The Bank Verification Number (BVN) is now mandatory for various financial activities in Nigeria. Without one, you can not open a functional bank account, secure a loan, or carry out various financial transactions in Nigeria.

While obtaining a BVN initially requires a bank visit, retrieving your existing number can be done conveniently without setting foot in a branch. Here’s how:

BVN number retrieval

Retrieve Your BVN Using USSD:

To retrieve your existing BVN number, follow the below steps:

  1. Dial *565#: This USSD code works across all Nigerian banks and mobile networks.
  2. Ensure the phone number: Use the phone number registered with your BVN for this process.
  3. Receive your BVN: You’ll receive a text message containing your 11-digit BVN number.
  4. Service fee: A N20 service charge will be deducted from your mobile phone credit.

Additional Retrieval Methods:

  • Mobile Banking App: Some banks allow BVN retrieval through their mobile banking apps. Check your bank’s app for specific instructions. This method might require an active bank account and online banking registration.
  • Contact your bank: If the above methods don’t work, contact your bank’s customer service hotline for assistance.

Important Note: It is not possible to register or apply for a new BVN online or without going to a bank or designated enrolment center. Getting a BVN for the first time involves capturing biometric data (fingerprints and facial image), which requires you to be physically present.

Therefore, the above methods of retrieving your BVN number can only work after you have registered for one at your bank.

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Q: What if I don’t have the phone number linked to my BVN?

A: Unfortunately, retrieving your BVN through USSD or mobile banking won’t be possible. You’ll need to visit your bank branch or contact their customer service for assistance.

Q: Is there a fee for retrieving my BVN using USSD?

A: Yes, a N20 service charge will be deducted from your mobile phone credit.

Q: Is retrieving my BVN through USSD safe?

A: Using the official NIBSS USSD code (5650#) is considered safe. However, be cautious of any unsolicited messages or requests for additional information beyond your BVN.

Q: Can I share my BVN with anyone?

A: It’s highly recommended to never share your BVN with anyone, including friends, family, or strangers. Sharing your BVN puts you at risk of fraudulent activities.


  • Never share your BVN with anyone.
  • Be cautious of unauthorized requests for your BVN.
  • If unsure about any BVN-related process, contact your bank directly.

Your BVN is important for various financial activities in Nigeria, including loans, etc. By understanding these options and following safety guidelines, you can easily retrieve your BVN and maintain control of your financial information.


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