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Explainer: A Comprehensive Framework of the Tax ID

Published

2 months ago

September 12, 2025

By Arabinrin Aderonke

In recent debates about Nigeria’s tax reforms, a widespread misconception has taken root: that citizens without a Tax Identification Number (TIN) cannot own or operate a bank account. This view, while popular in some quarters, is inaccurate.

The reality is that Nigeria’s tax system has evolved to integrate seamlessly with existing national registries, ensuring that every eligible individual or entity is automatically identifiable for tax purposes.

This article clarifies how the new framework works, drawing from the Federal Inland Revenue Service’s (FIRS) implementation of the National Taxpayer Directory under the Nigeria Tax Administration Act (2025).

What is a Tax ID?
The Tax Identification Number (TIN) is a 13-digit unique identifier for all taxable persons and entities in Nigeria. It encodes details such as issuance year, registry source (NIN for individuals, RC for corporates), state of registration, and a cryptographic fragment for security, ending with a check digit.

The TIN is not a standalone requirement imposed on citizens. Instead, it is a statutory tool that ensures every taxpayer, whether an individual, a registered business, or an association, can be uniquely verified within the national tax system.

Tax ID and the National Identity Management Commission, NIMC: For individuals, the TIN is automatically linked to their National Identification Number (NIN) issued by the National Identity Management Commission (NIMC).

When an individual provides their NIN, such as during bank account opening or Know Your Customer (KYC) processes, the system cross-checks the NIN in the national database. As part of this verification, the TIN is automatically retrieved and attached to the person’s records.

This means citizens do not need to manually apply for or present a tax ID before opening a bank account. The system handles the integration in real time.

Tax ID and the Corporate Affairs Commission, CAC: For businesses, the TIN is tied directly to the RC Number issued by the Corporate Affairs Commission (CAC). Likewise, for cooperatives, partnerships, professional bodies, and other legal entities, the TIN is connected to their respective recognised registries.

This linkage ensures that corporate entities can be transparently identified for both tax and compliance purposes. Just as with individuals, banks and regulators do not require extra documentation beyond the foundational registry numbers to confirm tax status.

Exploring the Benefits of Tax ID: Seamless Banking Access: Individuals and businesses can open and operate bank accounts using their NIN or RC Number, with the TIN automatically integrated behind the scenes

Fraud Reduction: The system eliminates duplicate or false identities by ensuring every taxpayer is tied to a verifiable registry.

Regulatory Compliance: Banks and financial institutions can rely on a single, consent-driven source of truth for onboarding, reporting, and KYC compliance.

Inclusivity: Beyond companies, the framework extends coverage to associations, professional bodies, and trustees.

Global Compatibility: Nigeria’s tax system can securely interact with international systems for trade, finance, and compliance.

The misconception that Nigerians can not own or operate a bank account without a tax ID overlooks the integrated design of the new TIN system. By linking TINs to existing foundational identifiers such as the NIN and RC Number, the system ensures automatic compliance without creating unnecessary barriers for citizens.

In practice, this means a Nigerian walking into a bank with their NIN is already tax-compliant. The bank simply retrieves their TIN as part of its onboarding process. Far from being a hurdle, the TIN framework is a gateway to financial inclusion, regulatory transparency, and global interoperability in Nigeria’s evolving digital economy.

Arabinrin Aderonke Atoyebi is the technical assistant on broadcast media to the executive chairman of the Federal Inland Revenue Service.

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Daughters of Dr. Charles Ononiwu, Chiamanda and Chiamaka, Launch Debut Books to Uplift Hearts Facing Life’s Struggles

Published

3 weeks ago

October 10, 2025

The Gleamer

Joel Ajayi

At just 18 and 20 years old, Chiamanda and Chiamaka Ononiwu — daughters of renowned Nigerian surgeon Dr. Charles Ononiwu — have achieved a remarkable milestone with the release of their debut inspirational books, Do Not Be Afraid and Waterfalls.

