How to Open a Bank Account Online in Nigeria (Full Guide 2025)

Opening a bank account in Nigeria that requires regorous steps are requirement has become much easier thanks to the rise of digital banking.

Today, most Nigerian banks allow you to open an account online without visiting a branch, making banking faster, more convenient, and accessible from anywhere in the country.

This guide will walk you through the process using major Nigerian banks.

Why Open a Bank Account Online?

Convenience: No need to visit a branch.

Quick Setup: Many accounts are ready within minutes.

Access to Digital Services: Mobile banking, USSD banking, and online transfers.

Security: Banks use encryption and verification to protect your account.

REQUIREMENTS FOR OPENING AN ACCOUNT ONLINE IN NIGERIA

While each bank has slightly different requirements, the following are commonly needed:

1. Valid Identification:

National ID card, International Passport, or Driver’s License.

2. Proof of Address:

Utility bills, tenancy agreement, or any official letter with your name and address.

3. Phone Number & Email Address:

Active for verification and alerts.

4. Passport Photograph:

Recent photograph may be required for some banks.

5. BVN (Bank Verification Number):

Required by most banks in Nigeria to prevent fraud.

HOW TO OPEN AN ONLINE ACCOUNT WITH MAJOR NIGERIAN BANKS

1. GTBank (Guaranty Trust Bank)

App: GTWorld

Process:

1. Download the GTWorld app.

2. Choose “Open an Account.”

3. Provide your personal details and BVN.

4. Upload your ID and take a selfie for verification.

5. Fund your account (optional for some account types).

Account Ready: Within minutes for most customers.

2. Zenith Bank

App: Zenith Mobile

Process:

1. Download the app from Play Store or App Store.

2. Select “Open Account.”

3. Fill in your personal details and BVN.

4. Upload your ID and verify your phone number.

5. Your account will be created digitally, and you receive account details via email.

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3. Access Bank

App: Access More

Process:

1. Download Access Bank app.

2. Click on “Open Account.”

3. Enter BVN, phone number, and personal information.

4. Upload required documents.

5. Account number is provided immediately in the app.

4. First Bank of Nigeria

App: FirstMobile

Process:

1. Download FirstMobile app.

2. Choose “Open Account.”

3. Provide your details and BVN.

4. Upload identification documents.

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5. Your account is activated instantly, and a virtual account number is given.

5. Polaris Bank

App: Polaris Bank Mobile App

Process:

1. Download the app.

2. Tap on “Open Account.”

3. Enter personal information and BVN.

4. Upload a valid ID and selfie.

5. Receive your account details immediately.

TIPS FOR A SMOOTH ONLINE ACCOUNT OPENING

1. Ensure Your BVN is Active: Some banks will not proceed if your BVN is not verified.

2. Use a Valid Phone Number: OTP verification is required.

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3. Check Your Internet Connection: A stable connection ensures your documents upload successfully.

4. Choose the Right Account Type: Some accounts have minimum deposit requirements or are savings-focused.

Conclusion

Yes, you can open a bank account online in Nigeria, and many top banks have made it easy to do so with mobile apps. Whether you choose GTBank, Zenith, Access, First Bank, or Polaris, the process is straightforward, secure, and fast. Online account opening is ideal for busy individuals, freelancers, and anyone who wants instant access to banking services without visiting a branch.