Nigeria NUBAN Validator Tool
We don’t store or log your account details. Validation happens in your browser.
Account Number Breakdown
What to do next:
- • Double-check you entered all 10 digits correctly
- • Confirm you selected the correct bank
- • Contact your bank to verify the account number
- • Never send money to an account you can’t verify
Next Step:
Account valid? Great. Now verify the account name matches who you’re paying before you hit send.
How the NUBAN Validator Tool Works
Every Nigerian bank account number follows a strict 10-digit format called NUBAN (Nigeria Uniform Bank Account Number). It’s not random. The last digit is calculated mathematically from the first nine digits, which means we can verify if an account number is genuine without contacting the bank.
Here’s the basic structure:
NUBAN Format:
ABC XXXXXX Y
- ABC = 3-digit bank code (unique to each bank)
- XXXXXX = 6-digit serial number (your account’s unique ID)
- Y = 1-digit check digit (calculated from the first 9 digits)
The check digit uses something called modulus 10 arithmetic. The Central Bank of Nigeria (CBN) designed this system so banks could catch typos and fake account numbers immediately. When you type an account number into a banking app, it runs this same check in milliseconds.
Check Digit Formula:
Check Digit = 10 – ((3×D₁ + 7×D₂ + 3×D₃ + 3×D₄ + 7×D₅ + 3×D₆ + 3×D₇ + 7×D₈ + 3×D₉) mod 10)
Where D₁ to D₉ are the first nine digits of the account number
Common NUBAN Mistakes That Cause Failed Transfers
Wrong Bank Selected
This is the number one issue. An account number might be mathematically valid, but if you select GTBank when the account is actually with First Bank, the transfer will fail. Each bank has its own 3-digit code prefix.
Swapped or Missing Digits
People often flip two numbers (typing 2034 instead of 2043) or miss a digit entirely. The check digit catches these errors instantly. If you’re getting an invalid result, go digit by digit and compare against the original source.
Quick Tip:
Always copy-paste account numbers instead of typing them manually. One wrong digit can send your money to a stranger’s account, and Nigerian banks rarely reverse completed transfers.
Understanding Bank Codes in Nigeria
Every Nigerian bank has a unique 3-digit code that forms the first three digits of all their account numbers. This code is assigned by the Central Bank of Nigeria (CBN) and never changes.
| Bank Name | Bank Code | Sample Valid NUBAN |
|---|---|---|
| Access Bank | 044 | 0441234567 |
| Zenith Bank | 057 | 0571234567 |
| GTBank | 058 | 0581234567 |
| First Bank | 011 | 0111234567 |
| UBA | 033 | 0331234567 |
Note: The sample NUBANs in the table above are format examples only, not real accounts.
Who Uses NUBAN Validation and Why
Freelancers and Remote Workers
If you’re receiving payment from a client or paying a contractor, you want to catch account number errors before money moves. A single typo can delay payment by days while banks investigate.
Small Business Owners
When you’re paying multiple suppliers or employees, batch transfer errors are expensive. Many businesses validate all account numbers in their payment spreadsheet before uploading to their bank’s portal.
What Happens When You Enter an Invalid NUBAN
Let’s say you type 0123456789 and select Access Bank. The tool calculates what the 10th digit should be based on the first nine digits. If it doesn’t match the digit you entered, the account number is mathematically impossible and our tool marks it invalid.
Can this tool tell me who owns an account number?
No. This tool only validates the mathematical structure of the NUBAN. It doesn’t connect to any bank’s database or reveal account holder names.
Is my account information stored or logged?
Absolutely not. Everything happens in your browser. No data is sent to any server, stored in cookies, or logged anywhere.
What if the tool says valid but my transfer still fails?
NUBAN validation only checks if the account number structure is correct. It doesn’t verify that the account actually exists, is active, or belongs to the person you think it does.
Final Safety Reminder:
A valid NUBAN is necessary but not sufficient. Always verify the account name matches who you’re paying before you complete any transfer.