₦airaland Forum

I will advise you to open an account with Stanbic IBTC bank. Their services are okay and reliable. I was once a DSA in the bank and I can attest to their good service.

uba remains my best bank.
try zenith or first bank.
dont ever near access bank please.

Nettybrown:
Try fidelity

No think am o. I spent an entire day at fidelity trying to get my ATM card. i got to the bank at 6:45am and left there by 4:15pm. If you call customer service, they will still ask you to go to bank branch. So it's utterly useless.

standard chartered bank....

It's still easier to drag a bank for loosing money due to a failed transaction than to carry cash and risk getting robbed.

My opinion tho

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Babs, go and buy piggybank,
Commercial banks are not meant for you... You should be diligent and learn to exercise patience.

lilachiever:
The only bank I can recommend is zenith bank.

zenith bank is no longer as efficient as they used to be. it's about 5weeks ago I experienced a failed POS transaction. I promptly notified zenith bank. I provided every piece of information they required. I was told I was going to get a resolution in 7-10 working days.....I have since stopped counting the workings days as it is now clear that the said resolution may never come after all. zenith bank una do well o.

Ecobank is worse,I was debited of 20k twice and the money was not dispensed ,I've made several complains,I was told that the money would be reverted back in the next 5-7 working days,it's 6th day today.They should just convert Ecobank to poultry

Zenith is good. You'll have your peace of mind. But GTB beats them when it comes to international transactions.

First bank

Uba ... If you have the declined receipt ... It will be returned immediately

crackhouse:
na zenith bank u want use secure space?

..
Your opinion doesn't count here

lol

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Opay is the answer man.

Wawelexy:
You don't want this....

You don't want that.....

Oga go buy 100 kolo...

O Chisos..

Op, best remedy is here..

Fidelity Bank.... very effective customer care...

i experience a similar thing too. But since i started using ussd to do transfer d failed transfer reducei i will advice u to use *945# to do any of ur transaction and avoid using d app . Alat by wema is very poor shall. But they are trying

crackhouse:
Grieving customer.

i experience a similar thing too. But since i started using ussd to do transfer d failed transfer reducei i will advice u to use *945# to do any of ur transaction and avoid using d app . Alat by wema is very poor shall. But they are trying

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

The gtbank email you sent to was the old one.

The more recent email is gtconnect@gtbank.com

Olachase:
bros I'm not sure you kW what I want!!! u HV rejected most of the bank we could have recommended for you
OK try any of those
owo lapo
eagle eye
ipodo.

So we have less than 10 banks?
What happened to
Fcmb
FIRST BANK
ZENITH BANK
UBA
STERLING BANK
FIDELITY
POLARIS

Shoodboi:
Do you know what Ibadan women call LAPO?

Gbomu sori lantern (Putting your breast on a lantern). The worst mistake a businesswoman can make is to borrow money from LAPO. It will end in tears.

LAPO, It's a no go area

Why does it take the banks less than a minute to debit an account but it would take 7-14days to have a reversal. It does not make sense.

Blame the new CBN rule.... CBN doesn't have poor Nigerians at heart before making the money reversal rule.

Use your kolo because you have use all thanks me latter

Ehood:
standard chartered bank....

I've heard alot good things about this bank and Union bank heard they're one of the best Banks to put a large sum of money n you'll feel safe

I heard Zenith bank is the best of all banks..

Another friend Standard Chatered is also okay, no illegal deductions and all sort....

But like someone said, you can give fcmb a trial, they give u interest on your savings.

Try Fcmb

Zenith is the best.
Because the current CBN governor was a former director aat zenith, if you report directly to CBN using their email, e go remain make them come your house come attend to you..
Emefiele warned them not to fall his hand.

Access na rubbish. If you're not coming to deposit, they won't even attend to you.

Ecobank is not really a bank. Its an office where people come to make complaints

I STRONGLY recommend ReadyCash mobile money. It is just like a bank. You will get an account number that you can send and receive money with peace of mind. Since you are particular about customer service then look no further.

Visit: www.readycash.com.ng

Union bank is best

ozodigboo:
Zenith is the best.
Because the current CBN governor was a former director aat zenith, if you report directly to CBN using their email, e go remain make them come your house come attend to you..
Emefiele warned them not to fall his hand.

Access na rubbish. If you're not coming to deposit, they won't even attend to you.

Ecobank is not really a bank. Its an office where people come to make complaints

Really more to the list


UBA is a market place.. The traffic there is hell you can spend the whole day there doing nothing but standing

GTB is a logistics service.. You go carry firm Waka tire from one office to the other....

First bank should just turn to a mortgage bank....

Fidelity Bank is the worst bank of the century...

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Use standard chartered and have peace of mind.

Bro...Union Bank is Bae