Opay is the best as far as I am concern. I have stop using commercial banks for a long time now. Dem won use charges injure me. Moya japa go where life is easier (Opay)

Before month end I do get opay cash back like #2,000 and above whenever I buy data, airtime etc. My bank has never given me anything if I bought data or airtime from them.

Also, Opay have one of the best network. Infact if you want your transaction to reflect immediately use opay. Nigerian banks should learn business method from Opay honestly.

These money deposit banks are really scared of the digital banks.

They don't know what they've entered.

SmartyPants:


What you don't know is that the majority of these digital banks still have to partner with conventional banks to function.

Do the banks seem worried to you? Lol. They are posting record profits.

record profit from fraudulent charges.is that how to run business?

Sorry for your experience. Two days ago I transferred money to my wife and it got declined, the money was reversed immediately. I tried it more than twice and the money were all reversed. Did you checked with your bank too?

kingi777:
Since April 2nd 2023, I used POS to buy petrol at a filling station along Kubwa express way in Abuja, the transaction got declined while N7000 was debited. I've written emails to them which they responded and asked me to forward the receipt. Since then they have not been responding to messages and I don't know their physical office in Abuja. Since then, I hardly do serious transactions with this Opay. If it was normal conventional banks, one can easily resolve transactions issues online or at their branches. I brought up this information here to see if there's any guidance on how to get my money.

mikmash:

Good evening, have you tried submitting a "manage dispute " on the app?

I don't know about it

Pascal9:
record profit from fraudulent charges.is that how to run business?

Lol. There is nothing fraudulent about those charges. You may feel they are excessive and unfair...that doesnt make them fraudulent. Also, I hope you really don't think that is how the banks get wealthy? The banks get wealthy by investing your money, playing with forex, etc.

Traditional Bank are dying, they are bleeding. Most Nigerian have Japa to digital bank

[quote author=Besuccesful post=129717491]Sorry for your experience. Two days ago I transferred money to my wife and it got declined, the money was reversed immediately. I tried it more than twice and the money were all reversed. Did you checked with your bank too?

It was POS transaction and Opay was not responding after the initial response after sending email to them.

SmartyPants:


Lol. There is nothing fraudulent about those charges. You may feel they are excessive and unfair...that doesnt make them fraudulent. Also, I hope you really don't think that is how the banks get wealthy? The banks get wealthy by investing your money, playing with forex, etc.

go and sit your ass down, you are one of them

Omo my union bank account want to debit my life. Imagine all the charges they remove from u when u have money in the account.

I was anticipating opening opay account and wire all my money there. Now, govt wants to rubbish opay and other digital banks to favour useless commercial Banks that are milking Nigerians and have poor service.

Opay has no issue at all, just that other commercial banks are afraid of this opay, the banks are even collaborating with all these big fuel stations, supermarket, schools by rejecting the opay card for transactions. Even all these commercial bank staffs are using opay because it is reliable

Benblaq:


You people better not tamper with our mobile banks that have made "I don send am, I never see am, wait small" a story of the past.

You made me laugh hard with that quote 😂

Ma hear say I believe una

Opay you are their father
They àre still learning
The only thing commercial banks do is to collect. People money

Opay is the best bank in Nigeria

Been long I entered into a banking hall, I just no like bank, I no even do ATM if u no take transfer leave am, ATM sef don too show person shege

Honestly I don't think we are grateful enough for Opay and the likes. Unnecessary money deduction, transfer and receipt issues, app bugs etc have been minimal since I started using Opay and moniepoint. Thanks once again Opay.

kingi777:

I don't know about it

After login into the app, go to select "cards" select physical cards. Once there, select manage dispute. Trace the transaction you did, click on dispute. It will be on review 7 working days,most atimes it might not take such long period of days. Always insure to check the progress report from the day you submitted to final status.

Second method, click on your transaction history, select the specific date and month of the transaction, click on submit dispute there. Wait for reversal after investigation, if it shows decline then the money has left your account, visit the nearest opay office for a log code and give to the fueling station to contact their financial agents or customer service for a refund.

I. Cannot even transfer to palmpay, ND kuda. Does the restrictions limit to that too

..

