Platinum Habib Bank / Bank PHB

yommyuk,

I do respect your views, but you must know the reasons I have provided my yahoo address instead. Nairaland is a public forum and I do think it is proper to disclose my work email, the same way you have hidden your full identity. However, when you respond to my yahoo (which by the way is not a bad medium) and I can establish the genuineness of the enquiry, I will respond with my office mail.

And by the way, I provided you with PHBLINK email which is the right channel. The personal mail I asked that you use is just to get me personally involved, which I am happy to do.

I was hoping you would take me up on the issues. I take this forum as a feedback, and not a smirk or gossip. Taking it as a feedback will help us improve. Please do help us to serve you better. Thats all I ask. No one has sent a mail to me. If you already exchanged emails with my colleagues, I will follow up with them.

Once again, we want to be at your service. Watch and check us out and you may just be pleasantly surprised. Thanks and have a good weekend.

ok

I will post it the 2nd time

@ Valoskie

I do respect your views, but you must know the reasons I have provided my yahoo address instead. Nairaland is a public forum and I do think it is proper to disclose my work email, the same way you have hidden your full identity. However, when you respond to my yahoo (which by the way is not a bad medium) and I can establish the genuineness of the enquiry, I will respond with my office mail.

I will commend you on your willingness to help in resolving customer enquires voluntarily. However from a proffessional point of view (being someone who works in finance myself) I will not recommend customers to send banking queries to a yahoo email address. You must be aware
that anyone can set up a yahoo address OR user name on NL  without no real restriction and security check. Secondly with cybercrime becoming more sophisticated, it is standard pratice by banking and financial institutions to advice against corresponding internal issues via external mediums.
 So I will strongly advice  you against such pratice no matter your intention. This is an internal PHB problem and must be dealt with inhouse.


Secondly, PHB must invest more resources into the customer service dept. A company with a poor customer service will quickly gain a bad reputation which is bad for the brand.

The IT Dept in my opinion is well below my expectation. Why does the system keep crashing. Is it a hardware problem? Lack of expertise? No contingency plan in place? No IT Solution?
To operate a product like NIDA, Online access is key. Most of the nigerians in the West are used to instant access to their bank account.
Lack access to their accounts will be frowned upon as a fundamental flaw. I do understand that the Infrastructure in 9ija in regards to power can be a hurdle. Therefore PHB has to improvise. Iook for a contingency plan in regards to IT solutions. Outsourcing can be the answer. or relocating the IT department or hardware to GHANA OR INDIA. Not gaining access to  ones a/c online for hours let alone days/months does not give customers confidence in your organisation - NO MATTER HOW YOU PAINT IT.

Recieved an email from OLUCHI regarding system failure. - postives - KEEPING ME UPDATED  , Negative - MY CONFIDENCE IN PHB IS WANING FAST

Valoskie

The simple response I have is that I have provided you with PHBLINK email address, and I am simply not comfortable volunteering my work email on this forum.

someday, you will hear independent bodies like KPMG say that our customer services rank among the best in the world.
Someday??? I just hope this is not another empty promise. U guys have to move fast. u r lucky that the competition out there are
facing the same challenges and not any better.

Concerning the NIDA - I know a lot of people who were ready to invest a few millions of Naira in PHB. But with the current struggles PHB are facing
everybody is holding back - Meaning you are losing valuable business day by day. Your agent in london (Mensah) has moved his Money transfer operation to Skye bank. That speaks volumes. So coming accross with all this business lingo (streamlining, automating, making great strides and improvements) sounds like President Yaradua's 7 point agenda.

I know you wish us, not bad, but to improve.
 

It sure beats me when i see posts that are not totally focussed on the original issue raised .My application for a non resident acct with phb was actually as seamless as when i reactivated my account at GTB. The issues raised then were having my proof of address which i had on hand .The account was activated within a day . i can still remember the lady  that attended to me some nice lady called oluchi. Anyway i did have some issues later  but the lady was quite helpful and it was all resolved within a few hours.at GTB when i got my mastercard network was down for a while  .Anyway not to make a lot of fuss i think bank phb is an ok bank .Even from the time of utomi of platinum .At least no mention has been made of PHB with the other five banks .If you wanna do the nida thing with phb go for it bro. Call the lady her other number is 08038968388

Well as for me i don make uturn since their internet banking no one work and abeg go open skye global account those ones no get issue at all.

Valoskie,
When I introduced the post about PHB bank, I never thought it would generate such a strong passion from fellow nairalanders. This level of concern about the efficiency and effectiveness of an institution especially in the banking industry only suggest how much we expect our banks to perform to a higher standard because our hard earned monies are involved.

I commend you for a good job well done so far in exhibiting maturity in responding to the concerns and worries people have about your bank. Your responses are certainly assuring and they have helped to alleviate my fear about your bank's operational effeciencies and capabilities. You will get my vote for a higher position in your bank.
In the meantime, get the best technology for your IT dept because as the global economy continues to run on a 24hr circle so would your investors or account holders desire to have instant access to their funds at anytime and at anywhere.
Also, record every caller's coversation with your bank for later use in training or re-training your staffs on how to deal with angry, concerncerned, worried, troulbled current and potential customers. I wish you and your bank the very best.

PHB is at the top in the list of the banks I am considering to have business with. One factor which makes PHB at the top of my list is because of its Easy remit service. It is similar to that of UBA remit service ( i use it for my UBA NRN account) which is cheaper and equally faster as with SWIFT service employed by other banks.
Skye bank is great but they don't have their own remit service and Diamond bank is excellent, but their minimum opening amount of N1000000.00 seams unreasonable and they don't also have a direct remit service.
One thing I dislike about the SWIFT service is that your bank which process the transfer charges you a fee and the intermediary bank also charges you a fee. But with the remit service, you are charged once and it is much cheaper even though there is a restriction on the amount you can send at one time or in a given period; $7500 maximum and total of $50,000 in six months.

Thanks for this write-up and i never knew the intermediary bank will also charge me for the swift transfer. i just did mine for the first time with skye bank on Friday but it will be executed 2moro. So i will wait and see how it goes and tell it all here later. Well as for UBA they were among the pioneers in this diaspora accounts but my friends had some problems then so thats why when i did mine i never bothered about them.  Diamond does not know that not every one abroad are business people when they demanded for such a huge amount. Some people are students who want to run just a basic account. About that double charges with swift, i think there is a new EU transfer policy called SEPA which is free for transfer within the EU? The easy remit does not work in the EU except united kingdom.

For bank phb please can you add this to our complaints that internet access to our accounts and convenient ability to transfer funds in and out of our account is a basic and foremost requirements we ask from you. Please fulfill these things before adding services like ability to buy shares, buy lands,properties and other services. Please once again that is a foremost and the most basic requirements we want from you.

@ Black-Revo

Thanks for this write-up and i never knew the intermediary bank will also charge me for the swift transfer. i just did mine for the first time with Skye bank on Friday but it will be executed 2moro.

My regular bank in Chicago charges $45.00 and the intermediary bank (The New York Bank) charges $10.00 each time I use the SWIFT service. I have since stopped using the SWIFT when my UBA RM told me about the UBA remit service. I like the UBAremit and PHB Easyremit services because, you can conveniently carry out your money transfer activities in your house as long as you are connected to the internet.