Verification

What do I need to verify my identity?

Before you open your first account, we verify your identity once. Have these ready: | What you'll need | Why we need it | | --- | --- | | Phone number. A Nigerian number that can receive a 6-digit code | So we can reach you about your account and confirm it's really you | | BVN and NIN. Your 11-digit Bank Verification Number and 11-digit National Identification Number | Our bank partners are required by CBN to verify your identity. Your BVN and NIN are how we confirm who you are | | Government-issued ID. A clear photo of your NIN card, driver's licence, international passport or voter's card, plus its number. JPEG or PNG, up to 5 MB | To match the person applying to the identity on your BVN and NIN | | Proof of address. An electricity bill not older than 3 months (JPEG, PNG or PDF, up to 5 MB), your street address, city, state, meter number and distribution company | Banks must confirm where their customers live. A recent electricity bill is the standard proof | | Next of kin. Their name, relationship to you, mobile number and address | Someone we can contact about your account if we can't reach you | To start: 1. Go to Accounts, then select Open banking account. 2. Choose Individual and work through the five steps. Your name and date of birth fill in from your BVN and NIN records. 3. Select Submit application. You can leave and come back. Your application saves as you go, and you'll see Continue Application when you return. On the mobile app, the same form opens inside the app. Related: Why do you need my BVN and NIN? · What happens after I apply?

What documents does my business need?

To open accounts for a business, we verify the business and the people who own it. Every business type needs the same documents: Business Name, Company, Incorporated Trustees, Limited Partnership and Limited Liability Partnership. 1. Go to Accounts, select Open banking account (or Open account for new entity), then choose Business. 2. Enter your registration number and business type. We look the business up at the CAC and fill in its details. 3. Add every director or owner with 10% or more of the business, up to 10 people. Each person needs their BVN, NIN, date of birth, shareholding, address, electricity meter number and distribution company. The law requires banks to know who owns and controls a business, and those are the people we verify. 4. Upload the documents below, then select Submit application. | Document | What it is | Why we need it | | --- | --- | --- | | CAC certificate | Your certificate of registration from the Corporate Affairs Commission | Proves the business is legally registered | | TIN certificate | Your business Tax Identification Number | Confirms the business is registered for tax | | MEMART | Memorandum and Articles of Association | Shows who owns the business and who can act for it | | Utility bill | A recent bill for the business address | Confirms where the business operates | | SCUML certificate | Registration with the Special Control Unit against Money Laundering | Real estate businesses are required to register with SCUML, and banks must check it | | Board resolution | A signed decision by the directors to open the account. Use our board resolution template | Shows the business has authorised the account and who can operate it | Each file can be JPEG, PNG or PDF, up to 5 MB. Related: What happens after I apply? · Why do you need my BVN and NIN?

Why do you need my BVN and NIN?

Our bank partners are required by CBN to verify your identity. Your BVN and NIN are how we do that. We use them only for your banking application. When you enter each number, we look up its record and fill in your name and date of birth. The two records must agree on your gender and date of birth. If a number won't verify: | Message | What to do | | --- | --- | | We couldn't find a record for this BVN (or NIN) | Check the number for typos and try again | | Your BVN and NIN records don't match | Your two records disagree on gender or date of birth. Check you've entered your own numbers. If they're both correct, the record needs correcting at your bank or at NIMC | | The date of birth you entered does not match | Enter the date of birth exactly as it is on your BVN/NIN record | | This BVN (or NIN) is already verified on another account | Each BVN and NIN can be used on one Roofteller account. Sign in with that account, or contact us | Related: What do I need to verify my identity?

What happens after I apply?

After you submit, we email you to confirm we've received your application. There's nothing for you to do while it's being reviewed. | Status | What it means | What to do | | --- | --- | --- | | Under review | Our compliance team is checking your application | Nothing. We'll email you when it's done | | Action required | We need a small update | Open the email titled "Action needed on your banking application". Your application shows what to change at the top of the step. Update it and resubmit | | Active | You're approved | Open your first account. See How do I open an account? | Once you open an account, its account number can take a short while to appear. Until then you'll see "This account's details are still being set up. Check back shortly." Stuck, or unsure what to change? Chat with us from the chat bubble in the app, or email [email protected]. Related: How do I open an account? · What do I need to verify my identity?