Banco Nacional customers in Costa Rica will now need to use a new access system for the bank’s digital channels, as changes affecting BN Móvil and Banca en Línea took effect today. The update is aimed at tightening account security while changing the way users log in and validate transactions.
The biggest change is that customers will no longer use their cédula number to sign in. Instead, they must create a personalized username linked to their banking profile. Banco Nacional has said the change is mandatory for access to its digital channels.
The bank is also folding its token system directly into the BN Móvil app. That means the token will no longer function as a separate application and will instead become part of the bank’s mobile platform for transaction validation. Banco Nacional says customers must complete both steps, setting up the personalized username and configuring the integrated token, to continue using the digital services normally.
According to guidance published Monday, the process can be completed from a phone or computer without going to a branch. Customers are instructed to enter BN Móvil or the bank’s website, log in with their current credentials, select the option to create a new username, choose how to receive a verification code, and then confirm the update before logging in again with the newly created username and their existing password.
Banco Nacional has also issued a fraud warning tied to the transition. The bank said no employee will contact customers to help create the username or configure the token, and it urged users not to share passwords, codes or financial details with third parties. It advised customers who receive suspicious calls or messages to end the contact and use only the bank’s official channels.
The rollout turns a technical banking update into a practical issue for thousands of customers who rely on mobile and online access for payments, transfers and account management. For users who have not yet completed the setup, the change could be one of the most immediate day-to-day banking adjustments in Costa Rica this week.
