Jones4190:
how is it useless if they can still take it to bank

EFCC will be aware if they take such money to bank.

This is how I improved my English speaking skills...

Go to pdfdrive dot com, search for effortless English. The author's name is A. J Hoge

Download and read the book.

Implement his recommendations even if it is two.

PLEASE DONT READ GRAMMAR BOOKS TO IMPROVE YOUR FLUENCY. it's complete waste of time.

You already know how to write in English.

Native speakers don't learn English by reading or writing, they learn by listening and speaking. Just like how you mastered your native language.

Pls don't listen to those 'read books' advice.

AJ hoge will show you how to speak like a native speaker.

I recommend you check his YouTube channel for more tips.