Bank Verification Number

Bank Verification Number (BVN) is the national ID system created by Nigerian banks to uniquely identified bank customers in the Nigerian banking ecosystem.

The banking ecosystem has also created a mechanism where all the bank accounts tied to a specific BVN could be gotten.

These endpoints allows you to get the bank accounts tied to a customer only after the customer has granted an explicit consent.

This works in a two-stage process where the initial API call initiates the process, and a One Time Password (OTP) is sent to the customer's registered phone or email address. When the customer provides this OTP, the second stage verifies the OTP and provides the BVN information.

Known issues

• OTP may not be delivered to the customer's phone on time or at all.

• OTP may be delivered to the customer's phone late due to GSM network delays

• Customer may not remember or have access to the phones or emails on record which means they may never be able to provide consent.

• The data returned may not be complete as banks may not have registered all the accounts for the customer.