Wema Bank

NIN was requested at every Wema Bank visit Liners logged, but unlike most banks in the study, BVN never blocked the process from starting at any visit. Proof of address came up at 3 of 7 visits.

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 Wema Bank branch with your NIN, and BVN and proof of address if requested.
2. Fill out the account opening form.
3. Wait to be attended to, this typically ran 10 to 20 minutes in the study.
4. Your account number typically arrives by SMS.

Nobody was told their transaction limits at any Wema Bank visit Liners logged, so ask directly. If a debit card is issued, the FUTA branch quoted the lowest fee of any bank in the 2026 field study: ₦1,000.

Wema Bank is a Nigerian commercial bank that offers personal and business banking, loans, cards, and digital banking. You can bank through its website, ALAT, or USSD services for things like balance checks, transfers, airtime recharge, and bill payments.

Wema Bank operates in Nigeria.

You can sign up through ALAT on the web or mobile app, or open an account using the *945# USSD code. You can also open some accounts at a Wema Bank branch.