₦airaland Forum

MCdrinkwater1:
Really? How can I go about it, any site or direction pls

apeleone:
Please has anyone been debited from GTB?

Bluekapon:
I was in GTB today and was told it's from 50m upwards for primary market henceforth and was given the option of secondary market.
First Bank and Zenith told me 1m upwards. Plz, is this the case or was I misinformed?

ojesymsym:
I personally do not think that those so called yahoo boys are hyper tech smart like that. The major loop holes they look for are the ones made by the owner of the account rather than been able to hack the bank system itself. That guy non be like who even know about chat GPT not to talk of being able to make API calls.

There is no way in this world that that guy in that video will understand lesson 1 in ethical hacking not to talk of becoming a hacker. The truth is that Nigeria is one of the few places in the world with the most access to your account remotely and being able to do the level of transaction outside the banking hall as we are able to do here .

So banks usually have to joggle with letting you have as much remote access as you want and still devising ways to ensure that only you or a person you willingly or otherwise allow to access your account.

They use security layers like 'what only you should know' eg password, BVN, date of birth, 'What only you should have' eg token and then another banks like GTB put another secure question for transfers different from login password to your internet banking.

However, I have heard stories of people looking at their ATM and their token in their front like this and money zapping out from their account, na those ones I never understand but I am convinced that these kind of guys in that video and many of them fronting software, software (which I believe is a database they have been collecting for a while) do not know any IT jack.

The real hackers na eastern Europe, Russia and China them de

Ogelite:
Good morning all.Please what is the mininmum amount to invest in treasury bills.I contact Gt fund and they said 2 million naira.Can someone help with firms with lower rates.Thank you

Wotowotoman:
That yahoo boy is just too smart for someone that didn’t go to school. This kind person, police suppose to dey use am well to learn

Streetinvestor2:
Pls let me hear your opinion on my wife case with zenith bank.My wife tried shopping online believing it was the regular site she has been using. This was around 3pm on a working day.The transaction failed. Then around 5pm she got a debit of #1 naira.within 1 minutes she got different alert of 1 million and the whole money in the account cleared.since the banks already closed she could not go to the bank.The next day she went to bank and was told the money was used to shop oxl some whr in lagos
The surprised question is that she normally get otp notice for confirmation when she uses her card but this time none came.when she checked with bank customer desk she noticed a new phone introduced to her account which she believes the otp notification was sent.
She went to efcc and wrote to cbn but till today nothing came out off it.
Do you think thr could be insider hand work in this situation. Make I know if I should bring in a lawyer now.The amount taken was 1 million naira
I keep wondering how unknown number was introduced to her bank details with the bank.

ojesymsym:
This is so unlike you, you are usually calm and ready to listen but this time you seem really paranoia, you are trying to find the root cause of venerability, but at least be open to alternative ideas.

I have been in a situation where I wanted clarification also, even though in my case I wasn't duped but an attempt was made. I even opened a thread on it then. https://www.nairaland.com/6779196/bvn-fraud-encounter-fraudsters

awesomeJ:
Any bank who uses this weak system you describe is weak and undeserving of even a microfinance banking license.
In your funny imagination, anyone can just click reset PIN, and type in anything they like to reset my PIN? you must think the banks are fools.


In my experience, to reset your PIN at GTB for instance, you need to know the answer to a secret question, without which, you'll have to visit a branch for a physical reset. Stanbic too would require a physical visit for PIN reset if I remember correctly.

Basically, contrary to your inexperienced idea about these authorizations, any OTP sent to your line for PIN reset would only be possible after you've either provided an old PIN, your ATM PIN, an answer to a secret question, or gone to the bank for physical bimetric verification. You're extremely wrong in thinking any bank has a system that just lets you reset a PIn just cos you clicked a link, without having any other form of authorization.

Stop peddling ignorance, If you have an experience contrary to what I described, narrate.

Streetinvestor2:
Pls let me ask.i don't know much about tech matter.This is based on the unfortunate thing that happened to a member as per loss of phone
I use gtb app on my phn.I don't use ussd on my account and no atm attached. I only use the app with hard token I bought from the bank.Does it mean if one gets my sim card which has no lock.He can have access to my account.Though my phn has phone lock.

awesomeJ:
Facts you say??
When you attempted a reset of your pin without going to the bank, did the system ask for your old pin or not?
Could you have succeeded in resetting the pin without knowing the old pin?
I really don't know why you feel the need to push these weak points?
Did you do basic computer programming?

awesomeJ:
What renders your argument faulty us you making it seem like sim card is the primary mode of authorization for transaction, it's not.

You should compare my pin to the house key, then you'd be having a solid point.


No one is blaming a bank for a compromise of their pin.

The blame comes duly on them, when I have a pin that should give me a level of security, and fraudsters still bypass their system regardless.

Using your contractor analogy, it's like me never losing my key, locking my door, yet people still gain access to my home.

The contractor has got to be liable then for installing a faulty lock system.

As long as I can prove that I locked my doors and the invaders never used my key.

