₦airaland Forum

Please how long does it take to get credited to your bank account after withdrawing from cowrywise. It's been hours.

Thanks alot. I used cowrywise with trustbanc and ae.

sharone21:
Palmpay is a credible bank, including 1)Rand Merchant bank with UBA too( for Smart Earn) with Arm company at 17.85% flex( withdrawable anytime) and

2) Rand Merchant Bank with First Trustees for Arm Money Market fixed income at 17.85% but for 1 month minimum.

To enjoy this products, for Smart Earn put bigger amounts as charges drops to 0.86% eg for N1m but if lesser amount, charges can be 1% and for Arm Money Market Fund of same 17.85% per annum, at N150,000 and above, a flat rate of N2,000 is deducted as charges instead of 1.5% which will make it higher. With N1m it's still N2000 flat rate as if the charges is at 0.2%, this means if government takes its 10% tax, you are paying total of 10.2% tax.

Both allows you to start small, but because of the extra fees, you may enjoy your profit of left at least 2 months.
Doing the others with higher interest rate is risky because those are funds they put into equity/ stocks which gives more yield but also easy crashing of capital when stocks crash.

For Smart Earn, with N1m, total deducted is 10.86%. So, one can look at Mutual funds of other firms and compare annual interests.

However, compared to Palmpay's Fixed Savings( Deposit), it's 20% per annum but you have to leave your funds for 1year. It means also that your actual interest per year with 10% tax deduction is 20%-2%= 18%( even with smaller amounts).

And for Arm Money Market of 1 month fixed with 10.2% tax deduction:17.85%-1.8207=16.0293%.

And for Arms Smart Earn if it's N1m with tax deduction of total of 10.86%, your actual annual interest is 17.85%-1.93851=15.91149% annual interest.
Diversification is good though which is spreading your investments.

Please between arm and trustbanc which is best to invest for a two year period. Say with 10m

Palmpay. Is my capital safe?

Please which mutual fund is idea to invest in now? I am using cowrywise.
Arm money market fund on palmpay has a higher interest rate than in cowrywise. I don't know why.

Also thinking of trustbanc and cowrywise investment portfolio. Ps I am a beginner.

duchess90:
Hello

If First Bank had responded it would have led to a Ban.


You misrepresented your financial status

You should be glad it ended in a refusal

Cheers

Can you explain this? I don't get it.

BRAINNY:
Guys, I am still waiting particularly someone who personally faced this situation and went through the administrative review. Also, is there anyone who used First bank lately?

There is someone on telegram. Check uk administrative review group.

Shaffy001:
Please house.
Is Tls the VAC...I was scheduled for interview at ikeja VAC..
Is it still the same location we submitted our passport.
Thabks

Physical or via Microsoft teams?

Kingkom:
I just noticed there is a maintenance scheduled today on IHS website..... My pof matures today, I wanted to wait to print from tomorrow making it 29 days.
Is possible to implement the new hike in ihs today or should i just pay this morning to avoid stories?

Its likely next year. Relax

Francejaik:
Good morning........ please must I print my bank statement the same day I pay my IHS and Visa Fee?

For instance, can I pay my Visa fee on 21 July and print my bank statement on 24 July?

Please I need an urgent reply.

Your pof should have matured before.
you think of paying for anything

KodakBlack:
Greetings to everyone.
My wife is the student, and we have a daughter but I wouldn’t want to move with them the same date because of the stress finding a better apartment amongst the one I had booked for viewing.

Is it advisable for me the dependant to go before my wife to sort out living arrangement before she arrives.

Her school resumes 18th of September, so everything I need to get straight would be between 18th to probably 1st of September.

Not possible. You can't enter before the MA

Ajjy:
Please house, i just want to know if the switch of one's first and middle name on nysc certificate can have an adverse effect on the bearer.
What i mean is; if my name is Goodluck Ebele Jonathan, and on my nysc certificate its written as Goodluck Jonathan Ebele. The position of my surname, Goodluck, did not change.
Does it really matter? Will the UKVI frown at it?.
Pls help cos I'm actually disturbed.

If your really bothered. Get a confirmation of name affidavit

Shaffy001:
Hi to all gurus.
I was scheduled to have interviews on Thursday.
The alloted time stated was 2:30..
My question goes thus:
Is the time 2:30 is for the Nigeria time
Secondly,Is it advisable to log in to join through the link before the stated time like 5min before.
Thirdly: will there be another mail sent after the first mail asking for the interviews .
Lastly any likely question for those who have gone through this

Do you have big Study gap or switch from your a completely different course of study line

Shaffy001:
Hi to all gurus.
I was scheduled to have interviews on Thursday.
The alloted time stated was 2:30..
My question goes thus:
Is the time 2:30 is for the Nigeria time
Secondly,Is it advisable to log in to join through the link before the stated time like 5min before.
Thirdly: will there be another mail sent after the first mail asking for the interviews .
Lastly any likely question for those who have gone through this

*UKVI STUDENT'S VISA CREDIBILITY INTERVIEW*


A quick update on UKVI Visa Officer's Credibility Interview Questions that could be asked UK Bound Students on *UNEXPECTED PHONE CALLS* during or after Submission of Visa Applications Processing to British High Commission.

