Step-by-Step Guide to Using the Virtual NIN (vNIN)

The Virtual NIN (vNIN) is a secure, 16-digit number that can be generated and shared instead of your permanent NIN. It helps protect your data from identity theft by providing a unique code for each transaction.

Here’s how to use it.

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📌 Step 1: Install the NIMC Mobile App

• Download the “NIMC Mobile ID” app from the Google Play Store or Apple App Store.
• Install and log in with your NIN and the phone number linked to your NIN.
• An OTP (One-Time Password) will be sent to your registered line for verification.

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📌 Step 2: Generate Your Virtual NIN (vNIN)

There are two main ways to generate it:

🔹 Option 1: Using USSD (*346#)

1. Dial *346# on your registered phone number.
2. Select the “Virtual NIN” option.
3. Enter the Enterprise Shortcode of the organization requesting your NIN (e.g., bank, telecom).
4. You’ll receive a 16-digit vNIN via SMS.

🔹 Option 2: Using the NIMC Mobile App

1. Log in to the app.
2. Tap “Get Virtual NIN”.
3. Enter the organization’s Enterprise ID (shortcode).
4. The app will generate a 16-digit vNIN instantly.

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📌 Step 3: Share Your vNIN with Service Providers

• Provide the 16-digit vNIN instead of your permanent NIN.
• The organization (bank, telecom, government agency) will use it to verify your identity.
• Each vNIN is unique to that organization and transaction.

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📌 Step 4: Confirm Successful Verification

• Once the organization validates your vNIN, your identity will be confirmed.
• You’ll receive a notification or SMS confirming successful use.

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📌 Step 5: Keep Your NIN Safe

• Use vNIN whenever possible to avoid exposing your permanent NIN.
• Only generate vNIN for trusted organizations (banks, telecoms, schools, etc.).
• Each vNIN is temporary and cannot be reused by another entity.

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✅ Final Tips

• Generating vNIN via USSD may attract a ₦20 service fee.
• Always use your registered SIM linked to your NIN.
• If you change your phone number, update it with NIMC before generating vNIN.
• The vNIN is more secure and strongly recommended for all identity verifications.