How To Link NIN To Bank Account

Linking Your NIN to Your Bank Account in Nigeria: A Comprehensive Guide.

How To Link NIN To Bank Account: The Nigerian government has mandated that all bank accounts in the country be linked with the National Identification Number (NIN) for improved security and financial inclusion. This guide provides a comprehensive overview of the process, outlining the various methods available to link your NIN to your bank account.

Understanding BVN and NIN

It’s important to clarify the difference between the Bank Verification Number (BVN) and NIN. The BVN, a unique 11-digit number, was already linked to bank accounts in Nigeria. The NIN, a unique 11-digit number issued by the National Identity Management Commission (NIMC), serves as a central identification number for all Nigerians. Linking your NIN to your bank account strengthens the security measures against fraudulent activities.

Methods to Link Your NIN to Your Bank Account

There are three primary methods to link your NIN to your bank account:

Through your bank’s Internet banking platform

  • Visit your bank’s official website and log in to your internet banking platform.
  • Locate the BVN/NIN linking option, which may vary depending on the bank’s interface.
  • Click on the new request option and enter your NIN.
  • Select the bank where your NIN was issued and answer any security questions.
  • Follow the on-screen instructions, which might involve entering a One-Time Password (OTP) sent to your registered phone number.

Visiting your bank branch

  • Visit any branch of your bank and approach a customer service representative.
  • Inform them about your intention to link your NIN to your bank account.
  • You will likely be required to provide a photocopy of your NIN slip and a duly completed form with your account details, phone number, and NIN.
  • The bank representative will process your request and guide you through the verification process.

Using SMS (text messaging)

  • Check with your bank for availability: Not all banks offer NIN linking via SMS. Contact your bank’s customer service department to inquire about the availability of this option.
  • Format the SMS correctly: If available, compose a new SMS following the format specified by your bank. This might involve including your BVN/NIN, your account number, and the BVN/NIN number.
  • Send the SMS to the designated number: Send the composed message to the specific phone number provided by your bank.
  • Receive confirmation: Upon successful linking, you will receive a confirmation message from your bank.

FAQs on Linking NIN to Bank Accounts in Nigeria

1. What happens if I don’t link my NIN to my bank account?

While the immediate consequences may vary depending on your bank, you will likely be unable to access certain banking services, such as making withdrawals, transfers, or even logging into your online banking platform. The specific limitations will be determined by your bank.

2. Can I link multiple NINs to one bank account?

No, as per regulations, only one NIN can be linked to a single bank account.

3. What if I encounter any challenges during the linking process?

If you face any difficulties while linking your NIN, the best course of action is to contact your bank’s customer service department for assistance. They can provide specific guidance and troubleshoot any issues you might encounter.

4. Do I need to link my NIN to all my bank accounts?

Yes, you need to link your NIN to each bank account you hold in Nigeria, regardless of the bank.

5. How long does it take to link NIN to a bank account?

The processing time for linking your NIN to your bank account can vary depending on the chosen method and your bank’s internal procedures. It could be instantaneous through online banking or take a few days if done through a branch visit.


Linking your National Identification Number (NIN) to your bank account in Nigeria is crucial for continued access to essential banking services and strengthens security measures. This guide has equipped you with the knowledge of three primary methods to complete the linking process: online banking, visiting your bank branch, and potentially using SMS (if offered by your bank). Remember to check with your bank for the most current information and deadlines, and don’t hesitate to seek their assistance if you encounter any challenges. By following these steps, you can fulfill the NIN linking requirement and contribute to a more secure and inclusive financial ecosystem in Nigeria.

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