How to Retrieve Your BVN with Phone Number: A Simple Guide
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| How to Retrieve Your BVN with Phone Number: A Simple Guide |
In Nigeria, the Bank Verification Number (BVN) is a crucial piece of identity used across all banks and financial platforms. But what happens if you forget your BVN or lose access to your bank details? Thankfully, you can retrieve your BVN using your phone number — no need to visit the bank physically in most cases.
In this guide, we’ll explain how to retrieve your BVN with your phone number, highlight the best USSD codes for various banks and networks (like MTN, Airtel, and Glo), and answer some common questions about BVN access and security.
What is BVN?
BVN (Bank Verification Number) is an 11-digit number introduced by the Central Bank of Nigeria (CBN) to protect customer identity and reduce fraud in the banking system. It is unique to each individual and links all your bank accounts together.
How to Retrieve BVN with Phone Number
If the phone number you used during BVN registration is still active, you can retrieve your BVN by dialing a USSD code from that number.
General Code to Retrieve BVN:
*565*0#
- This code works for most networks, especially MTN, Airtel, Glo, and 9mobile.
- Simply dial
*565*0#from the same phone number used during BVN registration. - Your 11-digit BVN will appear on your screen (N20 fee may apply).
BVN Retrieval via Bank USSD Codes
If the general code doesn't work or you want to check via your bank's platform, here are some alternatives:
| Bank | USSD Code |
|---|---|
| Access Bank | *901# > Select BVN |
| GTBank | 73720*# |
| First Bank | *894# > BVN |
| UBA | *919# > BVN |
| Zenith Bank | *966# > BVN |
| Fidelity Bank | *770# > BVN |
Note: Make sure the phone number used to dial matches the one linked to your bank account.
Can I Retrieve BVN Without Phone Number?
No. To retrieve your BVN via USSD or app, your registered phone number must be active. If you’ve lost that SIM, you will need to:
- Visit your bank branch
- Provide valid ID and account details
- Request for BVN update or reissuance
How to Change BVN Phone Number
If your old number is no longer accessible, you can change your BVN phone number by visiting your bank with:
- Valid ID (NIN, Voter’s Card, or International Passport)
- Your new phone number
- A written request (some banks require it)
Loan Apps That Require Only BVN or None
Some loan apps require your BVN for verification, while others don’t. Here’s a quick list:
Loan Apps Without BVN:
- FairMoney
- Palmcredit
- QuickCheck
- Carbon
- Okash
Be cautious: Apps not requiring BVN may have limited loan amounts and strict conditions. Also, avoid fake apps that request BVN details for fraud.
Retrieving your BVN using your phone number is easy and can be done in seconds using the correct USSD code. Just make sure you use the SIM linked to your BVN registration. If you’ve changed numbers, visit your bank to update it. Always guard your BVN carefully to prevent fraud.
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