89 thoughts on “How to upgrade your bank account in Nigeria”

  1. Thanks for enlighten us about this but If the name on the national ID card doesn’t match the name on the Bvn what is going to happen or if the date of birth is different is this going to cause issues for upgrading an account

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  2. No if someone want to upgrade account now for example he/she set up Bvn at GTBank and the name on the Bvn is adeola Aishat muyiwa and the name supposed to be muyiwa adeola aishat and he get to another bank to set up another bank account like Uba bank is it the name on the GTBank Bvn that will show up at Uba bank but I know she can change it back but the date of birth on that account hope it won’t have any issues while upgrading the account

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    • When you go to a bank to open a account, try and use the name on your bvn as your account name cause if it differs, you might have a problem linking your bvn to the new account.

      If your name states muyiwa as the last name, ademola as the first name and aishat as the middle name on the bvn, kindly use that or I will advise you to change your bvn name arrangement if it is wrong.

      Hope I answered your question though I didn’t really understood your question.

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  3. My issues is that the date of birth in my ID card is deffrent from the one in bVN what am I going to do now

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    • Why dropping comments with different usernames?

      Bet you’re the person that commented above!

      In most cases, bank will ask for a court affidavit, but I will advise you to go to the bank with the ID. If they detect it, they will tell you what to do and the next step to take.

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  4. Please sir, about the nepa bill address and my real house address. I once thought the address on the voter’s card should be thesame with the address on the nepa bill or bank don’t use the address on I’d card?

    Because me now, I’ve went to my home town now, it’s almost 5years ago. And my account hasn’t been upgraded. Presently, my account is under restriction because I sent more than 50k into it by last week Tuesday. So, that is why I’m confused now. So, in the form I’ll be given at the bank, is itthe same address on my friend’s nepa bill I should write down right? Thanks for enlightening us sir

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    • First, bank don’t care about the address on your ID but rather your name and date of birth.

      You can get an ID today and relocate to another location after two years, and you can’t change the ID. This is why banks require the customer to come with an utility bill especially the last three months in order to know or get the customer’s current home address.

      Like I said, make sure to write the address you saw on the bill in the space provided for it. If you go and write the address of your hometown whilst the address on your utility bill is different, you’re are contradicting yourself. Bank won’t accept that.

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  5. Pls the name I used in opening the acct is different from my present I.d card due to marriage ,how do I reconcile that in my bank upgrade

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  6. Please I wasn’t asked for any letter… while I went for an upgrade
    And the form I was given was an update form In zenith bank

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    • If you read the post you will see where I stated “move to the customer service section and speak with the customer service representative. Request that you want to upgrade or update your bank account”.

      The right word is account update.

      Wow, so the bank didn’t ask you to write a formal letter for the update? Maybe they have exempted that. BTW, thanks for the info.

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  7. Pls what if address on my ID card is way different from the utility bill is it still ok
    For example if i did the NIN in Lagos and the utility bills address is ogun state will it affect the upgrade

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    • Did the bank requested a KYC(know your customer) from you?

      If you have money in the account and can’t transfer or withdraw from the account, it simply means your account has been frozen. Maybe because of the KYC or bvn.

      What you have to do is to try to withdraw and if it didn’t go through, then move to the bank and know the reason why debit transaction isn’t going through.

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  8. Its been 6 days since I went to my bank for account upgrade but since then I’ve not gotten any text message/notification from my bank that account have been upgraded. What could be the problem?

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  9. Pls sir can some one change or edit a name used in bank acc savings for ..NIN Id purpose
    This is it the first name appeared on my nin Id is not same with my bank but same surname .. and since id is required to upgrade my acc what should I do because of the name that appeared to be different but same surname ?

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    • Why didn’t you opened your account with your original name?

      This means changing your bvn name as well cause the bvn name must match the account name. In this situation you will need a court affidavit and newspaper publication.

