Bank Verification Number Advanced (BVN)

Retrieve a full verified BVN profile including enrollment data, marital status, and customer photo.

POST /api/onboarding/nigeria_kyc/bvn_advanced/

BVN Advanced

cURL

curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/bvn_advanced/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "bvn": "22244545518",
  "date_of_birth": "1990-01-15"
}
'

400

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

The BVN Advanced endpoint provides a comprehensive view of a customer’s identity. In addition to standard BVN fields, it returns enrollment details, watchlist status, residential address, and a base64-encoded customer photo.

Endpoint

POST /api/onboarding/nigeria_kyc/bvn_advanced/

Request

Headers

Header	Value	Required
x-access-token	Your API secret key	Yes
Content-Type	application/json	Yes

Body Parameters

Parameter	Type	Required	Description
bvn	string	Yes	The customer’s 11-digit Bank Verification Number
date_of_birth	string	Yes	The customer’s date of birth in YYYY-MM-DD format

Example

cURL

curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/bvn_advanced/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bvn": "22000000001", "date_of_birth": "1990-01-15"}'

Response

200 OK

Field	Type	Description
data.bvn	string	The BVN that was queried
data.image	string	Base64-encoded JPEG of the customer’s registered photo
data.title	string	Honorific (e.g., "Mr", "Mrs")
data.gender	string	"male" or "female"
data.lastName	string	Customer’s last name
data.firstName	string	Customer’s first name
data.middleName	string	Customer’s middle name
data.dateOfBirth	string	Date of birth in YYYY-MM-DD format
data.phoneNumber1	string	Primary registered phone number
data.phoneNumber2	string	Secondary phone number (if available)
data.maritalStatus	string	e.g., "Single", "Married"
data.lgaOfOrigin	string	Local government area of origin
data.stateOfOrigin	string	State of origin
data.stateOfResidence	string	State of current residence
data.lgaOfResidence	string	LGA of residence (if available)
data.residentialAddress	string	Residential address (if available)
data.enrollmentBank	string	Bank code where BVN was enrolled
data.enrollmentBranch	string	Branch where BVN was enrolled
data.registrationDate	string	Date of BVN registration
data.levelOfAccount	string	CBN account tier level
data.watchListed	string	"YES" if on a watchlist, otherwise "NO"

{
  "status": "success",
  "data": {
    "bvn": "22000000001",
    "image": "<base64-encoded-jpeg>",
    "title": "Mr",
    "gender": "male",
    "lastName": "OMOLE",
    "firstName": "ABRAHAM",
    "middleName": "ISAAC",
    "nameOnCard": "",
    "dateOfBirth": "1909-09-19",
    "lgaOfOrigin": "Ado-Odo/Ota",
    "watchListed": "NO",
    "phoneNumber1": "09011001100",
    "phoneNumber2": "",
    "maritalStatus": "Single",
    "stateOfOrigin": "Ogun State",
    "enrollmentBank": "033",
    "levelOfAccount": "Level 1 - Low Level Accounts",
    "lgaOfResidence": "",
    "enrollmentBranch": "0517-OTA 2",
    "registrationDate": "2017-09-05",
    "stateOfResidence": "Ogun State",
    "residentialAddress": ""
  },
  "message": "Bank Verification Number details retrieved successfully"
}

400 Bad Request

{
  "status": "failed",
  "data": [],
  "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes"
}

401 Unauthorized

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

Authorizations

x-access-token · string · header · required

Your Adhere API secret key

Body

application/json

bvn · string · required

11-digit Bank Verification Number

Example:

"22244545518"

date_of_birth · string

Date of birth in YYYY-MM-DD format (optional, used for additional verification)

Example:

"1990-01-15"

Response

200

BVN advanced data retrieved