How to Update Your NID for Nepali Banks From Your Phone in 2026: Complete Home Guide
If you have a bank account in Nepal, there is an important NID update you should not ignore.
Nepal Rastra Bank (NRB) has introduced updated requirements around National Identity Card (NID) information and customer identification. For many existing bank customers, updating their National ID details can now be handled through digital channels, meaning you may not necessarily have to spend hours waiting at a bank branch.
The latest Nepal updates are particularly important for customers whose bank accounts were opened before Magh 1, 2080. Under the revised framework, these customers are required to update their National ID details by the end of Ashwin 2083. Accounts that remain unverified after the applicable deadline may face restrictions on certain services or high-value transactions.
The good news? The banking system is increasingly moving toward mobile-based KYC and digital identity verification.
So, if you are searching for how to update your NID from your phone for Nepali banks, this guide explains what the latest change means, what you need, how the process generally works and what you should do if your bank does not yet offer the option through its mobile app.
how to update NID in Nepali bank account online
What Is the Latest NID Update for Nepali Bank Customers?
National Identity Card information is becoming increasingly important in Nepal's financial system as banks and payment service providers strengthen their Know Your Customer (KYC) procedures.
In July 2026, Nepal Rastra Bank revised its regulatory framework concerning National ID information. The changes are intended to improve customer identification and strengthen measures against financial fraud, cybercrime and money laundering.
One of the most important points for existing customers is the requirement for certain older accounts to have their NID information updated by the end of Ashwin 2083.
This does not mean every customer should panic about having their account immediately frozen. The revised framework is more flexible than the earlier approach, and customers who do not yet have an NID are treated differently from customers who already possess one. Recent reporting on the amendment says banks are no longer permitted to simply freeze accounts solely because a customer has not yet obtained an NID.
Nevertheless, if you already have your National Identity Card or National ID number, updating your bank records is a smart step to take now rather than waiting until the deadline.
Can You Update Your NID From Your Phone?
In many cases, yes — but the exact process depends on your bank.
This is an important distinction.
There is currently no single universal "NID update for every bank" button that works identically across all Nepali banks. Individual banks can provide their own mobile banking, internet banking, digital KYC or customer-information-update process.
Some banks are already offering extensive digital KYC services. For example, Nabil's nBank app advertises digital KYC that can be completed online, including a virtual KYC session where required.
Other banks are also expanding online account and identity services. Nepal Bank, for example, provides online identity-verification functionality and its digital account-opening system includes fields for National ID number, issue details and NID document uploads.
Therefore, the safest approach is:
Open your bank's official mobile banking app → look for KYC/Profile/Personal Information/Customer Information Update → enter your NID details → verify → submit.
The wording can differ from one bank to another.
What You Need Before Updating Your NID From Your Phone
Before starting the process, keep the following information ready:
1. Your National ID Number
You should have your National ID number available.
Double-check every digit before submitting it. A single incorrect number can cause identity verification to fail.
2. Your Registered Mobile Number
Your bank account should normally be connected to a mobile number that you can access.
You may need an OTP to verify the request.
3. Your Mobile Banking App
Install the official mobile banking application of your bank from a trusted app store.
Avoid downloading APK files from unknown websites or clicking suspicious links sent through social media.
4. Your NID Card
Keep your National Identity Card nearby.
Depending on the bank's system, you may need to enter your NID number or upload photographs/scans of your identity document.
5. Stable Internet Connection
Because identity verification may involve OTPs, document uploads or biometric/face verification, a reliable internet connection can make the process much easier.
How to Update Your NID for Nepali Banks From Home
Here is the short procedure to update your NID from your phone for Nepali banks.
Step 1: Open Your Bank's Official Mobile App
Open your bank's official mobile banking application.
Log in using your normal credentials.
If you have not registered for mobile banking, you may first have to activate the service. For example, Nepal Bank's mobile banking service allows customers to self-register through its app using their registered mobile number and account number, followed by activation through an SMS/OTP process.
Step 2: Find the KYC or Profile Section
After logging in, look for an option such as:
- KYC Update
- KYC
- Update Profile
- Customer Information
- Personal Information
- My Profile
- Update NID
- Identity Verification
The exact name will depend on your bank.
