering how to get bvn number without going to bank, note that this step is the primary alternative when digital retrieval isn’t an option.
 

Step 2: BVN Retrieval Portal 

You can retrieve your BVN without a phone number by visiting the BVN retrieval portal provided by the Central Bank of Nigeria (CBN). You can access the portal by typing "BVN Retrieval Portal" into a google search engine. 

This NIBSS link, the BVN Validation Portal, lets you submit your personal details online to request your BVN.
 

Once you are on the BVN retrieval portal website, you will need to fill in the required information. This includes your first name, last name, date of birth, and any other personal information requested on the portal. Be sure to double-check that you have entered your information correctly to avoid errors.

You will also be requested to give alternative contact information such as an email address or an additional phone number that you have access to. 

Once you submit your request, you will need to visit a bank branch with a valid means of identification to retrieve your BVN.
 

Step 3: Use the BVN Lookup Tool

If you are unable to visit a bank branch, another option is to use the BVN lookup tool provided by the Central Bank of Nigeria (CBN). This tool allows you to search for your BVN using your personal information, such as your first name, last name, and date of birth. To use the BVN lookup tool, follow these steps:

• Go to the BVN lookup page on the CBN website.
• Provide your surname, first name, and date of birth.
• Enter the security code exactly as it is displayed on the page. (for users wondering how to get bvn code or how to check for bvn, this step is crucial.)
• Click on "Lookup BVN."

In no time, your BVN will display on the screen. This method works well if you want to check your BVN without visiting a bank branch and if you have access to another phone or device, you can also use it to see how to get your BVN number on your phone remotely.
 

Step 4: BVN Helpdesk

You can also contact the NIBSS BVN Helpdesk directly on their toll-free line 0700-2255-226 or by emailing bvn@nibss-plc.com.ng. You will need to provide your personal information and a valid means of identification to verify your identity. 
 

Step 5: Visit a National Identity Management Commission (NIMC) Office

If you have enrolled for the National Identification Number (NIN) and have it handy, you can visit a nearby NIMC office. They can assist you in retrieving your BVN using your NIN and other identification documents. Ensure you bring valid identification, including your NIN, to facilitate the retrieval process.
 

Recommended - How to check NIN Number on MTN, Glo, Airtel, 9mobile, and online

How to keep your Bank Verification Number (BVN) safe

Here are some of the ways you can keep your BVN safe:

1. Do not share your BVN 

Treat your BVN as sensitive information and avoid sharing it with anyone, including strangers or individuals claiming to be bank representatives. Your BVN should only be provided to authorized entities such as your bank or relevant government agencies when necessary.

2. Safeguard your documents

Keep important documents containing your BVN, such as bank statements or identification cards, in a secure place. Store them in a locked drawer or a safe to prevent unauthorized access.

3. Regularly monitor your accounts

Vigilantly monitor your bank statements and transaction history, promptly reporting any suspicious activity to your bank without delay. Promptly reporting any unauthorized transactions can help protect your finances and prevent further harm.

4. Update your contact information 

Ensure that your contact details are regularly updated and current with your bank. This ensures that you receive important notifications and alerts regarding your account activity. Inform your bank promptly if your phone number or email address changes. 

How to Get BVN Online?

You can get your BVN online by logging into your bank’s mobile app or internet banking—it’s usually displayed under Account Information or Profile. Alternatively, visit the NIBSS BVN Validation Portal or dial 5650# from the phone number linked to your bank account (a ₦20 service fee applies see NIBSS’s official USSD page).

Businesses verifying customer identities at scale can’t rely on manual BVN lookups. Youverify helps banks and fintechs verify BVN, NIN, and other identity documents instantly through a single API. Book a demo today

Bottom Line

Retrieving your BVN without a registered phone number may require a bit of effort and documentation, but it is achievable. 

Whether by visiting the bank branch, contacting customer service, utilizing online portals, or seeking assistance from NIMC offices, there are options available to retrieve your BVN and regain access to your bank account. 

Always remember to carry valid identification documents to prove your identity during the retrieval process, and more importantly, to protect your Bank Verification Number from the wrong hands.