CowbellY:
Hello all,

Not sure if this is done here but need about £4000.

I have the Naira equivalent at rate of 430/£.

Putting everything out there so as to be transparent.

Lexusgs430 can serve as escrow.

You might want to check rates online before quoting yours. Pounds is going up and you're offering 430 here? They might as well use remittance services

Lexusgs430:


I would assume it's treated like a purchase.........

PS: When you pay for money transfers with a card, it is treated as a cash withdrawal. So have that in mind when you intend to pay with a credit card.
We send our MCC codes along so you'll be heavily charged for it if it is a credit card

fabgirl22:

What happened. I don't think ohentpay is scam, I have used them to transfer a big sum of money some wewks ago,They were efficient, didnt have any prob with them

Hello fabgirl22,
Thanks for the kind words.

TLDR; Access Bank systems went down on 31st of June, no incoming nor outgoing payments. They were working on it throughout the weekend.
Monday, NIP network went down. Affected the whole country as a lot of financial services went down as well. We're talking payout networks, digital wallets and banks etc. Our systems had no issue, it was literally just the banking network and there's no way we could have mitigated that. We explained this to a lot of our customers and we issued refunds to those that couldn't wait and we could issue refunds for. When the network came back we had a lot of double payouts, data fragmentation etc. And we had to manually resolve every transaction with the bank.

I'll post a full post mortem and proofs (those I can) when I get home as I'm on the phone right now

Mimzyy:
I mentioned this some days back.I don’t think they are fraudulent though but there’s something seriously wrong with their modus operandi. Never gonna use them again.They went ahead to send me mail that they have changed their bank account, I just marked the mail as spam. Once bitten...

Hello Mimzyy,
I am very sorry you felt that way. Payment service provision and remittance is a regulated industry, and quite strict here in the UK. There're a lot of changing rules and de-risking which adversely affects start ups the most and it happened to us a few months ago. We had to restructure our banking partnership to reduce the risk of money laundering. This meant that we couldn't have an account directly with Barclays Bank UK PLC. We had to go with Barclays International (corporate) or a provider that services our sector directly.
No matter the option we chose, our bank account must still change. There's literally nothing we can do about that. It happens to everyone in the industry and it will happen to us again, but for the better.

There's nothing shady about it. We're fully licensed to operate and we're supervised by the FCA

missjekyll:
Please do not,I repeat, DO NOT use Ohentpay to transfer money.

As we speak ,I have had to lawyer up and report to the UK police to try to get my money back from these bastards.

I could have been sleeping on my off week but here I am having meetings because of some scum.

If you have no use for your money,toss it in the tip.

I m soooooo angry

Hello MissJekyll,
I am Emmanuel from OhentPay. I have been on Nairaland since 2010, was very active on the travel section helping folks with their visa applications between 2014 and 2016. I rarely come on here these days but I do once in a while.

An acquaintance of ours just notified me about this thread so I came here to clarify to anyone who might have questions. I have also been in contact with you since then, sending emails as we go until you threatened legal action.

We would also be communicating with all affected customers tomorrow about what happened last week, which I kept explaining to you but I could understand the frustration and lack of trust being that it was your first transaction with us

Phayie:




Yes, there's ulterior motive. The fund we want to show will be transferred into the account by my brother who base in the UK. We don't want the exchange rate to affect the amount so as to transfer back the exact amount. Also we want to use the domiciliary account for our savings because we are going there because of the kids (we want a better life for them) and majorly to go and hustle

Yes, you can use a domiciliary account. No questions asked

fabgirl22:
Anyone in london want to send between £1500-2000 to Nigeria? I have the equivalent in naira in my access bank account, I just need the money in pound, pm if you are interested , we can meet up in London for the exhange. Both will be done by bank transfer. thanks

You can do an international transfer from Nigeria direct to your UK bank account using our service. You pay Naira to us, and you receive pounds in your UK account. We have people paying school fees through us as well, and even depositing their maintenance funds in the UK for the 28days to mitigate currency fluctuations. Checkout the website for more info https://www.ohentpay.com

banom:
i want to do an undergraduate degree studies in the uk, but i want to start with a foundational degree program first and after one year move proper into undergraduate studies.

now my question is will the Uk embassy in Nigeria issue me student visa if i am admitted to the foundational degree or must i get the full undergraduate admission before I can be eligible for a UK student Visa ?.

Gurus in the house help me out.

