Seen this exact thing on my narrowboat build last winter. The BMV was sat cheerfully at 100% whilst my Fogstar 280Ah cells were telling a different story through the BMS app — two cells lagging noticeably behind the others at the top of charge.
Root cause in my case was passive balancing not keeping up. The BMS (a JK unit) was only balancing above 3.45V per cell, and the bulk charge was pushing through so fast that the cells hit absorption, the charger backed off, and balancing never got enough time to do its work properly.
A few things worth checking in your situation:
- What's your charge rate relative to capacity? High C rates can mask drift that only shows at rest
- Is your BMS balancing threshold set appropriately? Dropping mine to 3.40V made a meaningful difference
- Are the cell interconnects torqued correctly? Loose busbars cause resistance imbalance that looks like cell drift
The BMV only sees the pack as a whole — it's essentially blind to what's happening at cell level. So 100% SoC from Victron is entirely possible whilst the cells are genuinely out of balance. The two systems aren't contradicting each other, they're just measuring different things.
Worth doing a slow top-up charge at a lower current and watching the BMS app in real time. You'll quickly see whether it's a balancing issue or whether one cell is genuinely weaker.
Anyone else running JK BMS units with Victron kit — curious whether you've tweaked the balancing parameters much?