KYC on Monica is one screen: BVN or NIN + a selfie. The verification is required for compliance during normal hours. This guide walks through every field, the common rejection reasons, and how to fix them.
By the end you'll know exactly what to enter, what photos to take, and how to handle the edge cases (mismatched names, expired IDs, BVN issues).
What's in this guide
1. Choose BVN or NIN
Either works. BVN ties to your bank account; NIN is the national ID. Use the one whose name exactly matches your legal name on government records.
2. Take the selfie
Good lighting, face fully visible, no glasses or hats. The system runs liveness checks don't use a still photo.
3. What gets verified
Name match between BVN/NIN and the selfie's facial match. Mismatch = rejection.
4. Common rejection reasons
Name mismatch (married name vs maiden name on records). Selfie too dark. Glasses or face partially covered. Resolution too low.
5. Resolving issues
Update your BVN/NIN record at the issuing authority. Re-submit on Monica.
FAQ
BVN or NIN?
Either. Use the one matching your legal name.
Why was I rejected?
Most common: name mismatch or low-quality selfie.
Is my data safe?
Yes NDPA-aligned data protection, audited storage.