₦airaland Forum

Hmm mm mm mm mm mm.......
It happened to me just 5 minutes ago.
I lost #6.98k thrice yet the transfer didn't go through.
Things like this should spark a nationwide protest... Yet Nigerians are silent.
Activists are silent.
F00ls are online defending their oppressors.
Reno O'monkey is busy criticizing Peter Obi. If something like this happened under Buhari, he would have informed the whole world. Tinubu's government is doing worse than Buhari, yet a self acclaimed Buhari tormentor is busy praising Tinubu.
Nigeria has gone to the d0gs!

GTB number 1, just dial *737#, whether the transaction was successful or not, GTB will remover their service charge.

Ussd is the biggest scam of the telecom.i have stopped using it.

This one dey happen to me every day but I have no where to take my complaint to in Nigeria.
Too badddddd!

BlackViper:
https://nairametrics.com/2025/08/28/the-hidden-cost-of-ussd-how-nigerians-are-losing-money-to-failed-bank-transactions/

Nigerian banks are simply filled with criminals!

Until virtual banks like palmpay, moneypoint and opay showed up, Nigerians were losing hundreds of millions everyday to failed online transfers; we all thought that instant transfers between one bank to the other (with immediate receipt) was rocket science

And then you'd show up to their banking hall to fill different types of form in order to get your cash refunded, and they would treat you like you had two heads. Most times you never got the money back

BlackViper:
https://nairametrics.com/2025/08/28/the-hidden-cost-of-ussd-how-nigerians-are-losing-money-to-failed-bank-transactions/

The banks are not only defrauding citizens but the Lugard's Niger Area of a fraud built upon fraud. And it seems we are all proud of it. The FG government and their leaders, senators, police and Judisharing are okay with the system because no one is doing anything about it.

I fear first bank, sometimes when the network is unstable, if you do a transaction, it will show it was not successful, and later it will be successful, so if you do not wait, and you use another way to do transaction, it will become double transaction. Its better to use Opay.

Why are some networks in Nigerian bank so unstable and confuse users.

According to him, the telecom operators are like the vehicles taking the bank customers to their bank, whether they get money from the bank or not is not the fault of the telcos.

“Operators deliver you to the infrastructure of the bank, we have no control over what happens there.

“You know, sometimes, just like the ATM where you don’t have money, sometimes when you interact with the bank, the server is resetting, it’s taking signals from somewhere, and you can’t blame the operator for that incomplete service,” he said.


This is a trash from the so called ENGINEFAR, he is not an engineer.


The telecom will not even allow u to use USSD if u don't have airtime, the first thing they ask is to buy AIRTIME from your bank account and if your bank account is red, that's the end.

There are other hidden charges from the Commercial banks again.

I would have STOPPED using commercial bank if not because I'm a civil servant,

I had #8,496 in my union bank account, I transferred #8,450 to a POS agent , only for me to have #19 left in my account. The POS still collected #200 charges.

The commercial bank only sent a debit alert of #50 electronic transfer yesterday when salary was paid but there are HIDDEN charges on each transaction

My android phone had issue sometime ago and I can’t access the OPay app, so I decided to make use of ussd, used it between 10 to 15 times for just 3 transactions and I was glad they were not showing do you agree to this charge or showing ussd charges throughout the sessions. My bubble was busted when I was able to log into OPay app they deducted money for each of the sessions and I was surprised. Can’t remember the amount but it is lower compared to zenith bank that I do use also.

Well since the ussd transaction have been charged directly from my airtime it as been working perfectly…it’s now even faster sef

Exactly what Opay did to me, and all efforts to seek redress has been futile.

Do you have a case of failed bank transaction reach out for a advice on legal action. omothompson@gmail.com

dalongjnr:
The surest way to put yourself into trouble is to use USSD for bank transactions.
It's frustrating and the rate of failure is 65%.
No dispute resolution mechanism,no refund for sms charges if transactions failed and the chance of autoreversal of failed transactions is 85%.
Best solution,use your phone numbers to open moniepoint account, opay,palmpay and most of this Chinese backed banks. You can check real-time network services of other banks and can dispute transaction easily without officially reporting any failed transaction.
2. Go for second tire bank like polaris,sterling and jaiz bank, their network and services are more better.
3. Use 1st tire banks only as a domiciliary account for foreign transactions.
About two days ago,access bank services across all platforms were unacceable,even within the banking halls in some branches. It was jaiz, moniepoint and opay thar saved the situation

The problem is that we use for data recharge.. u can't use the app when u don't have data

Zenith bank is the worst. You can never do a single successful transfer since banks started this madness I had to open opay by force. And I use only app no more ussd for me.

YourGFsnatcher:
The problem is that we use for data recharge.. u can't use the app when u don't have data

Always have data on your phone. You can do monthly subscription just for that purpose self.

Toymax88:
According to him, the telecom operators are like the vehicles taking the bank customers to their bank, whether they get money from the bank or not is not the fault of the telcos.

“Operators deliver you to the infrastructure of the bank, we have no control over what happens there.

“You know, sometimes, just like the ATM where you don’t have money, sometimes when you interact with the bank, the server is resetting, it’s taking signals from somewhere, and you can’t blame the operator for that incomplete service,” he said.


This is a trash from the so called ENGINEFAR, he is not an engineer.


The telecom will not even allow u to use USSD if u don't have airtime, the first thing they ask is to buy AIRTIME from your bank account and if your bank account is red, that's the end.

There are other hidden charges from the Commercial banks again.

I would have STOPPED using commercial bank if not because I'm a civil servant,

I had #8,496 in my union bank account, I transferred #8,450 to a POS agent , only for me to have #19 left in my account. The POS still collected #200 charges.

The commercial bank only sent a debit alert of #50 electronic transfer yesterday when salary was paid but there are HIDDEN charges on each transaction

I noticed this hidden charges this week with my zenith account. They showed me an accured debit after each transfer without explanation. May God just continue to provide for us Nigeria problems has no solution.

Beyond the USSD dilemma, do you also realize all electronic charges and alert fees are usually not refunded with failed transactions either transfers or withdrawals.

I 've never used the USSD code bf for any cash transaction and I don't think I can ever use it.
People should avoid it and seek alternatives..


How much I get wey one bank or network go 419 me.

Hespee93:
People are still using USSD to make transactions in this era?

It's very possible especially when you run out of data and you want to do small recharge for data.
All the Bank charge for as many failed attempt including opay