Last Updated on January 26, 2026 by admin
The Central Bank of Nigeria (CBN) is a key pillar of the nation’s financial system, responsible for regulating monetary policy and maintaining overall financial stability.
Whether you’re a business owner looking for regulatory guidance, a student researching financial education, or an individual seeking help with banking-related issues, having accurate CBN contact information is important.
If you’re trying to reach the Central Bank of Nigeria but don’t know where to begin, you’re not alone. Many people search for CBN email addresses, phone numbers, or office locations when financial matters become urgent or confusing.
This guide outlines the role of the CBN, explains when it’s appropriate to contact them, and shows you how to safely access verified email, phone, and office information. You’ll also learn how to find CBN branches and offices across Nigeria.
Keep in mind that contact details may change, so it’s always best to confirm information directly from the official CBN website before taking action. Once you know where to look, reaching the right office becomes much simpler and faster.
Read: Full List of All 28 Commercial Banks in Nigeria (With Simple Profiles)
Functions of Central Bank of Nigeria
Here are the key functions of the Central Bank of Nigeria (CBN), explained clearly and simply:
1. Issuance of Legal Tender
The CBN has the sole authority to issue Nigeria’s currency notes and coins. This ensures a uniform and trusted medium of exchange across the country.
2. Banker to the Government
The CBN acts as the banker, financial adviser, and agent to the Federal Government. It manages government accounts, receives and makes payments on behalf of the government, and helps in managing public debt.
3. Banker’s Bank
Commercial banks keep a portion of their reserves with the CBN. In times of need, the CBN can lend to banks, helping maintain confidence and stability in the banking system.
4. Controller of Credit and Monetary Policy
The CBN formulates and implements monetary policies to control inflation, regulate money supply, and promote economic growth. Tools used include interest rates, open market operations, and cash reserve requirements.
5. Custodian of Foreign Exchange Reserves
The CBN manages Nigeria’s foreign exchange reserves to stabilize the naira and support international trade and payments.
6. Regulator and Supervisor of Financial Institutions
The CBN licenses, regulates, and supervises banks and other financial institutions to ensure they operate safely and in line with banking laws.
7. Clearing House for Banks
It facilitates interbank settlements by clearing and settling transactions among banks, ensuring smooth and efficient payment systems.
8. Lender of Last Resort
When banks face serious liquidity problems, the CBN provides emergency funding to prevent bank failures and protect the financial system.
9. Promoter of Financial Stability and Inclusion
The CBN designs policies and initiatives that promote financial inclusion, improve access to banking services, and strengthen the overall financial system.
10. Economic Adviser to the Government
The CBN provides economic and financial advice to the government, using data and research to guide policy decisions.
Why These Functions MatterThe CBN’s role is crucial because:
- It protects Nigerians’ purchasing power by fighting inflation.
- It ensures trust in the financial system, preventing bank collapses.
- It supports national development by channeling funds into critical sectors.
- It maintains Nigeria’s global financial standing through reserve management and currency stability.
Read; How to buy Airtime and Data from Ecobank
Most people try to contact CBN when something serious is wrong or when they need clear information. Common reasons include:
- Unfair treatment by a bank For example, when a bank keeps charging strange fees or blocks an account without a clear reason, and does not fix it after complaints.
- Fraud, scams, or suspicious activity You might want to report fake investment schemes that use CBN’s name, or suspicious messages that claim to be from CBN.
- Failed transfers or refunds your bank is not fixing Sometimes money leaves your account but does not reach the other person, and the bank keeps delaying or giving vague answers.
- Questions on new currency notes or policies People may want information about redesigned Naira notes, cash withdrawal limits, or new rules that affect daily banking.
- Programs for financial inclusion or small businesses Some consumers and business owners want to know more about CBN-supported loans or intervention programs, and how the process works.
Read: How to transfer money from ecobank & buy airtime and data
When to contact your bank instead of the Central Bank of Nigeria
You should not contact CBN for every small issue. For many day-to-day problems, your bank is still the first point of contact.