      First, you must go to the bank and know the requirements needed to change your bank account name.

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  10. Sorry so in this case …to upgrade my acc with my nin Id as required with the name in it can’t work ..b/c of the name difference

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    • You must go with an ID that matches your bank account name, since you said your nin ID first name is different from the first name on your bank account, the bank won’t accept it unless you makes changes to your bank account name and also your bvn name.

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    • A court affidavit is written statement from an individual which is sworn to be true. You will get in the court, or probably within a court premises.

      Newspaper publication to showcase your full name. Can be done in any newspaper around you. First go to the bank to know their say in your case but give them a very good valid reason. The reason you stated above is quite complicated, so find another good reason.

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        • Let me ask you this question please, did you opened the account using your mobile phone cause I don’t see the why you would open an account without your real name.

          First name and last name matters most. If it is an instant account, the bank might think that the account is not yours, or you’re not the one that opened the account.

          However, if it is not a level 1 account, then you’re lot safer. You just tell them that you did a change of name and no longer bear the previous first name anymore, that this name ….. is now your first name and you would want that to reflect on your bank account.

          They will give the requirements needed to make the changes but it is usually a court affidavit and a newspaper publication along with an ID.

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          • The name I use in opening the acc was my real name …just the nin reg was a little bit issue cos when I reg nin I didn’t have the acc then then I lost my nin Id till because of change of name I opened an acc with my full name it was this issue of upgrade that came about with nin Id and I did lost it B4 now went to reprint it found out the name was different

          • You know you’re funny guy, the truth here is that you enroll for nin with a fake name thinking maybe you will not need the ID in the future, now look at the situation.

            Since the nin didn’t match your bank account name, maybe you should get a driver’s license, cause voters card will only be available from next year or next two years. Remember, if you have an international passport, you can use that as well.

  11. Can I change the entire name of my BVN due to change of faith,will it work?
    Can all the names be changed?

    And if it can’t be changed how can I upgrade my account if my ID name is different from the account name because I use a Muslim name then while opening my account but now I’m now a Christian so I use my Christian name in my ID card ,what can I do to upgrade the account?

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    • In this case you did a change of name cause it will affect every aspect of previous information including your school certificate, etc.

      And when there’s a change of name, you must get a court affidavit, a newspaper publication, etc about the change of name.

      So what you have to do is to go to the bank with the court affidavit, newspaper publication and an ID that shows your new name. Definitely the bank will make the changes on your bvn name, and your bank account name as well.

      Remember the bank will ask you the reason why you would want to change the entire name on your bvn and your account name, so you have to explain the reason(s) to them.

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  12. My question is recently nepa bill is not like the one we use before…can we use this current one that is paid on phone? You know the address and others does not show clearly!

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    • You mean the prepaid meter, what you have to do is to go their office to make a payment in order to have a receipt that you will present to the bank. Even if you can pay N2k just to have the receipt, you should do that.

      Also you can present a house rent bill or any other utility bill that shows your home address.

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  13. Please I went to the bank on Friday to upgrade my bank account,till now I have not seen any messages that it has been upgrade.how long does it take for it to be upgraded.(union bank)

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  14. Please I went to the bank on Friday to upgrade my bank account,till now I have not seen any messages that it has been upgrade.how long does it take for it to be upgraded.(union bank)

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  15. For the account update the date of birth is not shown on my NIN slip but the date on birth on my NIN and bank are not the same can the bank detect it?

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    • Yes the will, you just got things complicated.

      If the bank ask you to present an ID, it should bear your name and date of birth cause that is what matters most.

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  16. If you want to open a new account and the name on your old account did not tally with the name on the new account.Will they be any possibility of you get a new BVN since the name on the new account differs from the name on the BVN.

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    • Why would such happen?

      Why wouldn’t the name on the old bank account not match the name on the new bank account?

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  17. Please the money that entered my account is more than 50k and i open bank without bvn in gtbank and I was enable to do transaction, what can I do.

