By 9jaDirectory Legal Team | Updated: November 2025
Many Nigerian business owners only hear about SCUML when the bank asks for it during corporate account opening. If you operate in certain high-cash sectors, SCUML registration helps your business comply with anti–money laundering regulations.
What SCUML means: SCUML (Special Control Unit Against Money Laundering) is a compliance unit under the EFCC that regulates certain businesses called DNFIs (Designated Non-Financial Institutions).
Who Needs SCUML? (DNFI Categories)
You may need SCUML if your business frequently handles large cash transactions or falls into DNFI categories such as:
- Real estate: agents, developers, property managers (Real Estate).
- Car dealers: sales and imports.
- Jewelry & precious stones: retail and wholesale.
- Hotels & hospitality: especially high-cash operations (Hotels & Lodging).
- Law firms & accounting firms: specific cases where required.
- NGOs and religious organizations: depending on structure and banking requirements.
If you’re unsure, ask your bank which documents they require for your sector and account type.
Why Banks Request SCUML
Banks are required to perform compliance checks. If your business fits a DNFI profile, the bank may ask for SCUML before fully activating your corporate account or certain services.
- It reduces compliance risk for the bank.
- It helps validate your business type and directors.
- It can prevent account restrictions when regulators conduct audits.
Before You Apply (Prep Checklist)
- CAC registration: your business must be registered. If you haven’t registered, start here: CAC registration guide.
- Business details: registered address, directors, and ownership information should be consistent everywhere.
- TIN: many banks request your Tax Identification Number.
- Clear scans: most delays happen because documents are blurry or incomplete.
SCUML Registration Requirements (Common Documents)
Registration is commonly advertised as free and handled online, but requirements can vary by business type. Prepare:
- CAC documents: certificate and relevant forms (BN / CAC 1.1 / status report).
- Valid ID: NIN slip, passport, driver’s license, or voter’s card (as accepted).
- BVN: BVN of directors/owners.
- TIN: if available.
- Address proof: may be requested (utility bill) depending on workflow.
- Professional certificates: for regulated professions where applicable.
Step-by-Step: How to Register on SCUML (2025)
- Visit the official portal: scuml.org.
- Select the appropriate DNFI category (choose carefully—wrong category causes delays).
- Fill your business information exactly as it appears on CAC documents.
- Upload clear scans in the required format (PDF/JPG). Use good lighting and avoid cropped pages.
- Submit the application and keep a copy of your reference number.
- Monitor for updates and respond quickly if additional documentation is requested.
- When approved, follow instructions for certificate collection or download (depending on the current process).
Timeline (What to Expect)
Timelines vary. Many businesses receive feedback within a few weeks, but delays can happen if documentation is incomplete or your category requires more checks.
Pro tip: while waiting, ensure your CAC details, bank records, and any public listings are consistent (same name, phone, and address).
Common Mistakes That Cause Delays
- Blurry documents: unreadable scans get rejected.
- Name mismatch: directors’ names must match CAC + IDs.
- Wrong category: choosing “consultant” when you’re clearly “real estate” or “car dealer”.
- Incomplete forms: missing address, phone, or ownership information.
FAQs
Is SCUML required for every business?
No. It’s typically required for DNFI categories and specific high-cash sectors. Your bank often guides you based on your business type.
Can I apply without CAC registration?
Usually no. Most workflows require valid CAC documents for verification.
Timeline & What Happens After Approval
Processing times vary. Once approved, keep your certificate and registration details safe because banks and compliance teams may request them during audits or account reviews.
- Keep a digital copy and a printed copy of your SCUML certificate.
- Ensure your business details (address, directors) remain consistent across bank records.
- Build a simple compliance habit: keep transaction records and invoices for large payments.
FAQ
Is SCUML registration free?
It is commonly presented as free on official channels, but processes and requirements can change. Always verify from the official portal and avoid paying random “agents” who promise shortcuts.
Do all businesses need SCUML?
No. SCUML typically applies to DNFIs and certain high-cash sectors. If your bank requests it, confirm the exact DNFI category and apply early.
Common Mistakes (That Cause Delays)
- Choosing the wrong DNFI category
- Uploading blurry or incomplete documents
- Business details not matching CAC records (name, address, directors)
- Waiting until the bank blocks your account before applying
Apply early and keep records. Compliance is easier when you are prepared, not pressured.
Practical Tip
Keep your compliance simple: invoices for large transactions, proof of payments, and consistent records. This helps when banks or regulators request clarification and reduces future account restrictions.
Conclusion
SCUML is mainly about compliance and avoiding banking roadblocks. If you operate in a DNFI category, it’s worth doing early—before you need it urgently.
Need professional help? Find providers in Legal Services. To build trust online, list your business on 9jaDirectory (and claim your listing if it already exists).
Quick Checklist (When Your Bank Requests SCUML)
- Confirm your DNFI category and gather CAC docs that match your bank records.
- Apply via official channels and keep screenshots/receipts of submissions.
- Save your certificate (PDF + print) and share it with your bank compliance team.
FAQ (Final)
Does SCUML expire?
Requirements can change, but most businesses treat SCUML as an ongoing compliance item. Keep details consistent if you change address, directors, or business activities.
What if my application is delayed?
Recheck document clarity and consistency with CAC records. If your bank needs it urgently, ask what alternative evidence they accept while the process is pending.
