₦airaland Forum

There is something more disappointing and devastating when you get to the ATM stand only to find out it can't dispense cash. This is usually more painful after staying on the queue for a long time maybe under an angry sun. A more disheartening scenario is when your card is retained by your own Bank ATM and the situation becomes more critical when it happened during the weekend especially after the closure of Banks. It becomes very painful when an emergency is at hand .
These cases are not as serious as when your ATM card is retained by the ATM of another bank other than yours. That can really be heartbreaking as no matter the English you speak the customer agent will direct you to your bank for a new ATM card. They'll tell you it is a directive from the Central Bank of Nigeria (CBN). We all know how these ATMs malfunction sometimes and whenever that occurs and your card happen to be inside is an endgame; the only response you will get is that your card has been compromised. Worst is the case when you consider the rigmarole as it's an Herculean task to get a new card as the process is as difficult as looking for a bank or an establishment without a standby generator.
The importance of ATM can't be overemphasized as it has in tremendous ways assisted the banking system and the economy of the Nation at large. Transactions had been eased and businesses done easily but the impediment of a retained card is indeed catastrophic.
As long as a proof of ownership can be presented, I see no reason why a retained ATM card won't be released. It may now become a thing of trial and error or risk to make withdrawals from other bank ATMs. It's high time a bill is passed by the National Assembly or whoever in charge in respect to this reoccurring decimal. CBN should carefully look into this situation and reconsider their policy as it pertain this challenge. It cost time and money to get a new ATM card; even energy is also exerted in the process.
We all know that one of the customer's bill of rights is that the customer is the most important person in the economy and every business succeeds only when the customer is happy; therefore the customers should be regarded as a king. It will be a thing of joy if this policy is revisited and reconsidered for the benefit of all and for a better relationship in respect to the economy and the Nation at large. Thank You.

By:
Jerome Okeme

(Pls this article should be shared to all various social media platforms so that it can reach relevant authorities)

Lalasticlala
Seun
Mynd44
Marpol
Dominique
Naptu2

People that do not summon courage to shout in the bank, how do you people do it? The best place to create scene is in the bank.

As long as it's your bank (even if it's not your branch), they have every right to bring it out and give to you.

First Bank got a share of my anger last year with this ATM card issue.

I don't trust those Asset Custodian

Very annoying

any time I want to use another bank I pray

Why should banks return your card to you? When they make 1k naira each time you request for a new card?
It's all about the dough for these banks

Nigeria banks been scamming since time immemorial

The name Nigeria is related to stress. from nursery School to primary, to secondary, to university, to Nysc...even getting a job stress. when you get the job nko to safe you money inside bank stress, when you keep it to collect it either with ATM or across is even worse. this country needs help

You mean "retracted"

This thing happened to me one day at Seme border. They returned my card when I became violent. Other people used the opportunity to collect their cards too cos that machine retracted a lot of cards that day. Nonsense.
I had no cash left so I was ready to bring that bank to a standstill.
I told them they and their CBN are making stupid policies. The card is my property and they have to right to make decisions for me.

K
Buy your data at cheaper price, all network
Check my signature

It's well

Na person weh get plenty money den save am for Buhari economy get diss kain problem.

Be doing thanksgivig and thank your God.

One of the most stupid policy ever in the history of this country is the permanent forfeiture of your card if it gets swallowed by an AT-machine of another bank

What exactly is the logic behind this? What sense does it make?

There was a day I was travelling on a Friday afternoon and I decided to quickly withdraw with a polaris atm card at an access ATM stand.. The atm swallowed my card and the stupid bank staff and gatemen asked me to go to my bank to request for another card.

To request for another card another 3:50pm when I needed cash urgently to travel??

I nearly use punch commot my ATM card from one yeye ATM machine...the things pain me as it shallow my at card

Hmm... I hope the law can be reviewed

Nigeria need a lot of policy amendments to make life easier for the citizens

asdfjklhaha:
The name Nigeria is related to stress. from nursery School to primary, to secondary, to university, to Nysc...even getting a job stress. when you get the job nko to safe you money inside bank stress, when you keep it to collect it either with ATM or across is even worse. this country needs help

big stress my brother, big stress......................

sylve11:
big stress my brother, big stress......................

The anger should be directed to the CBN who made the policy in the first place.

The kind of Policies CBN and NCC make sometimes leaves you wondering if those working there are actually Humans.

Analysiscorner:
The anger should be directed to the CBN who made the policy in the first place.

Exactly.

lonelydora:
People that do not summon courage to shout in the bank, how do you people do it? The best place to create scene is in the bank.

As long as it's your bank (even if it's not your branch), they have every right to bring it out and give to you.

First Bank got a share of my anger last year with this ATM card issue.

What if it's retained by another bank? That's the annoying thing

which business can I do with 40k I need ideas location warri or effurun?

lonelydora:
People that do not summon courage to shout in the bank, how do you people do it? The best place to create scene is in the bank.

As long as it's your bank (even if it's not your branch), they have every right to bring it out and give to you.

First Bank got a share of my anger last year with this ATM card issue.

True!

I have never been a victim

RDPMAN:
Very annoying

That's why we must together end it

Indeed

oladele239:
I have never been a victim

Pray you don't be. It's really annoying

Once an ATM retracts my card, I simply deactivate the card via internet banking and request for a new card. I don't trust bank staff not to copy my PAN and CVV_

Like seriously...


I have been in the same situation where i had to cry nd beg..
Even comot cartahhh for nose sef just for them to release my ATM buh thank God one fine anty was there she was just looking at me...

She pitied me and asked me some questions even though i was with all my identity cards...

Voters card
School I.D card
School fee reciept

If them no give me back my card that day ehnn...


Na "young man dies in his hostel" for be my story



My last 1k wey i wan use chop..
Dem hold my card nd it was not even my fault..

Thier yeye generator switch off with my card inside how was i suppose to get it



Buh i thank God shaaa