If you cannot find the option, check the app's menu, service section or notifications.
Step 3: Select National ID/NID
Once you reach the customer-information or KYC section, look for the National Identity Card field.
Enter your:
National ID Number
Make sure the number matches your official NID record.
Some digital banking systems may also request NID issue details or a copy of the card.
Step 4: Upload Your NID if Requested
If your bank asks for an NID document, take a clear photograph or upload a good-quality image.
Make sure:
- Your name is readable.
- The NID number is clearly visible.
- The photograph is not blurry.
- There is no glare covering important information.
- The entire document is visible.
- You upload the correct side if both sides are requested.
For example, Nepal Bank's online identity-verification system currently asks users for the NID number, issue information and images of the front and back of the National ID card in relevant digital application workflows.
Step 5: Complete OTP or Identity Verification
Your bank may send an OTP to your registered mobile number.
Enter the OTP carefully.
Some banks may additionally require:
- Face verification
- Video KYC
- Biometric verification
- Additional document verification
- Confirmation through an existing banking channel
Do not share an OTP with another person, including someone claiming to be a bank employee.
Step 6: Review Your Information
Before pressing Submit, carefully check:
- Full name
- Date of birth
- NID number
- Address
- Mobile number
- Other KYC information
If anything is incorrect, correct it before submitting where the system allows.
Step 7: Submit and Save the Confirmation
Submit your updated information.
If your bank provides a confirmation number, screenshot it or save the confirmation message.
Your update may be processed instantly or may require review by the bank.
If your status remains "pending," do not repeatedly submit the form. Give the bank time to process the request.
What If Your Bank Does Not Have an NID Update Option?
Don't worry.
Not every bank app necessarily provides the same functionality.
If you cannot find a KYC or NID update option, check your bank's:
- Official website
- Internet banking portal
- Mobile banking app notifications
- Customer-care service
- Official social media pages
- Nearest branch
The bank may provide a separate digital KYC portal rather than placing the service directly inside its mobile banking application.
Nepal Bank, for example, publishes dedicated digital banking services and KYC-related notices on its official platforms. Its website currently lists a KYC update notice among its general customer notices.
This is why customers should avoid relying on random Facebook posts or unofficial websites for banking instructions.
What Are the Benefits of Updating NID Online?
The biggest advantage is convenience.
No Long Branch Queue
You may be able to complete the update without physically visiting a bank branch.
Saves Time
Instead of taking time off work or travelling to your branch, you can potentially complete the process from your home.
Digital KYC
The move toward digital KYC makes it easier for banks to maintain updated customer records.
Better Customer Identification
NID-based verification gives banks a stronger method of identifying customers and maintaining accurate records.
More Convenient Banking
As banks increasingly integrate digital identity systems, customers can expect more banking services to move to mobile platforms.
This trend is already visible across Nepal's financial ecosystem. For example, Global IME Bank has introduced a service allowing eligible customers registered with Nagarik App to use their National ID-based information when opening an account online, subject to the bank's verification process.
Key Highlights of the Latest Nepal Banking NID Update
Here are the most important points to remember.
1. Existing Customers Should Check Their NID Status
If you already have an NID, check whether your bank has your National ID information.
Don't assume that because you have an NID card, your bank automatically has the number in its KYC records.
2. Ashwin 2083 Is an Important Deadline
For relevant existing accounts, the revised requirement sets the end of Ashwin 2083 as the timeframe for updating National ID details.
3. Older Accounts Are Particularly Relevant
The revised provision specifically addresses accounts opened before Magh 1, 2080.
4. Not Having an NID Is Different From Not Updating an Existing NID
Customers who have not yet obtained an NID are not necessarily in the same position as customers who already possess an NID but have failed to provide the information to their bank.
The revised framework has introduced flexibility for customers who have not obtained their National ID.
5. Digital Banking Is Becoming More Important
Banks are increasingly offering digital KYC, mobile banking and online verification services.
That means customers should regularly check their banking app for new KYC and profile-update features.