Their literary journey began six years ago, during the height of the global COVID-19 pandemic. While the world was engulfed in fear and uncertainty, the then 13- and 15-year-old sisters turned inward, using writing as an outlet to process their emotions, express their faith, and reach out to others with messages of hope and resilience.

What began as a quiet act of creativity blossomed into two powerful books that now serve as beacons of light for readers navigating life’s storms.

Eighteen-year-old Chiamanda Ononiwu is the author of Do Not Be Afraid. A passionate Electrical Engineering student , she is also a proud alumna of Intellichild TLC and Valedictorian of Great Blessings School, Class of 2022.

In her book, she addresses the emotional challenges many young people face and draws from her personal faith to offer guidance and encouragement.

Her elder sister, Chiamaka Ononiwu, 20, is a final-year medical student at Babcock University in Nigeria. She penned Waterfalls, a heartfelt and deeply spiritual work she describes as divinely inspired. Chiamaka views her writing as a calling — a mission to uplift souls and bring hope to those struggling with life’s challenges.

“Personally, I would say it all started with the idea of inclusion, inspired by real human experiences,” Chiamaka shared. “We’ve had conversations with people who’ve gone through difficult situations — including issues and those stories helped shape what I write today.”

She added, “It’s all about encouraging people to face life with faith. We began this journey during a dark time in the world, and I felt called to create something that could offer comfort and hope — not just locally, but globally.”

The official book launch and signing ceremony took place on Wednesday in Abuja, Nigeria’s capital, and was attended by family, friends, colleagues, and well-wishers. It was a celebration of creativity, faith, and youthful brilliance, as the sisters presented their work to an inspired audience.

Speaking at the event, Chiamaka emphasized the core message of her book: “Waterfalls reminds readers that God is always watching over His people. He doesn’t bring fear — He brings peace, hope, and love. I want readers to find comfort and assurance in that truth.”

For Chiamanda, her book is a message to young people who may feel overwhelmed by life’s pressures: “Do Not Be Afraid is especially for youth navigating difficult times. No matter how hard life gets, you can always find strength and direction in God’s word.”

Writing came naturally to both sisters. Chiamaka recalled, “Even as a child, I loved writing short stories for my siblings. When the opportunity came to publish, I knew it was time to share my message with a wider audience.”

Despite their demanding academic paths, both young women balanced their studies with writing through perseverance and faith.

Chiamanda and Chiamaka are united by a shared dream — to inspire people across the world with their writing.

Chiamaka expressed Further; “Our biggest hope is that these books will reach people who need to know that God is real, that He’s always with them, and that through Him, anything is possible,” Chiamaka said.

With Do Not Be Afraid and Waterfalls, the Ononiwu sisters have not only created literary works — they’ve created lifelines. Their voices, grounded in faith and driven by purpose, remind readers everywhere that even in the darkest moments, God’s light never fades.

Their father, Dr. Charles Ononiwu — a distinguished surgeon and deeply devoted parent — also spoke at the event, sharing the journey from his perspective.

“For me, my number one priority has always been to care for children — not just medically, but also by encouraging them academically and in the basics of life,” he said.

He recounted a moving moment with Chiamanda, who approached him with the idea of sharing her story publicly to inspire others.

“She came to me and said she wanted to talk to her peers, to share how she had been comforted, and to help them see that everything would be okay,” he recalled. “As a father, my role was to guide her. I support both of them, help activate their strengths, and provide direction.”

Dr. Ononiwu made the decision to fund the publication of their books himself, believing in the power of their message.

“I told them, ‘You have something the world needs. You can make an impact in the lives of others,’” he said. “I believe every child has a gift. It is our responsibility as parents not to dismiss them, but to help them discover and nurture their talents.”

He encouraged all parents to support their children’s creative pursuits, noting, “Every person has something special inside them — no one is without talent. It’s just a matter of looking inward, discovering that gift, and sharing it with the world.”

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