Why is BVN Code not Working?

BVN, an acronym for Bank Verification Number, is a unique 11-digit number issued by the Central Bank of Nigeria (CBN) to all bank account holders in the country. It serves as a biometric identification system aimed at ensuring the security of financial transactions and reducing fraud. However, despite its significance, there are instances where individuals encounter issues with their BVN codes not working. Understanding the reasons behind this problem is crucial for finding appropriate solutions and resolving the issue efficiently.

Common Reasons for BVN Code Not Working

  1. Incorrect Input: One of the most common reasons for a BVN code not working is simply an error in inputting the number. Ensure you are entering the correct 11-digit BVN code provided by your bank. Double-check the numbers and make sure there are no typos or incorrect characters.
  2. BVN Not Properly Linked: Sometimes, even with the correct BVN code, it may not work if it is not properly linked to your bank account. This can happen during account opening or when updating personal information. Contact your bank to confirm that your BVN is correctly associated with your account.
  3. BVN Not Activated: In some cases, the BVN code may not be activated. This can occur when the initial registration process was not completed or if there was a delay in activating the BVN. Contact your bank to initiate the activation process and ensure your BVN is fully functional.
  4. Blocked BVN: Your BVN may be blocked due to suspicious activities or fraudulent transactions. This can happen if your account is compromised or if you have been involved in any illegal activities. Contact your bank immediately to investigate the issue and resolve the situation.
  5. System Outage or Maintenance: Occasionally, banks may experience system outages or maintenance issues that can temporarily affect BVN functionality. During these times, you may encounter errors or delays when trying to use your BVN. Check with your bank to see if there are any known outages or maintenance activities that could be impacting your BVN.

Troubleshooting s When BVN Code is Not Working

  • Verify BVN Code: Start by double-checking the BVN code you are using. Ensure it is the correct 11-digit number provided by your bank and that there are no errors in inputting the characters.
  • Contact Bank: If you are certain the BVN code is correct, contact your bank’s customer service department. Explain the issue you are facing and provide them with your BVN and relevant account details. They will be able to investigate the problem and provide you with a solution.
  • Visit Bank Branch: In some cases, it may be necessary to visit a physical bank branch to resolve the issue. Bring your BVN code, a valid ID card, and any other relevant documents that may be required. The bank staff will be able to assist you in resolving the problem and ensuring your BVN is functioning properly.
  • Check for System Outages: If you are unable to reach your bank or visit a branch, check their official website or social media channels for any announcements regarding system outages or maintenance activities. This information can help you determine if the issue is temporary and when it is likely to be resolved.

Remember, your BVN is a sensitive piece of information, and it is essential to protect it from unauthorized access or fraudulent activities. If you suspect any suspicious activity related to your BVN, contact your bank immediately. Additionally, keep your BVN confidential and avoid sharing it with unauthorized individuals or websites.


A non-functional BVN code can be a frustrating experience, but it’s important to remain calm and follow the appropriate troubleshooting steps. By verifying the BVN code, contacting your bank, and checking for system outages, you can often resolve the issue quickly and easily. If the problem persists, visiting a bank branch may be necessary to address the situation directly. Protecting your BVN and being vigilant about any suspicious activities are crucial for maintaining the security and integrity of your financial transactions.

Frequently Asked Questions (FAQs)

1. Can I use my BVN code from one bank in another bank?

No, your BVN code is unique to the bank that issued it. It cannot be used across different banks.

2. What should I do if I have forgotten my BVN code?

You can contact your bank’s customer service department or visit a branch to retrieve your BVN code. You may need to provide your ID card and other relevant documents for verification purposes.

3. Can I change my BVN code?

BVN codes are permanent and cannot be changed. If you need to update your personal information associated with your BVN, you can do so through your bank.

4. What are the security risks associated with sharing my BVN code?

Sharing your BVN code with unauthorized individuals or websites can put your financial security at risk. It can lead to identity theft, fraudulent transactions, and unauthorized access to your bank accounts.

5. What should I do if I suspect fraudulent activity related to my BVN?

If you suspect any suspicious activity related to your BVN, contact your bank immediately. They will be able to investigate the issue and take appropriate action to protect your financial accounts.



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