In Nigeria, adding a person to your account usually means opening a joint account with co-ownership, not simply 'adding' to an existing account. Some banks allow adding account managers/signatories. Here is what you need to know.
Joint Accounts 101
A joint account lets two or more people share access. Banks require both parties to visit with valid ID, passport photos and, often, the account-opening form — then each person's BVN and signature are captured.
Your Options
- Joint account: co-owned from the start.
- Add a signatory: grant transaction authority on business accounts where policy allows.
- Third-party mandates: limited access for specific tasks.
What Banks Require
- Valid IDs and BVN for both parties.
- Passport photographs.
- Completed joint account application.
- Proof of address where requested.
Risks to Weigh
Joint ownership means either holder can transact; disputes and debt risk apply. Only add people you deeply trust and understand the 'either-to-sign' rule.
FAQ
Can I add someone without them visiting?
Most Nigerian banks require both parties present with IDs.
Can I remove someone later?
Removal is complex and usually needs both parties' consent or closure of the account.
Related: Open a GTBank Account and Bank Sort Codes.