₦airaland Forum

bitbillionaire:
The real issue is not whether it's a new thing or not. How secure is such transaction?

Doesn't it bother you that a criminal who have access to your mobile phone can access your money in Opay through that channel?

If you understand Oauth architecture, you will realize what you described is not possible. Oauth is very secured and allows for token revocation.

Jef4u:
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

Escalate to the central bank customer protection department

blamingthedevil:
Suspected kidnappers arrested in Ogun forest are Anayo Simeon, Chukwuma Barthlomew, Chibueze Ogah and Ifeanyi Benjamin....

They speak Yoruba fluently o

Suspected kidnappers arrested in Ogun forest are Anayo Simeon, Chukwuma Barthlomew, Chibueze Ogah and Ifeanyi Benjamin....

They speak Yoruba fluently o pic.twitter.com/PtfZ2mhEkB

— Pst Okezie JAMES Atañi 🦨 (@Onsogbu) June 1, 2026

A lot of people have demonised hausa-fulani. Can you see for yourself now?

Criminals are everywhere and in every tribes. If these people had dressed like fulani, everyone would tag them as Fulani again.

KiNg0G:
I can't help but to think do rich kids born with silver spoons in their hands, knows how lucky they are? That if not luck they could have been one of us bred in the ghetto, staying face me I slap you.. attending public schools and it's almost certain they wouldn't make out of the ghetto

Now this is not a hate topic, I'm just in cloud 9 right now and the thought just hit me. Do otedola kids, adenuga sons..Adelekes.. even our very own seun kids knows how lucky they are.. because I know someone who is 45, never worked in is entire life but since he was a boy he receives salary from 3 of is father companies before month end without sweating. You might see him this afternoon, and the next day he might be out of the country to go see is friend and be back the following day.

My question still remains are this set of people SELF AWARE how lucky they are or they just see it as a normal thing?

Rich kids have the highest probablity of turning bad and bring their family name into disrepute.

Coming from a rich background could be a curse rather than a blessing

kentokay71:
opay is a licensed national microfinance bank

Opay operates as a fintech company while holding microfinance licence

heniford2:
Isreal is America and America is Israel

They are just allies , not the same

Michealr3x:
Opay is here to take over the banking industry if it's been allowed to. This year so far I've got no need in steeping into any bank for one issue or the other, Opay git me covered.

One advice for Opay, if they can have at least 1 main branch like a building in each state in Nigeria, then it's a total takeover for them because they've got all it takes to lead.

Once Opay applies and get licence to be a commercial bank, their performance will drop as their app would be subjected to the same regulations by the CBN like the existing commercial banks.

Opay is a fintech company, not a commercial bank.

They depend on a lot of enterprise cloud infrastructure which CBN restricts commercial from some services. That explains Opay's lightning performance

dante23:
You have 2 apps. 1 is secured with passcode/fingerprint. The other isn't.

The other one wants to access the secured one. It tells you to select the app and without any form of unlocking/authenticating on the secured app, voila, transaction can be conducted.

Keep in mind, the other app has no auth set up.

Go and read about OAUTH.

It's not a new thing, I repeat

danietohbadt:
Opay leads, others follow.

They have successful set the benchmark for digital banking in Nigeria.

The CBN gives them some leeway. There are some requirements that commercial banks must align with which opay and other fintechs are excused from. This slows down the performance of the commercial banks apps.

Kennitrust:
Only that their loan interest is too high

Imagine 22% on N100,000.

Toooo high to help grow our financial struggles

When you save with them, they give you higher interest return too.

dante23:
Opay now allows access to its app by other apps while bypassing authentication (login credentials). App: Chowdeck.

No major permission requested from users to approve authentication.

Makes transactions easy but oh my!

That's not a new thing.

If you know about tech and coding, that's call "Oauth" authentication service

Reloadedisraelp:
... Oga most of Fayose statement have appear to be true.... like u said makinde have every right to sue him to court...let see if he'll do that.

Makinde can't win if he goes to Court.

Fayose said he "might". Thats probability.

So., on what ground will he sue?

SonofElElyonRet:
He has finally gone full looney

He hasn't.

For people who are logical and understand pattern, it is a no brainer

Bluffly:
It does not hurt. Here is why I am a sportman and you a gabbage

A sportsman feeling so grumpy 😁😁🤣🤣

Stop throwing your toys out of the pram😁🤣😁🤣

Bluffly:
Your opinion which you are entiled to

I know it hurts

Bluffly:
That is why it is a game. Grow. Did you even realize PSG couldn't even score from open game which means Arsenal defeated them from all their approaches

Story for the gods😁🤣

Congratulations to all the haters

The peace of the world is firmly dependent on this outcome.

PSG, thank you for saving football

I told ya - PSG would correct this error and they did in the most difficult way.

This is a start of another 44 years wait.

PSG will correct this error come Saturday.

The fear of Kvara is the beginning of wisdom

Quite shocked that Steven Gerard never won it.

A n absolutely talented player.

Basicend:
Lol. Canada self has castest. Global order is shifting to the east.

Alberta , the oil rich region part of about to do referendum to cede from Canada.

This is a touch of a genius from Trump.

Rush for a US visitor visa will reduce.

You can't go to the US and marry on visitors or student visa. you have to come back to Nigeria to apply.

I hate Trump but this would make a massive impact on people.

Dejiskills:
This is great ,build them from scratch

He's not building them from scratch.

They are trainable as well as employable and demonstrate and possess measurable capacities.

Not individuals who have wasted their lives in the universities doing cultism and parties with zero leverage to build on.

jogsman01:
Nothing else to judge him? Try something more beneficial to students please

Student loan.

How did this friedburg got to the final.

They should just cancel europa cup and fully focus on the champions league

PSG will correct this error

Are they alright,?

When did they deem it fit to congratulate a local team in Nigeria?

Undeserving champion.

Roughen up goalkeepers during penalties.

Robbed west ham big time.

The Premier league referees ensure Arsenal became an unworthy champion.

PSG will humble them in a destructive manner on a neutral ground.

The man is worse than Nigeria politicians.

From not paying any taxes on his businessed to setting up slush fund to settle his cronies and insurrectionists.

There's a question we are not asking.

Was it Edoho action that pushed Sandra to misbehave or was it Sandra toxicity that caused Edoho to misbehave.

This woman emphasized that she built the house Edoho was living. There was a tendency that this woman might be referring to that everytime they had issue. No mam wants that. I never said she did, I said there was a tendency.

Edoho action was inexcusable and also Sandra action. They are both cheating on their home.

Chike must be heartbroken now, Sandra even cheated on him. What a life!

Frank acted so badly.

However, Sandra wrote about being "blackmailed" by her husband with a video of an ex.

She also wrote that she fell for a ,"catfish" setup by her own husband.

Most people would miss that part as she cleverly dropped them there to melt with the paragraph.

She was cheating in her matrimonial home. The husband was also cheating . They were both cheaters.

Chike gloating around now is enjoying one second of fame. Probably, Some men are waiting in the dark to sleep with his wife when he marries numerous time. We are waiting for his cry

How was Yahaya Bello not disqualified by the screening committee?