How to Open a Bank Account Online without BVN (Step-By-Step Guide 2024)

  • December 13, 2023

Open Bank Account Online without BVN: Ever wondered, “Can I open a bank account online without going to the bank?”

We’ve got you covered! With the rise of fintech in Nigeria, banking has never been easier.

Today, we’ll delve into the steps on how to open a bank account online, especially without a BVN, in some of Nigeria’s top banks.

Digital Banking in Nigeria: A Brief Overview

Once upon a time, banking in Nigeria was a day’s event. Fast forward to today, and “how to open bank account online” is a burning question on the minds of many.

With just a smartphone, you can open a bank account online free in Nigeria and enjoy instant banking services.

We’re in the era of “open bank account online with phone”, and it’s exciting!

Check Out: Best Online Banks to Open in Nigeria

What is BVN and Why is it Important?

Before we dive in, let’s clear the air on BVN. BVN stands for Bank Verification Number – a unique identity for bank customers in Nigeria.

Remember the days when impersonation was rampant? The BVN effectively puts an end to that.

However, can you open a bank account online in Nigeria without BVN? Yes, but with conditions. We will get to that later.

Related: Best Loan Apps without BVN in Nigeria

Requirements for Opening an Account Online without BVN

  • Valid ID card: This could be your National ID, International Passport, Driver’s License, or Voter’s Card.
  • Passport photograph: A clear, recent digital photograph will suffice for most banks.
  • Utility bill: A recent utility bill, such as water, electricity, or telephone, can serve as proof of your address.

Steps to Open an Online Bank Account without BVN

  • Pick your desired bank
  • Visit the bank’s website
  • Locate the ‘Open an Account’ section
  • Fill out the online application
  • Upload the required documents
  • Review and submit
  • Wait for confirmation

NOTE: After following the steps above to open a Bank account without BVN, you may still need to visit the bank to get a BVN so as to get the full functionality of your account.

Talking about visiting the bank, let’s take a look at some banks that let you open an account without BVN and their procedures.

Check Out: How to Open a Dollar Account Online in Nigeria

A Deep Dive: Opening an Account Without BVN in Top Nigerian Banks

Zenith Bank

Open a Bank Account Online without BVN


  • Personal details.
  • Scanned copy of valid ID.
  • Digital passport photograph.


  • Go to Zenith Bank’s online portal.
  • Click on the ‘Open an Account’ section.
  • Follow the on-screen instructions, providing all the necessary details.
  • Once completed, you’ll receive a confirmation email or message.
  • Your new account is set up, and you can now access it online.

Access Bank


  • Full name and contact information.
  • Address verification document.
  • Scanned ID and photograph.


  • Navigate to the Access Bank online account opening page.
  • Select the type of account you wish to open.
  • Fill in your details in the required fields.
  • Submit and await a confirmation.
  • Voila! Your Access Bank account is set up.



  • Valid identification.
  • Personal and contact details.
  • Digital photograph.


  • Visit the UBA online banking portal.
  • Choose ‘Open an Account’.
  • Follow the step-by-step guide, providing the required details.
  • Once finished, expect an email confirming your new account.

See Also: Best Dollar Account App in Nigeria



  • Scanned copy of a valid ID.
  • Digital passport photo.
  • Personal details.


  • Head over to the FirstBank online platform.
  • Click on the ‘Open an Account’ option.
  • Input all required information as directed.
  • After completion, a confirmation will be sent to you.
  • Access your new FirstBank account via the platform.


Open a Bank Account Online without BVN


  • Digital copy of identification.
  • Personal information.
  • Digital passport photograph.


  • Visit GTBank’s online account opening page.
  • Select the type of account you want.
  • Follow the provided prompts, filling in your details.
  • Once you’ve finished, wait for a confirmation email or message.
  • You can now access your GTBank account online.

Related: Best Bank to Open a Domiciliary Account in Nigeria

The Pros and Cons of Banking Without BVN

For the spontaneous lot, the idea to open bank account online in Nigeria without BVN is tempting.

The process is faster and requires less paperwork. But hold up! Without your BVN, there are limitations.

While you can receive a small amount of money usually less than 50,000 Naira daily, transferring large sums might be a hurdle.

Read Also: Best Online Virtual Card Providers in Nigeria

Benefits of Online Bank Account Opening

In the digital age, the perks of online banking are numerous.

If you’ve pondered over “How to open savings bank account online?” or “Can I open a bank account online for free?” here’s why you should:

  • Convenience: Skip the queues. Open a bank account online in Nigeria from the comfort of your home.
  • Efficiency: Fast, easy, and hassle-free. Get instant access to your funds.
  • Flexibility: Whether you want to open a Zenith Bank account online, an Access Bank account online, or any other bank, the process is at your fingertips.

See Also: How to Send Money from Kenya to Nigeria

Open a Bank Account Online: Potential Risks and Limitations

While the prospect of opening a bank account online without BVN is tempting, there are risks:

  • Security Concerns: Your BVN is an added layer of security. Without it, there could be potential threats.
  • Service Limitations: Some services might be restricted on non-BVN accounts. This includes things like getting an instant 2 million naira loan without collateral in Nigeria.

Online Banking App without BVN – FAQs

What services are restricted on non-BVN accounts?

Accounts without BVN might have transaction limits and might not access services like an instant 2 million naira loan without collateral in Nigeria.

Can I link my BVN to my account later?

Yes, you can always update your profile to include your BVN later on.

Is my money safe in an account opened without BVN?

While banks prioritize security, always remember that BVN provides an added layer of protection.


Whether you’re aiming to open a GTBank account without BVN, open a Polaris Bank account without BVN, or another bank entirely, online banking in Nigeria is shaping the future.

With this guide, you now have the knowledge on opening a bank account online, even without a BVN.