Benblaq:
I abandoned my GT and FCMB accounts for close to two years now because of the charges and deductions I can not explain. Someone recently sent money to my FCMB because she couldn't find opay using ussd, before the money even dropped it had reduced. I saw RECRY Q1 card maintenance fee, RECRY Q2 card maintenance fee and what and what not, .. the money reduced annoyingly. I don't even use their cards. These traditional banks make customer service very difficult and still complain when people run away.

You people better not tamper with our mobile banks that have made "I don send am, I never see am, wait small" a story of the past.

I just saw this morning First bank debited maintenance fees of N7,500 vat N545,Sms fees,Vat on Sms fees and almost N8500 gone from my account. Anyway that's the last I have left Nigeria for them.

Opay abeg o.

When it comes to issues like this, Opay is the best bank bro, go to Manage dispute on your app, click on the said transaction and report.. It will only take 3working days, your money will be reversed.

kingi777:
Since April 2nd 2023, I used POS to buy petrol at a filling station along Kubwa express way in Abuja, the transaction got declined while N7000 was debited. I've written emails to them which they responded and asked me to forward the receipt. Since then they have not been responding to messages and I don't know their physical office in Abuja. Since then, I hardly do serious transactions with this Opay. If it was normal conventional banks, one can easily resolve transactions issues online or at their branches. I brought up this information here to see if there's any guidance on how to get my money.

Hezzyluv:
Digital banks the slayers of commercial banks.

These digital banks are really give commercial banks serious competition.

kingi777:
Since April 2nd 2023, I used POS to buy petrol at a filling station along Kubwa express way in Abuja, the transaction got declined while N7000 was debited. I've written emails to them which they responded and asked me to forward the receipt. Since then they have not been responding to messages and I don't know their physical office in Abuja. Since then, I hardly do serious transactions with this Opay. If it was normal conventional banks, one can easily resolve transactions issues online or at their branches. I brought up this information here to see if there's any guidance on how to get my money.

Truth is we are yet to perfect debit card transactions in Nigeria. It’s the same old dispense error issues even with commercial banks.

For me whenever I am in Nigeria I like to do bank transfer only cause I ain’t got time to be going to the bank to drag issues. Besides debit cards expose your account to fraud risks unlike credit cards which are safer but not popular in Nigeria.

To avoid things like this just do transfer or use cash.

kingi777:
Since April 2nd 2023, I used POS to buy petrol at a filling station along Kubwa express way in Abuja, the transaction got declined while N7000 was debited. I've written emails to them which they responded and asked me to forward the receipt. Since then they have not been responding to messages and I don't know their physical office in Abuja. Since then, I hardly do serious transactions with this Opay. If it was normal conventional banks, one can easily resolve transactions issues online or at their branches. I brought up this information here to see if there's any guidance on how to get my money.

Which bank sent you to do this PR. E no go work. OPAY has come to stay. The best of all the best. Say something else.

Yeah this works!

Really enjoyed my stay with Opay and PocketApp by Piggyvest. for years now i've dumped traditional conventional banks.

Funny enough, for years GTB showed me shege! But my PocketApp uses a GTB number and it's seamless... There's something these fintechs know that the big guys have refused to know or they know but refuse to use...

LIA1900:
When it comes to issues like this, Opay is the best bank bro, go to Manage dispute on your app, click on the said transaction and report.. It will only take 3working days, your money will be reversed.

Pascal9:
record profit from fraudulent charges.is that how to run business?

Don't mind him. The banks don't seem worried but some of their ATMs have been programmed to reject Opay cards.

Donjuan77:
Opay has no issue at all, just that other commercial banks are afraid of this opay, the banks are even collaborating with all these big fuel stations, supermarket, schools by rejecting the opay card for transactions. Even all these commercial bank staffs are using opay because it is reliable

Exactly. Some ATMs reject the opay card, like Polaris and access bank. Doesn't even make any sense

Pascal9:
go and sit your ass down, you are one of them

He is simply telling you the truth, most of you think the commercial banks are threatened, meanwhile all these fintechs partner with them.
Your declined transactions or dispense error on fintech platforms are processed and refunded by such partnership.

Hezzyluv:
Digital banks the slayers of commercial banks.

You can say that again. I move funds from commercial banks to digital banks nowadays 😂