₦airaland Forum

GraduatesGrant:
A mystery i'm still trying to unravel

Weren't you told anything at the bank?

OP, I'm sorry for your loss but I'm more curious about how your money was transferred via USSD..
Don't you usually need a PIN to carry out USSD transactions?

Bossman25:
Which access bank is paying #260k?
Is it for the core staff or everyone? For core staff they only hire at maximum 3 and I believe they are paid #240k......those 3 employed ( we know na both connection and every every)

This shows you don't even know anything about the bank at all.
You can meet any core staff for their payslip and see how much they're paid monthly.

Also it's not a government job that you need "connections" in order to be employed.


Lmao. You say they hire at a maximum 3, have you ever been to their training school? It's at Allen, Ikeja, go and see the number of people there if it's "just 3"

See stop deceiving yourself. How can a bank restrict age of employment to 24 years.....?
Yet it is most shittiest bank I have ever seen or banked with in my entire life.....
Go to Gtb bank were we have mature men as staff doing banking services and providing solutions for its customers.

This is really none of my business.
I'm not even defending their hiring practices or the quality of their services.
I was just pointing out to the previous poster that whatever reason they have for hiring young people, it's not to pay them peanuts as the poster insinuated.

If you have any grouse with their hiring practices you can go to their head office to complain.

Leksidebolton:
I Don't blame them “ tax and all “ they’re looking for someone below 24yrs that still live with is parent and won’t have problem with the amount he or she is getting “ cause they’ve thought of it that 24yrs should still be living with his or her parent “ no much responsibility yet and no feeding problem just transportation, buy wears and do sub on his or her phone”

No I know why it’s more than Banking �

I'm not defending their hiring practices or anything.
I just wanted to correct the bolded.
Access Bank is actually the highest paying Bank in Nigeria.
They pay their entry level staff almost 260k monthly (aside from the other bonuses, allowances, profit sharing, etc that's standard for bank staff), plus a car (financed by your salary).
That's more than the amount seasoned staff get in many other industries and government parastatals.

xcesspaschal:
I have been using dis Bank for 16 yrs. Truth be told, I appreciate their services but sadly, their service charge is hrtbrkin. Am considering closing my account with dem.

Stamp duty---excessive charge
Card transactions---excessives charge
Transaction alart..... excessive charge
Message alart....... excessive charge
E-channel-----excessive charge
Card maintenance-----excessive charge
These n more. I swear, am hating GTBANK

All those charges are standard for all the whole banks in Nigeria.

In fact the stamp duty is mandatory by CBN, and it goes to the government coffers as tax, not to the banks at all.
So as you can see, you can't avoid the charges no matter where you bank.

Giant of Africa

Two words: Buy Bitcoin/crypto

OP, That's what the police is for.
Report to them, and they should follow up.
(This is Nigeria, so who knows if you'll be able to get resolution)

But on the other hand, USSD transfers require a PIN, so how did the perpetrator know your friend's PIN or even get access to your friend's phone in the first place to make the transfer?

This is Nigeria, so who knows.
If the government is serious about the NIN stuff then new sim cards should be registered with NIN too, since old Sim cards need it.

Mohbola:
whatever you call it, it's a gaming phone. QED

The same way a Peugeot 504 is a racing car.

No.
Reason: signature verification.

Finally!!
I can get my own Swift Sim card!

Very good.
I wish all corrupt politicians would be denied even Visa to any country.
So they have no where to run or hide their children.

Permanent job is better than temporary job.
Depending on the job, you might be able to move up in ranks and earn more, meanwhile your current job, after a month that's it.
Also the depending on the nature of the job, the second job bag be valuable experience that can boost your CV.

Malawian:
How different is that to borrowing money?

I don't think Nigeria borrows naira from the IMF or any other country it borrows money from.

Also if it is borrowed, it has to be paid back - usually with interest- so it will still leave eventually.
Not so with printed money.

Malawian:
This is not answer to the question asked. If you can print your own money, why borrow from others at an interest?