*UKVI Student Visa Application's Credibility Interview Questions*


1. Tell us about the University you will be attending?

2. Tell us about your Course of study?

3. Why did you choose to study at this University?

4. Tell us about your Course Modules?

5. Give information about your current Place of Work?

6. What is the Duration of your Course of Study?

7. What is your Course Tuition Fees?

8. Who is sponsoring your Studies?

9. Is the money still in your *PERSONAL* or Sponsor Bank
Account *PRESENTLY*?

10. When did you take your last Course of Study?

11. What have you been doing since you finished your previous Studies?

12. Why did you choose to Study at this time?

13. What are your Plans upon completion of your Studies in UK?

14. Where will you be staying while Studying in the UK?

15. What is your MONTHLY Accommodation and Utilities Bills' Fees ?

16. Have you paid for your Accommodation?

17. Are you fit and healthy to travel to the UK?

18. What is your current Salary and what do you intend receiving as Salary after your Studies?

19. Is any Education Agent assisting you with your Application?

20. Is there any other thing or information you want to tell us?


That's the end of the interview and do have a nice day!


Some of our students had been called on *PHONE* by UKVI Visa Officers asking the above Credibility Interview Questions.

Please, we encourage you to pass this message to ALL your students planning to submit their Visa Applications to UKVI, and also Rehearse these Credibility Interview Questions and Answers with your students.

Minnieny:
Thank you so much for this. I started transacting on the account 10 days after I heard the info. But someone said to me that i have to print my statement from the date I started transactions. Like I'm so worried that 10 days will have to go just like that and that's why I asked the question here for clarification. Right now, I will transact on it continually, but wanted to be sure if I can include the 10 days period that I didn't carry out transactions when printing my bank statement.

Yes you can

hemjay69:
Please house... i am scheduled for an interview with the ukvi Tommorrow, i am a student of Sunderland going for applied project management sept 2023
Please kindly advise on the expected questions and how i can prepare well for the interview.. thank you

Please do you have study gaps or you switch course from your degree course

rokana:
Please everyone, what application can I use to send money to the UK from Nigeria. Please help a brother. Thanks.

Try flutterwave. Or chippercash

just2endowed:

Please your prices for 30kmah sense 8 digital display and 20kmah digital display

teamstudy:
Hello house, I have an complex question!!!
I paid part of my husband's tuition fee (because it was more easy outside of Nigeria and I wanted to help him too) but I live in *Ireland* not UK. He is sponsoring himself (remaining fee+living cost) for his application and I just want to know if me paying his deposit fees is considered as 'sponsorship'. Do I have to write a letter of support saying I paid part of his tuition?
Does he have to include the fact that I (living in Ireland) paid his fees? I'm trying to avoid a situation where he's being asked for extra proof of income or being refused cos someone not resident in uk supported him.

No. Doesn't matter how the fees are paid.

victorVIC1:
Looking at making tuition deposit latest tomorrow. Please which do you advise between Hull and Manchester Metropolitan University? The tuition fee of MMU is 2K higher though

Wouldn't advice hull. Excess Nigerians so jobs are kind of scarce

pinkgelato:
Hi everyone.
Please, i need some clarification. I have gotten admission, gotten my CAS from my school, done my TB test as well. I was building my POF, and halfway through, the naira devaluation happened, so i had to restart the 28 days count. I started counting my POF from the 27th of June, but i submitted my application (paid visa fee and IHS) on the 26th.. I hope i am on track.. or have i made a mistake? I am quite confused by the 28 days rule.
Please let me know if am on track, or if i should withdraw my application and restart a new application.

Please where are you rushing to? You restarted pof and went to pay visa fees? You can't be serious

Egocen:
Please help me

First, we got a Health surcharge refund and now visa denied


I will appreciate how best to do this administrative review if anyone can assist.

Mind you, there is three times the required amount in the account.


So this student visa refusal is very confusing

First bank didn't respond. Issue is from them. Someone had issue this week. Search for uk administrative review group on telegram

TheNewAgeFarmer:
Don't let anyone confuse you. Go to Oanda and convert your pounds to naira. Not naira to pounds.

Try to learn new things

Susdiv:
Okay Thanks but can I apply for my dependant visa around first week of December so as to enable me settle down first before she comes?

As long as before December

heykims:
Hello guys, Please can one wait for another one month after getting CAS before one applies for visa?
This is because POF became insufficient after getting the CAS because of rising OANDA rate, so a fresh POF will be needed to start counting for 28 days.

Duchess90

Yes it doesn't matter, no one checks if is same. Just recalculate and fund enough with the new rate to reach 28 days

Susdiv:
At duchess, please I need an answer to this question so as to make my decision. Can I apply for visa for my child dependant after I have gotten to the uk by September?. If yes please how do I show the POF for it not to look as if I recircle the proof of fund?

Thank for your response.

Yes. Enough pof to cover you both

Rashyrash:
I haven't submit

Seems you are purposely looking for visa refusal .
Why would you start visa application when your pof isn't matured. Where are you rushing to. Haba

Kekeman4now:
Pls my brother has been in Manchester without getting a job for upto a month,pls anyone in Manchester that can help him get a Job?

.
.
Which university

amnwa:
Please can someone use two accounts where the second account has only inflows and no outflows?

Please someone should answer me.

Please can someone use two accounts where the second account has only inflows and no outflows?

DragonLord0462:
University Of lincoln unconditional offer holders in the house please ?

join their group

SandyDandy:
Am still looking for schools to apply for September
Please you guys should help your Sister before i get BP😭😭😭😭😭😭😤😭😭😭😭😭😭😭😭😭😭😭

If arts check Lincoln.
Computer and business check ulster university