Start with your bank when you have:
- Normal ATM problems, like a machine that did not pay out cash
- Card issues, such as a blocked card or a card that will not work online
- Very recent transaction errors, like a new failed transfer or card payment that just happened
In most cases, your bank can see your account history and fix these faster than any regulator.
CBN usually steps in when:
- You have complained to the bank, but the problem is not fixed after some time
- The amount of money involved is large or affects your business badly
- There is clear evidence of unfair treatment, fraud, or abuse of customer rights
Think of it this way: your bank is the first doctor, CBN is the specialist you go to when the first doctor is not helping
Central Bank of Nigeria (CBN) branches location in Nigeria
The Central Bank of Nigeria (CBN) has branches in all 36 states of Nigeria plus the Federal Capital Territory (FCT), Abuja. The headquarters is located in Abuja, while each state has at least one branch office.
Major CBN Branch Locations in NigeriaHere are some of the key branch addresses across the country:
- The following are the addresses of all Central Bank of Nigeria (CBN) branch offices in all the 36 States of Nigeria and the Federal Capital Territory:
ABUJA CBN HEAD OFFICE COMPLEX- Address: Central Bank of Nigeria (CBN),
Zaria Street, Garki II,
P.M.B. 0187, Cadastral Zone,
Garki, Abuja, Federal Capital Territory (FCT)
ABIA STATE
- Address: Central Bank of Nigeria (CBN), Commissioners Quarters,
Umuahia, Abia State
ADAMAWA STATE
- Address: Central Bank of Nigeria (CBN),
Galadima Aminu Road,
P.M.B. 2121, Yola,
Adamawa State
AKWA IBOM STATE
- Address: Central Bank of Nigeria (CBN),
Banking Layout,
Udo Udoma Avenue, Uyo,
Akwa Ibom State
ANAMBRA STATE
- Address: Central Bank of Nigeria (CBN),
37, Azikiwe Avenue, Awka,
Anambra State
BAUCHI STATE
- Address: Central Bank of Nigeria (CBN),
Off Ahmadu Bello Way,
P.M.B. 0159, Bauchi,
Bauchi State
BAYELSA STATE
- Address: Central Bank of Nigeria (CBN),
21, Osiri Road, Eketi,
Yenegoa,
Bayelsa State
BENUE STATE
- Address: Central Bank of Nigeria (CBN),
Shittu Alao Road,
P.M.B 102368, Makurdi,
Benue State
BORNO STATE
- Address: Central Bank of Nigeria (CBN),
3, Kirikasama Road,
P.M.B. 1177, Maiduguri,
Borno State
CROSS RIVER STATE
- Address: Central Bank of Nigeria (CBN),
8, Calabar Road,
P.M.B. 1029, Calabar,
Cross River State
DELTA STATE
- Central Bank of Nigeria (CBN),
Mariam Babangida Road,
Central Area 320108, Asaba,
Delta State
EBONYI STATE
- Address: Central Bank of Nigeria (CBN),
1, Nwene Street,
Off Ezza Road, Abakiliki,
Ebonyi State
EDO STATE
- Address: Central Bank of Nigeria (CBN),
1, Akpakpava Road,
Aubiama, Benin City,
Edo State
EKITI STATE
- Address: Central Bank of Nigeria (CBN),
Secretariat Road, P.M.B. 5458, Ado-Ekiti,
Ekiti State
ENUGU STATE
- Address: Central Bank of Nigeria (CBN),
3, Garden Avenue,
P.M.B. 1039, Enugu,
Enugu State
GOMBE STATE
- Address: Central Bank of Nigeria (CBN),
Off Shehu Abubakar Road,
Opposite Deputy Governor’s Lodge, Gombe,
Gombe State
IMO STATE