The foundation year is usually tagged along with the main undergraduate years so you'll get the full 4years (if it's a 3 years course)

Rotimi89:
Any idea on nigeria banks chages on international atm withdrawals? Or suggestion on which bank charges lowest for international withdrawals?
I have first bank and Ecobank..Dont mind opening another is charge low.

Thanks

Shameless plug:

You can do an international transfer from Nigeria direct to your UK bank account. Our fee is just N1,000 per transaction no matter the amount, so it's way cheaper than cashing out with your debit card or even sending pounds through your bank. We have people paying school fees through us as well, and even depositing their maintenance funds in the UK for the 28days count as our rate is far lower than the rate on Oanda.
I believe we're the only company doing from Nigeria to UK. Checkout the website for more info https://www.ohentpay.com

FTF2069:


Thanks, I've always researched and read through the process. I just never really understood it in practical process how to take next steps in this regards.

Thanks. About the licensing requirements can you give a bit of heads-up in that area

Here's the draft document

[url]https://www.cbn.gov.ng/Out/2018/PSMD/Circular%20on%20the%20exposure%20draft%20of%20new%20CBN%20licensing%20regime%20(Licence%20tiering)%20for%20payment%20system%20providers%20.pdf[/url]

So basically, prepare to raise investment funds. A lot of funds!

This is a research you should actually have done before even touching code.
Research 'Payment facilitators' and 'Payment aggregators'

No card scheme is going to give you direct access cos you're too small a startup(high risk). In Nigeria, you'll need to go through Interswitch or Flutterwave. Licensing requirements is being drafted right now so expect huge capital requirements thanks to inept government policies

moneyadulttube:
You forget e currencies like Payza, perfectmoney, payoneer and so on.

Most people do not accept e-currencies because of the inherent risks.

Money makes the world go round. But how can money make the world go round when money itself isn’t allowed to go round the world? This is a Nigerian case.

Who would have thought that at this age of vast technological breakthroughs, sending money abroad from Nigeria would be such a herculean task? This difficulty does not stem from the absence of adequate technology to facilitate such transfers, but from the knowledge (gained through experience) that Nigeria is a country steeped in a well of financial crimes. Thus, just as it is difficult as a Nigerian to get a visa to countries like the UK and US, it is even more difficult to send money to other countries.

It is like the rest of the world is saying to Nigeria and Nigerians: abeg, stay your lane. As a result, lecturers go through stringent processes to pay for journals, parents have to devise several means of sending money to their children abroad, and Google pops out only a handful of irrelevant information to the search: How to send money abroad from Nigeria.

It is interesting to note that sending money into Nigeria isn’t met with such difficulty. Because in a world where the notorious ‘yahoo boys’ continuously milk white, unsuspecting “clients,” it is ironic that sending money into Nigeria is so easy and flexible. This irony conveys a strong lesson: no process is 100% foolproof. Not everyone would understand the purpose of a system, thus there will always be abuse, and there will always be people who make a mess of the system. But it seems that this lesson is lost on the financial administrators who make these stringent laws. I would suggest a review of decisions and methods.

There must be other ways of nabbing financial criminals. Besides, the ‘real’ financial criminals loot billions out of the country through clandestine processes, especially in this world of offshore accounts and tax evasion. Strict control on money transfer has had little or no effect on these financial criminals, it only frustrates the common man who has good intents. But because las las we go de alright, many have sought ways, no matter how difficult, to still send money abroad and fulfil their desires. Through inquiries and research, I have found out some of these ways (some tasking, others a bit easy) to send money from Nigeria to other countries:

1. Western Union
With its motto being, ‘Fast. Reliable. World Money Transfer,’ one cannot help but question why a lot of folks try to avoid using Western Union, why people still quickly dismiss sending money outside Nigeria as nearly impossible, why a Nairaland user posted: I was hoping someone could help me with advice on sending money from Nigeria to the UK. Western Union is no longer available.

During its heydays, transferring money out of Nigeria through Western Union was still not a walk in the park. One would need to first convert naira—at cutthroat rates—to dollars, pound sterling or euro at the bureau de change or Hausa men wearing caftans with shawls wrapped around their neck. From there, one would proceed to the Western Union agent (usually a bank) where there must be a presentation of receiver’s location, identification and cash. And trust me, this is not a quick process.

2. Domiciliary Account
This type of account enables one hold money in any other currency other than naira. This account that can be operated anywhere in the world through internet banking or MasterCard, and is used mainly to receive cash from other countries. However, it can also be used to send money out of the country.

