What is a Virtual National Identification Number (vNIN)?
vNIN is a temporary digital code that represents your NIN. Think of it as a temporary password that helps protect your real NIN from exposure when you need to verify your identity.
What is the difference between NIN and vNIN?
NIN is your permanent identification number that contains your personal information.
vNIN is a temporary code that hides your real NIN when you need to verify your identity.
Using vNIN is like using a temporary password instead of sharing your actual password.
Why vNIN?
Enhanced Privacy & Security – vNIN protects your NIN by providing a temporary, encrypted alternative, keeping your information safe.
Fraud Prevention – vNIN reduces identity theft risk by preventing direct NIN sharing with third parties.
Seamless Verification – Many institutions accept vNIN for KYC, making verification easy and efficient.
Time-Saving – Speeds up authentication by skipping physical ID checks.
How do I generate my vNIN?
There are two ways to get your virtual NIN (vNIN). The first option is to use the NIMC Personal Mobile App, while the second option is via a USSD code (Dial *346*3# on your registered mobile phone number). You can also learn more here.
❗NB: Generating a vNIN via USSD attracts a NGN 20 charge, but don't worry, we will reimburse you after you successfully verify your account.
What is my Agent Code/Enterprise Code?
The Enterprise Code for Chipper Cash is 5101519
Will a new vNIN token be generated each time, or is it reusable?
New Token Each Time: A new vNIN is generated for every request.
Valid for 72 Hours: The token expires after 72 hours or once used.
If Verification Fails:
The token stays valid for 72 hours if a network issue occurs.
You can retry without generating a new one.
Re-verification: Verified users can generate a new token if needed.
NIMC App vs. USSD Tokens:
Tokens from the NIMC app and USSD are different.
You can use either as long as you generate the OTP.
One-Time Use: Each token can only be verified once. A new one is needed for another attempt.
Is the vNIN at a cost?
USSD: Generating a vNIN via USSD attracts a NGN 20 charge, but don't worry, we will reimburse you after you successfully verify your account.
NIMC App: Generating a vNIN via the NIMC app is FREE.
What can I use to generate my vNIN?
The vNIN can be generated using the phone number you used to register your NIN.
I have lost the phone number I used to register my NIN
Please visit the nearest NIMC office to update the information on your NIN.
Do you need further assistance?