Mpeace:
No need bad mouthing any bank here. All of them are the same. If the so called "those who should know" that gave you the feed back are not CBN fraud monitoring unit, then its best you treat the info as unreliable.
Access bank is one of the largest in the country and has almost the highest customer base, so you would think theirs is the worse.
Proportionately, they are all the same.
Truth be told, most fraud cases these days have some fault of customes, though not all.
Someone calls you claiming to be your customer care agent and you immediately give out all your banking details and pin. Then you blame the bank when your account is cleared.
Or your phone gets lost, you do not immediately block your sim until your account is cleared.
Those guys that hack phones only need your sim card. No matter your bank.
These things happen to all banks so thise banks with more customers will definitely record more cases.

awesomeJ:
No one is picking any fight with you. The deal is if someone else had posted the question, I wouldn't have commented unless I had some insight on the matter. In your case, you were quick to bring up points that weren't contextual, and made it sound like you were passing any new information. That's what I spoke against. No fight.

Itsrm:
Waste of time. The money went to a POS account. All the POS agent needs to show is evidence that the money was paid out.

POS agents have no means of identifying fraudulent transactions.

awesomeJ:
I do not agree with you on this.
I've been using bank accounts for decades.
Your point about date of birth at GTB would have been valid if they moved any money at all.

Self recharge requires no authorization. That's well known. DOB or last digits of ATM card only become relevant when you're transferring above 20k, so if your argument was valid, they would have been able to move at least 20k per day, but they couldn't, only self recharge which requires no authorization.

I have 5 bank accounts, yet only access had the vulnerability.

The insight I seek is for someone who may know something meaningful that I may be missing, not this doB talk that's out of context.

awesomeJ:
Guys, please who can explain this situation:
I lost my phone 3 days ago, I had 8k in my access bank account, and 600k in my gtb.

I use the same USSD pin for both banks.

When I got a new phone 2 days ago, I noticed all the money in access was gone, but only 6k was missing from gtb. The 6k missing from gtb was used to recharge my line, so the airtime remained on my line.

I'm trying to build a case against access bank that they have a vulnerability, cos if the fraudsters had known my USSD code, they would have been able to move money from my GTBank as well, since it's same pin, and gtb had more money.

Who has an idea on what I might be missing
Thanks.

alezzy13:
Nothing o. Though my case is different. The guy in charge at my branch actually forgot to process the bids!!!. Yes o, na so I see am. He said he thought it was next week!! Was very pissed 😡😡 no one at my branch was successful 🥺

However I thought someone earlier said GT was successful for 365 days?

alezzy13:
I did that of 364. Usually by Thurs evening they would have debited, but nothing till now.

But I'm still hopeful

ujuchike:
Greetings everyone,
Please I got admission with one of the private universities and am about to apply for my study visa, is police report included in the requirements (though I didn’t see it in the embassy checklist)?

And please if you are in any of the private universities, can you indicate I have some questions to ask.
I will appreciate if I get quick response.
Thank you

kaysy:
No please, it's still the same clearing cost of used vehicle it will incure

kaysy:
For this ML, bring N6.5m make I clear am for you

Owon:
The criminal company
African Alliance company PLC has refused to pay me and many others their insured money, months and years after maturity.
THEY HID UNDER THE CLOAK OF ISLAM, WITH THEIR FRAUDULENT TAKAFUL SAVINGS PLAN TO DEFRAUD PEOPLE.
I have written several emails to them without a single response.
I have been to their office at Ikoyi last month to warn them and that my return won't be good...

I HAVE WRITTEN SEVERAL COMPLAINTS AND REPORT TO THE USELESS NIACOM THAT'S SUPPOSED TO BE INSURANCE COMPANY POLICE TO PUT THEM TO CHECK, BUT THE USELESS NIACOM IS NOT EVEN RESPONDING.
I THINK AFRICAN ALLIANCE INSURANCE COULD HAVE BRIBED THEM...

Please I want suggestions from people who have had similar experiences with these evil and criminal insurance companies and how they were able to retrieve their money.

https://www.nairaland.com/8050757/how-get-money-criminal-african

yemioke:
Good day Everyone,
Please I would like to know if investing in Ghana TB is a good decision. I am a Nigerian living temporarily in Ghana. currently, TB rate in Ghana for 364 days is at 28.5%. please I need your opinions. thank you. Also, Please investment house vs bank which one is preferable if one is to invest in TB

ogawisdom:
Lol

CBN giving USD woto woto

ogawisdom:
Good news

Naira on massive recovery mode

I hope it will be sustainable

narite:
Nigeria’s problem all boils down to one thing “Being a major import dependent Nation”. Certain areas of the economy have been totally abandoned for decades and focusing on just one major area (oil producing), an area that is not even optimally exploited (still end up importing the oil).

Clearly, the inflation ravaging our country is not that of too much Money chasing few goods (individuals and organizations are already cutting on spendings they do not even have) rather it more of cost-push. With the general increase in the cost of raw materials all over the world and coupled with our currency’s devaluation as an import based nation we are bound to experience drastic unfavorable changes in price of commodities, the costs of staying in business are passed down to the final consumer, this is simple math.

Raising interest to combat this problem as at this point in time is totally absurd, businesses are struggling, trying to navigate through this unfamiliar territory (rising cost of foreign materials, currency devaluation) and we are there raising interest rate, to do what exactly? Probably to kill whatever is left of all this businesses, if they choose not to run away.

There is no shortcut to fixing our problems. Definitely, raising interest rate won't cut it for us. This inflation will persist for a long time.

desmond12345678:
Please is age use as a criteria for MP INFRASTRUCTURE GRADUATE TRAINEE JOB?

Born2conquer:
lol, can’t wait