- Address: Central Bank of Nigeria (CBN),
New Okigwe Road,
P.M.B. 1520, Owerri,
Imo State
JIGAWA STATE
- Address: Central Bank of Nigeria (CBN),
Sanni Abacha Way,
P.M.B. 7155, Dutse,
Jigawa State
KADUNA STATE
- Address: Central Bank of Nigeria (CBN),
1A, Yakubu Gowon Way,
P.M.B. 2126, Kaduna,
Kaduna State
KANO STATE
- Address: Central Bank of Nigeria (CBN),
4A, Lagos Street,
P.M.B. 3025, Kano,
Kano State
KATSINA STATE
- Address: Central Bank of Nigeria (CBN),
WTC Road,
P.M.B. 2151, Katsina,
Katsina State
KEBBI STATE
- Address: Central Bank of Nigeria (CBN),
Sultan Abubakar Road, Birnin-Kebbi,
Kebbi State
KOGI STATE
- Address: Central Bank of Nigeria (CBN),
Government House Road,
Opposite Government House, Lokoja,
Kogi State
KWARA STATE
- Address: Central Bank of Nigeria (CBN),
1, Sule Gambari Road,
P.M.B. 1365, Ilorin,
Kwara State
LAGOS STATE
- Address: Central Bank of Nigeria (CBN),
Tinubu Square, Custom Street,
Marina Road, Lagos Island,
Lagos State
NASARAWA STATE
- Address: Central Bank of Nigeria (CBN),
Shendam Road, Lafia,
Nasarawa State
NIGER STATE
- Address: Central Bank of Nigeria (CBN),
Paiko Road, Minna,
Niger State
OGUN STATE
- Address: Central Bank of Nigeria (CBN),
Ibrahim Babangida Way,
P.M.B. 2217 Abeokuta,
Ogun State
ONDO STATE
- Address: Central Bank of Nigeria (CBN),
Old Secretariat Road,
P.M.B. 0805, Akure,
Ondo State
OSUN STATE
- Address: Central Bank of Nigeria (CBN),
Plot 4, Gbogon Road,
Osun G.R.A., Oshogbo,
Osun State
OYO STATE
- Address: Central Bank of Nigeria (CBN),
Oba Adebimpe Road,
P.M.B. 5281, Ibadan,
Oyo State
PLATEAU STATE
- Address: Central Bank of Nigeria (CBN),
4, Noad Avenue,
P.M.B. 2080, Jos,
Plateau State
RIVERS STATE
- Address: Central Bank of Nigeria (CBN),
3 Bank Road, P.M.B. 5134,
Port Harcourt,
Rivers State
SOKOTO STATE
- Address: Central Bank of Nigeria (CBN),
Gusau Road,
P.M.B. 2393, Sokoto,
Sokoto State
TARABA STATE
- Address: Central Bank of Nigeria (CBN),
Barde Way,
Opposite PHCN Office, Jalingo,
Taraba State
YOBE STATE
- Address: Central Bank of Nigeria (CBN),
2, G.R.A. Road,
Behind Central Mosque, Damaturu,
Yobe State
ZAMFARA STATE
- Address: Central Bank of Nigeria (CBN),
J. B. Yakubu Street,
Opposite Access Bank, Gusau,
Zamfara State
- Address: Central Bank of Nigeria (CBN),
The Central Bank of Nigeria is open for business Monday through Friday except on national holidays. Official visiting days are Tuesdays and Thursdays by appointment only. Our working hours are from 8:00 am – 4:00pm.
Emails:
| General Enquiries: | contactcbn@cbn.gov.ng |
| Complaints Against Financial Institutions: | cpd@cbn.gov.ng |
| Ethics & Anti-Corruption: | ethicsoffice@cbn.gov.ng anticorruptionunit@cbn.gov.ng |
| Whistleblowing Petition: | whistleblowing@cbn.gov.ng |
Phone:
| Contact Us: | +234 817 665 7060; +234 707 338 4828 |
Letters/Location:
| Central Bank of Nigeria,Plot 33, Abubakar Tafawa Balewa WayCentral Business District,Cadastral Zone,Abuja, Federal Capital Territory,NigeriaP.M.B. 0187,Garki, Abuja. |
Contact us; Kokobest04@gmail.com
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