But a domiciliary account is only necessary if one receives money often from abroad. Different banks in Nigeria have different hassling steps for opening a domiciliary account. These steps often include:

Having a normal, current account with the bank.
Two duly completed specimen signature cards.
Two recent clear passport-sized photographs with name and signature written at the reverse side.
Residence permit.
Valid identification (International passport, Driver’s License or National ID.)
A copy of Public Utility Receipt (not older than 3 months.)
An initial deposit.
Two references.

Phew! Isn’t this why the writer hates banks?

3. Cryptocurrency
After the crash of Ponzi and multi-level marketing schemes in Nigeria, a new wave hit the Nigerian financial environment: Cryptocurrency. Digital money. The future of money. The revolution of money. The antagonist of fiat currency that everyone loves but is at the same time wary of. Many crypto aficionados have quipped that one doesn’t need to go through the hustles of conversion and crowded bank space to send money abroad. Provided the recipient has a cryptocurrency wallet (especially Bitcoin), which can be opened within minutes, money can be sent in record time.

Still, many are sceptical about Bitcoin and its volatility. As of the time of writing this, 1 Bitcoin is worth a little above $4,000. This was same Bitcoin that skyrocketed to $20,000 in December 2017. So using Bitcoin or cryptocurrency in general as a means of transferring funds requires firm belief from both parties.

4. Online Remittance Services

For some time now, different online remittance services have sprung up to help facilitate the transfer of funds into Nigeria. Using mainly forex exchange rates or rates preset by the company, online remittance services, such as Azimo, do the appropriate conversion online and send the naira equivalent to the Nigerian bank account. Pretty easy. But this is the bane of online remittance services: this sole, restricted ability to transfer funds into the country and not outside it.

Recently, however, there have been news of a new online remittance platform, Ohentpay, which allows transfer not only into Nigeria but outside Nigeria. The platform offers the flexibility and convenience one needs to transfer money just from the comfort of one’s smartphone, thus making Nigerians enjoy, for the first time, a stress-free way of getting their money abroad.


Source BellaNaija

RalphJean:



Joint account? For tier 4 visa application?
How do you prove what percentage of the money is available for your use while in the UK?
I wish you luck.

I don't need luck, what I need is the official Tier 4 guidance document. Please make sure you've gone through it thoroughly before giving advice to people on here.
Point 230 (i) under the title "Documents needed to show money available to the student", page 56-57.

RalphJean:


personal accounts: YES
Joint accounts: NO

Yes you can use joint accounts

blunts007:
They are racist in Glasgow i feel England is more cosmopolitan.. You walking on d streets and some white dude crosses over to d pda side..

Lmao

awwww, don't worry. You'll get used to it eventually and it wouldn't bother you anymore.
From my experience, the smaller towns are a bit nicer to foreigners than London, Manchester etc.

Bourne007:
These ppl shaa .. Do you know the reason why?

IMHO, digitalisation. Most banks are closing down branches

akfaa:
Their immigration website states that online statements have to be stamped on all pages or a letter of authenticity provided. Is this not required for bank accounts domiciled in the UK?

It's not required anymore. I was told by the bank that home office verifies the statement with them during the decision process

akfaa:
I recently completed my MSc in the UK in November 2017. I was offered a studentship at another university in the UK for my PhD and I am hoping to start on May. My husband and son are applying as dependants so we need to have maintenance money for them as the studentship does not cover this. The maintenance money is in my UK account which I opened while I was in the UK. My questions are these
1. Can I use this UK account? The account is in my name but my tier 4 visa expired in January
2. Can I print an online statement and request a letter of authenticity from the bank, this is allowed under the UKVI policy, but is there any one who has done this and was successful?
3. Can I submit a stamped statement from the bank (which will be a scanned copy)

I am not very sure how to go about this. Pls I need your advice.

Thank you.

Since October 2017, UK banks no longer provide in branch nor stamped statements for visa purposes. Just print off online and submit it.

owoade25:
Hello Everyone, i do not wish to derail this thread. Certainly, leaving the country and having an international degree gives a competitive edge. However, i do notice there are lots of people like me on this thread, not born with a silver spoon, trying to succeed no matter the challenges . And since UK does not allow one to remain after studies unless you get a job offer from a reputable company.

