With CBN cashless policy everywhere, I don't think the system is ready for Nigerians to embrace this.

My experience.
Used a POS in a supermarket in Abuja and the message was "network failure". Tried my ATM card again on the supermarkets second POS and got the same message of "network failure" so I had to pay cash. You wouldn't believe Fidelity Bank; my ATM card issuer deducted the money from my account twice like lightning. Six working days after i complained to Fidelity Bank, they reversed only one out of the two deductions and 18 working days after complaint, the second deduction is yet to be rectified. Every time I call customer service; its one apology or the other.

Spoke to a friend who also said his own N20,000 of 6 weeks ago (ATM - issuer inoperative) with the same Fidelity Bank has not been resolved. Whenever he calls too, its apologies.

Two other colleagues told me that was why they stopped using the bank for their transactions.

If you have been a victim of this in any of the banks; share your thoughts so that the Cashless "encouragers" (CBN) will know the system is "crippled"

i was lucky cos mine was credited same day after the deduction...i was at home when i noticed the deduction and within an hour my account was credited...
GTB all the way

I have a GTB card too and its always within 48 hours. GTB has even called me on two occasions to confirm if i got a reversal.

Someone somewhere should please check Fidelity Bank. Filled Consumer Protection Council form online. Nothing yet from Them.