The 'update your BVN' message: how to tell it's a scam
What the message looks like
A text or WhatsApp message "from your bank" asking you to click a link or call a number to update your BVN or NIN.
How to tell it's a scam
The message says your account will be blocked or restricted today unless you 'update' or 'link' your BVN, and gives a link, a number to call or a form. Then they ask for your BVN, card details, PIN or the OTP your bank sends.
Your bank will not ask you to update your BVN through a link in a text or WhatsApp message, and no real bank staff will ever ask for your PIN or OTP. Anyone with those can empty your account.
If you're worried about your account, go to your bank's own app or branch, or call the number on the back of your card.
The tell: Your bank will never ask for your BVN, card PIN, password or one-time code (OTP) by text, call or WhatsApp. Call your bank on the number on your card.
Got one? Check it in seconds
Paste the message into Alice's free scam checker. It shows the warning signs and the exact words that set them off, and the check runs on your own device.
Check a messageAlready clicked, paid or shared details?
If you've sent money or shared your PIN or OTP, call your bank at once on the number on your card and ask them to block the account. Anyone who asks for a fee to recover your money is a second scam.
Where to report it in Nigeria
- Report fraud or a scam (free): the EFCC at efcc.gov.ng (Submit Petition, or the EFCC Eagle App), hotline +234 809 332 2644, info@efcc.gov.ng
- In danger now: call 112
- More support lines in Nigeria: findahelpline.com/countries/ng
Contacts checked on each organisation's own website, September 2026.
What to do with a message you're not sure about
- Don't click the link, reply, or call the number in the message.
- Check for yourself: open the company's own app, or type its website address yourself.
- If it claims to be family, call them on the number you already have.
- Report it (below), then delete it.
Warn your family or group chat
Scams work best on people who haven't seen them before.
Not sure? Ask Alice
Paste the message into a chat and choose "Is this a scam?". Alice lists the warning signs she can see, gives a verdict, and tells you where to report it. Leave out your own account numbers — she never needs them.
General guidance, not legal or financial advice. If money has already gone, contact your bank first.