Because the value of your currency will decline rapidly if you choose to print more of your currency willy nilly.
See: Zimbabwe, Venezuela, Germany after world war 1.

OP: login to your bank's Mobile app and request for your statement of account, it should give you an idea of the platform used to make the recharge.
If it's USSD then the person somehow got access to the SIM card you used to register at your bank.

Suddenly, everyone is an expert on infectious disease and vaccines

OgogoroFreak:
Sure. They might even support it with solar.

True, although given the current state of solar charging tech, that would take a very long time and is not really efficient.

But I believe they won't be driving it too far like traveling cos if it died on the road, how would they recharge?

Proper planning is the best way to go.

As with fossil fuel cars you plan for your trip by having enough fuel beforehand (that is if you don't plan to buy fuel), Tesla owners too will plan to have enough charge before they set off.

Tesla’s long-range Model S promises to drive roughly 370 miles without stopping for a charge — about the distance from Lagos to Abuja (~331 miles)
So barring any faults by the car on the road, you can charge your Tesla fully before you leave Lagos, and arrive Abuja with charge left over. Plus you can always shut down your car in traffic and let solar replenish a few lost cells.

I think the greatest danger in long trips is the possibility of mechanical damage to the car on the road: getting competent mechanics on the highway for already established fossil fuel cars is already a chore, not to talk of for a car the mechanics possibly don't even know exist!

Aquilapriscilla:
Hmm they will spend on electricity

I haven't done the maths, but I don't think it will be as much as fuel costs.
Apparently Tesla vehicles are very fuel electricity efficient.

Aquilapriscilla:
how will they charge it?

I pass my neighbour

On a serious note, the owners most likely construct charging stations at home

OP, simply go to another of their offices.

Slyver09:
What do you mean no developer support for the LG G8 I'm about to make payment kindly assist

Check XDA. I don't think there's even root for the device, not to talk of custom ROMs -- that's if you're interested in that kind of stuff. If you're not then it's a good phone overall

harmargedon:
really, so they deduct close to 50 bucks whenever someone transfers money into my account too right. What's the answer to that. Like I always and will still say! Our banking system is totally and truly messed up.

It's called Stamp Duty, and it's the federal government through FIRS that is charging that as tax, not the banks.

All deposit banks and financial institutions are required to charge stamp duties of NGN 50 on every eligible transaction above NGN 10,000

So you can see, the money doesn't go to the bank at all, but to your corrupt government.
If you're going to be angry at anyone, be angry at your government's politicians that embezzle the tax you pay

Bvlgari:
very good...but a quick question...how would they know a fraudulent transaction? like how would they know a transaction they are about to carry out is fraudulent or should they just start profiling all their customers?

Good questions.
Fraudulent transactions = obviously fraudulent transactions that you know are not legit.
Eg, a friend of yours or whoever at all, by whatever means finds or clones a card, and comes to you to withdraw (or "cash out" like the young ones say) from the account, when you clearly know that said friend is not the owner of the card and it was obtained illegally.
Also as a POS operator you're not supposed to record details of a customer's card, or clone the card, so you can make unauthorised withdrawals from their account.

To answer your question, yes, by law from the central bank, and rules from the bank, POS operators are actually meant to do KYC for customers (I think there are different levels for different transaction types and amounts) before letting them use your POS. So in case you later find out the transaction you did was fraudulent, and you have nothing to show the police or bank when they're looking for the person who did the unauthorised transactions, you will not be held liable.

ClassicMan202:
Who tell you say Elon musk do rituals?

Na wetin them dey usually talk.
Say all these billionaires say them sell their souls to devil.
I come dey wonder if naija souls dey cheaper than oyibo own.

All the people for Africa wey talk say them dey do money ritual, none of them reach top 100,000,000 sef for richest people in the world, not to talk of Forbes list
So wetin be the benefit of their so-called money ritual?

Money ritual real meanwhile Elon Musk and Bezos are competing for net worth of $200 bn meanwhile all the people doing """money ritual""" fit no get up to $1 million for all their assets.

Abi African ritual (like all other things African) dey inferior to oyibo own too?

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