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    • Honestly I didn’t understand your question properly.

      First, you have to enroll for bvn in order to withdraw the money, and whereas the bank should have notified you about the transaction cause it it may have exceeded the maximum single cash deposit.

      In order to withdraw or make any debit transaction on your account, you must link a bvn to the bank account.

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    • You can use a rent bill as well.

      If you don’t have an utility bill then you can borrow from someone else cause you need an utility bill to update your bank account in Nigeria.

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    • In this type of scenario you will have to write the address on the utility bill as your home address.

      If you’re not comfortable with this, then you need to go to the nepa office and request for a personal meter for your house or compound. By doing so, you will have a NEPA bill.

      Remember, you can use any other utility bill if you have one, and not just the nepa bill.

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  18. Please my account got freezed and i was told i need to upgrade it
    Now i have a national id card but the surname isnt the same with the one i used for the account
    Can i use it like that or can i use my mom or dads own

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    • If the surname on your ID is different from the surname on your bank account, it simply means the ID is not yours unless you did a change of name.

      You can’t use your parents ID cause the names on the ID must match the names on your bank account.

      I don’t understand why you enrolled for an ID and used a fake surname or probably a surname that isn’t yours!

      Maybe you should get a driver’s license cause bank won’t accept that ID. Remember, the names on your ID must match the names on your bank account.

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  19. My case is quite complicating ma
    I was in a hurry to open an account cos my uncle abroad wanted to send me money and I never wanted it sent to my dad’s or mom’s account
    So I quickly opened a bank account with my phone
    My real name ought to be Isaac Victor Kalu but because of the pattern the names were asked, I mistakenly wrote Kalu Victor Isaac and I also feigned my date of birth from 2003 to 2002 and the account was successful opened
    I was redirected to the bank to process my bvn and others

    Now I need to upgrade my account and I have done my nin and it all corresponds to my real identity and there is no way I can upgrade the account with the nin since it does not tarry with the account I’d

    Please help me ma’am

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    • You can easily correct the name arrangement by using an ID, there’s no big deal on it.

      For the date of birth, I will advise you to go get a court affidavit. Since your nin has your correct date of birth, kindly get a court affidavit and along with the nin ID, go to the bank you did your bvn and request for a bvn ammendment.

      You can explain to the bank that the wrong date of birth was a pure mistake, and this very one on your nin is the correct date of birth. Bank will make the ammendment.

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    • Yes you can use the nin slip for the upgrade as long as there’s a nin number on the slip.

      The bank will verify your nin info through the nin number.

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  20. I receive 52k on my bank account and i was unable to withdraw it,and i went to bank,they told me i cant upgrade my accoun until i’m 18 yrs.
    and i was told to come with my mom with her nin and utility bill,i just want to ask that,will i able to withdraw immediately ?

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    • Upgrading usually takes 48hrs to 72hrs depending on the bank, but you won’t be able to withdraw the money until the upgrade is finalized.

      So you have to exercise a bit of patience.

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  21. Hi..I credited my gtbank mobile wallet with 40000 not knowing that the amount limit is 20000 per day so I was told to upgrade my account before I can have access to my money.
    I went to the bank 5days ago I provided all necessary documents and I was told that they will finish the upgrading in 5days time so yesterday I received a text that my email and mobile number is successful updated so I tried to make a transfer but still showing that I haven’t update my account.
    Please when will they upgrade my account

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    • You have to exercise patience, for you to receive a text message that your email and phone number has been updated simply means the bank worked on your bank account that very day.

      So give it from now till Tuesday and definitely your account will be updated or upgraded.

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    • Linking of bvn will remove the restriction of making withdrawals or debit transaction, you don’t have to go to the bank to link your bvn to your bank account.

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  22. Pls,need to update my acc.my bvn names shows joseph ekpa joe while on my id card is joseph ekpa emmanuel.4 now im restricted from making any transaction

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