Don't Confuse Bank NID Updates With Digital Wallet Updates
This is another important point in the latest Nepali Banking updates.
Nepal Rastra Bank has also introduced National ID-related requirements for licensed payment service providers and digital wallets.
Under the amended payment-system directive, wallet providers must verify the electronic National ID record for Nepali citizens when opening wallets. Existing wallet users with an NID are also required to update their wallet details with their National ID number within the applicable timeframe.
So there are potentially two separate updates you may need to think about:
Bank account → Update NID with your bank
Digital wallet → Update NID with your wallet provider
Updating one does not automatically mean the other has been completed.
Is Updating NID Online Safe?
Digital KYC can be convenient, but you need to be careful.
Your National ID number is sensitive personal information.
Always follow these safety rules:
Use Only Official Apps
Download your bank's application from Google Play or Apple's App Store.
Never Share OTPs
Banks should not require you to disclose your OTP to another person over the phone.
Avoid Suspicious Links
If you receive a message saying "Your bank account will be blocked — click here to update NID," do not immediately click the link.
Open your bank's official app yourself.
Check the App Developer
Before installing a banking app, verify that it is published by the actual bank.
Don't Upload Your NID to Random Websites
Your NID should only be submitted through an official bank, government or authorized platform.
What Happens If You Don't Update Your NID?
The consequences depend on your circumstances and the applicable banking requirements.
The latest framework does not simply mean that every account without an NID will immediately be frozen.
However, relevant older accounts that remain unverified after the applicable deadline may be subject to restrictions on certain banking services and high-value transactions.
For this reason, if you already have your NID, there is little reason to wait.
Update your information early and avoid last-minute problems.
Quick Checklist: Update Your Bank NID From Home
Before you begin, make sure you have:
- National ID number
- NID card
- Mobile phone
- Bank-registered mobile number
- Active mobile banking/internet banking
- Reliable internet connection
- Clear NID photographs if document upload is required
- OTP access
Then follow:
Bank app → Login → KYC/Profile → National ID → Enter NID → Verify → Submit → Save confirmation
Remember that the exact menu names and verification requirements can vary between banks.
Frequently Asked Questions
Can I update my NID in my bank account from my phone?
In many cases, yes. Banks are increasingly providing digital KYC and customer-information services. However, the exact process differs between banks, so check your bank's official app or website first.
Do I have to visit my bank branch?
Not necessarily. If your bank supports digital KYC/NID updating, you may be able to complete the process remotely. Some cases may still require additional verification or a branch visit.
What is the deadline for updating NID in relevant older bank accounts?
The revised framework provides until the end of Ashwin 2083 for relevant customers to update their National ID details.
What if I don't have a National ID yet?
The latest rules provide more flexibility for people who have not yet obtained an NID. Banks are not simply supposed to freeze accounts solely because a customer has not obtained one.
Is NID the same as KYC?
No. NID is an identity document/identifier, while KYC (Know Your Customer) is the broader process banks use to identify and verify customers and maintain relevant customer information.
Your NID can therefore become an important component of your bank's KYC records.
Can I update NID for my digital wallet too?
Yes, but the wallet update is a separate process. NRB's amended payment-system rules also require applicable digital-wallet providers to incorporate National ID verification and customer updates.
Final Takeaway
The latest Nepal updates show that banking in Nepal is moving rapidly toward digital identity verification and mobile-based KYC.
If you already have a National Identity Card and maintain a bank account, now is a good time to check whether your bank has your NID information on record.
The process can be surprisingly simple:
Open your bank app → find KYC/Profile → select NID → enter your National ID details → complete verification → submit.
The exact procedure will depend on your bank, and some customers may still be asked to complete additional verification.
With the Ashwin 2083 deadline approaching for relevant existing accounts, customers should not wait until the last minute.
For more Nepali Banking updates, keep checking your bank's official mobile application and website rather than relying on unofficial messages. Nepal Rastra Bank's official circular archive is also a useful place to follow regulatory changes affecting banks and financial institutions.
In short: if you have your NID, check your bank app today. You may be able to complete the update from your phone without standing in a branch queue.
