How To Check If Your BVN is Blacklisted in Nigeria (2023)

How to know if your BVN is blacklisted, simply head to the NIBSS BVN platform, and you will see a box: “Check Your BVN Status”, type your BVN number in the box. Then, click on the “Check” button. If you have a blacklisted BVN, the following message will be displayed: “Your BVN is blacklisted. Please visit any bank for further information.“

Being a Nigerian citizen, possessing a Bank Verification Number (BVN) is an essential requirement for initiating banking activities or engaging in financial transactions. The BVN functions as an exclusive identification code, facilitating the Central Bank of Nigeria (CBN) in recording and safeguarding an individual’s biometric particulars and financial history within a protected repository.

The objective of this blog article is to furnish a thorough manual on confirming the status of your BVN regarding blacklisting in Nigeria. This will encompass elucidation on the grounds for BVN blacklisting, the potential ramifications tied to possessing a blacklisted BVN, and the procedural measures imperative for rectifying this concern.

How to know if your BVN is Blacklisted online

To check whether your BVN is blacklisted or not, follow the steps given below:

  • Online – You can check BVN online by logging in to your internet banking portal. If your BVN is active, it will be displayed on the first page.
  • 9mobile – To check BVN through 9mobile, dial *565*0#
  • Airtel – To check BVN through Airtel, dial *565*0#
  • Glo – To check BVN through Glo, dial *565*0#
  • MTN – To check BVN through MTN, dial *565*0#

What are the reasons your BVN can be blacklisted? (Things to avoid)

Your BVN can be blacklisted due to several reasons. Listed below are the several reasons your BVN can be blacklisted: 

  • if your account is flagged for suspicious activities. 
  • Inability to repay your loan. 
  • Standing as a guarantor to someone who has defaulted on his or her loan.
  • If your account had been used to get a loan by a fraudster. 
  • Issuing a flop cheque for an amount higher than your actual bank cash balance. 
  • If you are on the Central Bank Of Nigeria (CBN) watchlist because your account is used for illegal transactions.

How to know if your BVN is Blacklisted online

To check if your BVN has been blacklisted, simply access the BVN portal platform, and you’ll come across a section labelled “Check Your BVN Status.” Simply input your BVN number into the designated box and proceed to click the “Check” button.

In the event that your BVN is blacklisted, you’ll encounter the following message: “Your BVN has been blacklisted. Kindly visit any bank for further information.”

Alternatively, you have the option to navigate to the website of the Credit Bureaus of Nigeria, where you can request a complimentary credit analysis report. This report will furnish you with comprehensive insights into your financial standing, detailing any outstanding obligations to banks or other financial institutions, along with corresponding amounts owed. Additionally, a list of blacklisted BVNs is accessible on the website of the National Identity Management Commission (NIMC).

Should you wish to avail yourself of licensed Credit Bureaus within Nigeria, the following establishments are available:

  • CRC Credit Bureau Limited
  • CreditConnection
  • FirstCentral Credit Bureau

For a similar BVN article, read our comprehensive article on how to change all your BVN details online and how to get your BVN details on your phone.

How to check if your BVN has been blacklisted with your Bank

Alternatively, you have the option to verify your BVN status through the following methods:

  1. Access your bank’s Internet Banking portal online. Upon logging in, if your BVN is not flagged as blacklisted, it will be visible on the dashboard.
  2. To check your BVN using any of the mobile network carriers in Nigeria, simply dial the BVN USSD code: *565*0#.

What happens to you if your BVN is blacklisted

New Loan Application Rejection

Securing a new loan becomes a challenge as lenders review your BVN status during their background checks, leading to the rejection of your loan application due to blacklisting.

Read our comprehensive article on the list of all USSD loan codes for banks in Nigeria.

Job Application Denial

Prospective employers often conduct comprehensive background and credit history assessments on job seekers. With a blacklisted BVN, your chances of landing your desired job diminish, hindering the approval of your job application.

VISA Application Rejection

Having a blacklisted BVN can impede your pursuit of opportunities abroad. Embassies require financial stability when granting VISAs, ensuring that applicants won’t become a financial burden in their destination country.

Exclusion from Government Benefits

Individuals with blacklisted BVNs may find themselves ineligible for various government loans and benefits, curtailing their access to these important resources.

Banking Restrictions

Accessing financial services becomes problematic with a blacklisted BVN. Opening a bank account, a fundamental requirement becomes unattainable. Moreover, receiving payments becomes a hurdle you must overcome.

Steps to remove your BVN from the blacklisted list

If you keep getting errors in trying to get your BVN details, it might be that your BVN is blacklisted.

You can safely remove your BVN from the blacklisted list by taking these steps to remove the restrictions: 

Feel free to visit any of the Credit Analysis Reporting Agencies and ask for your Credit Analysis Report. This report will include the name of the Bank or Financial institution you have a debt with and the specific amount you owe them.

After you’ve obtained your Credit Analysis Report, get in touch with the Bank or Financial institution to settle your outstanding loan. If you happened to borrow money using a downloaded application, log into the app and clear your loan there.

Once you’ve successfully repaid your loan, request a Clearance Certificate or a Letter of Non-Indebtedness from the Bank or Financial Institution that provided you with the loan. Forward this Clearance Certificate or Letter of Non-Indebtedness from the Bank or Financial Institution to the Credit Bureau for verification purposes.

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