Polaris Bank Limited

NIN was requested at every one of the 10 Polaris Bank visits Liners logged, the largest sample in the study. BVN blocked the process from starting at 6 of 10 visits, and proof of address came up at 6 of 10, though no visit specifically demanded a utility bill; other proof-of-address documents were accepted.

This lines up with the wider Nigerian market. In Liners' 2026 Naira account opening study, NIN was requested in 96 of 100 walk-in visits overall, and BVN blocked the process from starting entirely at 42 of them.

1. Visit a Polaris Bank branch with your NIN, BVN and proof of address.
2. Fill out the account opening form, if one's available. At the Agodi branch in Ibadan, staff had no physical form at all and simply had the researcher download the VULTe app and open the account on the spot instead.
3. Wait to be attended to, half of the logged visits were seen within 10 minutes.
4. Your account number typically arrives by SMS.

Polaris Bank was rated 5 out of 5 at every single one of its 10 logged visits, the most consistent top rating in the whole study, according to Liners' 2026 field study.

Polaris Bank Limited is a Nigerian commercial bank that offers retail banking through its website and digital channels, including VULTe for everyday banking, account opening, cards, loans, transfers, and branch or ATM lookup.

Polaris Bank Limited operates in Nigeria.

You can sign up online through the account opening flow on its website or in the VULTe app. The bank also offers USSD onboarding through *833# for instant account opening.