How to Open Heritage Bank Account Without BVN: Are you looking for how you can open Heritage Bank account without BVN (Bank Verification Number)? If yes, then you are on the right page!
Heritage Bank is a trusted financial institution that offers various banking services to its customers.
One of the essential requirements for opening a bank account in Nigeria is the Bank Verification Number (BVN), a biometric identification system introduced by the Central Bank of Nigeria (CBN).
However, some individuals might wonder if it’s possible to open Heritage Bank account without a BVN or not.
In this article, we’ll explore the steps and options for opening Heritage Bank account without a BVN. So, stay with me and keep up!
Importance of BVN (Bank Verification Number)
The BVN is a unique identification number linked to an individual’s biometric data, such as fingerprints and facial features. It serves as a security measure to verify the identity of bank customers and prevent fraud.
While the BVN is a mandatory requirement for most banking transactions in Nigeria, there are exceptions and alternatives for those without BVNs.
Requirements for Opening Heritage Bank account Without BVN
To open Heritage Bank account without a BVN, you’ll need to meet specific requirements and follow a set of procedures. Here’s what you’ll typically need:
- You’ll need valid proof of identification, such as a National Identity Card, International Passport, or Driver’s License. These documents help establish your identity in the absence of a BVN.
- Proof of Address: Provide a utility bill, tenancy agreement, or any official document that confirms your residential address. This is a standard requirement for account opening.
- Recent Passport Photograph
Okay, now let’s move on to how you can open Heritage Bank account without BVN.
How to Open Heritage Bank Account Without BVN
Once you’ve gathered the necessary documents and completed the account opening form, follow these steps to open Heritage Bank account without a BVN:
The code to open Heritage Bank Account without BVN is *745#.
- Open the call app on your mobile phone
- Dial *745#
- Choose the option which says ‘open account’.
- Choose the option to open account without BVN
- Follow the on-screen command and fill in all the required fields.
- Once you are done, your Heritage Bank Account Number will be sent to you as sms.
Limitations of an Account Without BVN
It’s important to note that an account opened without a BVN may have certain limitations:
- Transaction Limits: Accounts without BVNs may have lower transaction limits compared to BVN-linked accounts. This means you might face restrictions on the amount you can withdraw or transfer.
- Limited Services: Some banking services and features may not be accessible to accounts without BVNs. For example, you may not be able to access online banking or use mobile banking apps.
- BVN Requirement in the Future: Banks in Nigeria are increasingly enforcing BVN requirements for various transactions. While you can open an account without a BVN, you may encounter limitations when it comes to more advanced banking services or transactions.
Obtaining a BVN Later
If you initially open Heritage Bank account without a BVN and later decide to obtain one, you can visit a designated BVN enrollment center to complete the registration process (e.g Bank).
Once you have a BVN, you can link it to your existing Heritage Bank account to access additional services and remove some limitations.
How to Open Heritage Bank Account Without BVN – FAQs
Can I open Heritage Bank account online?
Yes, you can open Heritage bank account online. All you have to do is to visit the bank online Internet banking to get started.
How do I open a Heritage Bank USSD code?
*745# is the USSD code for Heritage Bank account opening. After dialing, accept the mobile banking terms and continue following the prompts to create an account with Heritage Bank.
Does Heritage Bank have an app?
Yes, Heritage Bank has a mobile app. Their Mobile Banking App is available on iPhone, iPad, and Android devices. If you require full functionality access, you can log in to Heritage Online on your mobile device with internet access and a secure browser.
Which app is Heritage Bank using?
The Heritage Bank mobile app is HB Padie and it is available for download on the Google Play Store.
How do I check my heritage bank account details?
Using the phone number registered with your Heritage Bank account, dial *322*030# to check your account number. You can also check your Heritage Bank account number using the USSD code by following the steps below: Dial *322*030# on your mobile phone. Select the Option that says “Account Number”.
While having a BVN is a standard requirement for most banking transactions in Nigeria, it is possible to open Heritage Bank account without one.
By meeting the specified requirements, providing the necessary documents, and following the account opening process, you can establish an account with Heritage Bank.
Keep in mind that accounts without BVNs may have limitations on transaction amounts and available services. As banking practices evolve, it’s advisable to consider obtaining a BVN in the future to access a broader range of banking services and benefits.
Opening Heritage Bank account without a BVN provides an opportunity for individuals who have not yet obtained this identification number to start their banking journey with a trusted financial institution.
If you have any questions regarding this post simply leave us a comment in the comment box below and we will get back to you as soon as possible!
My name is Tiamiyu Abdulbazeet Olawale, the CEO of TechSpike.com.ng. He is a graduate of Electrical and Electronics Engineering at the University of Ilorin.