All you need to know about the new NIMC plastic identity card

In April, the Federal Government of Nigeria, through the National Identity Management Commission (NIMC), launched a groundbreaking multipurpose identity card known as the e-ID card. 

This initiative integrates identification with payment functionality, creating a dual-purpose card for identity verification and financial transactions, and is backed by NIMC Act No. 23 of 2007. 

However, recent updates reveal that Nigerians will now have to pay to obtain this new card, a move aimed at reducing government revenue wastage while ensuring only those who genuinely need the card acquire it. 

This article provides a detailed guide to all you need to know: the features, benefits, and processes associated with the new multipurpose ID card.

Read also: “New NIMC multipurpose card enables evidential identification” – NIMC Director

What you should know about the e-ID card

The National Multipurpose Identity Card was introduced as part of a collaborative effort involving the NIMC, the Central Bank of Nigeria (CBN), and the Nigeria Interbank Settlement System (NIBSS). Powered by AfriGO, the card is designed to address the diverse needs of Nigerians, offering a seamless blend of identification and financial services.

This innovative solution is layered with verifiable biometric features, such as fingerprint and photo authentication, and complies with International Civil Aviation Organisation (ICAO) standards. It also includes a machine-readable zone (MRZ) for international usage, making it a tool for travel and access to government services like social benefits and transfers.

You can click here to learn how to apply and collect the card.

Features and Benefits of the Multipurpose ID Card

• Biometric authentication: The card ensures secure identity verification using fingerprints and photos.
• Payment Integration: Functions as a debit or prepaid card for online and offline transactions, including withdrawals and transfers.
• Offline Capabilities: Allows you in areas with limited network coverage to make transactions, boosting financial inclusion for rural populations.
• Multifunctionality: Contains a quick response (QR) code linking the National Identification Number (NIN) to travel, health insurance, agriculture subsidies, and more.

Read also: Data Breach: Why NIMC’s response did not do enough to allay the fears of Nigerians

Why Nigerians must pay for it

To reduce the wastage of government revenue and improve the distribution of multipurpose ID cards, the National Identity Management Commission (NIMC) has announced that Nigerians will now need to pay for these cards. Previously, over two million cards were produced for free but went uncollected, resulting in substantial financial losses.

The new payment system operates on a post-paid basis, meaning individuals will only request and pay for the card if they need it. While the exact cost has not been disclosed, NIMC has assured that provisions have been made for vulnerable populations to access the card at little or no cost through government interventions.

How the Card promotes Financial Inclusion

The multipurpose ID card is a critical tool in bridging the financial gap for underserved and unbanked populations. With its offline functionality, even individuals in remote areas without bank accounts can perform basic financial transactions. 

By integrating payment features, the card enables users to receive government support, make payments, and access micro-loans, among other services.

Also, the NIMC has outlined measures to ensure that vulnerable and less privileged Nigerians are not excluded. Through targeted programs like “Government to People Payment Cards,” the agency aims to distribute the multipurpose ID card to those in need as part of broader social intervention initiatives.

In sum

The new NIMC multipurpose ID card signifies a rebranding of the national ID, as well as the processes involved in issuing and utilizing it. By integrating identification and payment features, the card effectively addresses both current and future challenges related to payments and financial inclusion.