Questions:
1. how easy is it to get a company to sponsor one after studies?
2. if there is no sponsor, what next?
3. then is it worth it for silver spoon-less people like me to gather so much money and then drop it in one country that does not want me around for so long...

your candid (and if possible brutish) comments are welcomed.

You can also consider Tier 1 Graduate Entrepreneur route if you can come up with a credible business venture. Sponsorship is quite easy to get as it's underutilised

Bourne007:
You will have to leave the UK to apply for any tier 1. Switching to Tier 2 is an exception though

No you don't

dafemnet:
Any of the Tier 1

They are all widely different so which one are you going for?

dafemnet:
Hello House,can a Tier 4 Dependant Switch in the UK to a Tier 1.

Which Tier 1

Vicrown:
Hello house, I recently got a scholarship at the London school of economics and political science worth £34,512 while the tuition fee is £20,122 remaining £14,400 for living allowance. However my CAS reflects that I have £0 for accommodation and I intend to pay rent from my allowance. And I can only have access to the fund after I have registered. Should I mention on the visa application form that I will be staying with a friend until I get my allowance? Secondly, how much is the IHS? Can I pay with verve or MasterCard? Thanks.

Home office has no business with where you'll be staying. The Maintenance Fund is also for your accommodation and they know this. The £0 on the CAS just means that the university did not provide accommodation for you, therefore there's no deduction.
If you're asked during the interview where you'll be staying, just say you'll rent privately close to the campus.

kaloma:
hello everyone in the house . I will like to know can the 20hrs work be sufficient to sustain without been sponsor as a student in the UK . i will appreciate your response.

Thanks

Sustain you for what? Living expenses? School fees?

guiddoti:
yeah, thanks for the correction. Actually, my university was ready to sponsor her students for the scheme, but the money was very huge sum for us.

You don't need the 50k right now. It is after the 1 or 2 years sponsorship, then when you need to switch to Tier 1 Entrepreneur.
If the business venture is lucrative, you'll definitely come up with 50k in 2 years. Especially now that a lot of investors are looking for where to throw in their money.

Also, note that the 50k include capital you've been putting into the business for that 2 years.

guiddoti:
Bro, as you have been told, try those places. UK only need your money, even your school will give you fake promises as if you will get one. Though, one of 100's student gets job.What I can only advice you is, always put your eyes on companies like network rail and bombadier, grace you may meet. I am sure these companies can sponsor your working permit. Moreso, If you have £50,000 to invest, you can convert to tier 2.

You mean Tier 1 Graduate Entrepreneur? That's not really how it works.
You have to get a sponsorship from the university for it, then after 1 year, switch to Tier 1 Entrepreneur with the £50,000

DisGuy:


as the Royal Prince of Zamunda...May i suggest £1500
or round it up to £2000!

Please make it £5000 cos you also need a friend, and friends are very costly in this country

donbreeezy:
Hi guyz.. dz group is amazing!

please, my dad is my sponsor and I already indicated that in the CAS form I filled, but now he will have to put the money for the maintainance test in my account because he has issues with his own account. Is it possible I use my bank statement when my dad is the sponsor??

Yes, you can use yours

DharkPoet:

Thank you very much, I appreciate. But is there any difference between setting up a Cron Job and using a MYSQL event scheduler?
Just asking, thanks a lot.

DharkPoet:

Boss dhtml, how does this work? How do I go implementing it? I'm migrating to DigitalOcean, do I think I should be able to run CRON based tasks (My first time ever using DO or a VPS).

Which method would you suggest I go for? Thanks

Welcome to DO. As you're migrating to VMs, I suppose you also want to do things the 'right way'. dhtml18 has provided enough information for your options so there's no need for me to do that.
CRON jobs are very easy to setup. It is just one line of code in your user cron file and everything is done. CRON is the defacto way to run scheduled tasks on Linux. It scales very well and because the task is not tied to your database, there is no single point of failure. But then, I suppose you really don't care about that for now.

This is the line to run your php script every 5 minutes.

*/5 * * * * php /path/to/script.php

I wouldn't use mysql to run scheduled tasks for so many reasons. The most important ones for me being scalability, migration and seperation of responsibilities. Today you just want to update a row, tomorrow you want to send an email notification after you update the row. What would you do then?
Triggers are also a nightmare to work with, a simple search on google will explain much.

Since you have root access to this VM, I don't see why you shouldn't make use of the power it offers. Why offload a critical part of your operation to a third party when you can handle it internally without any downside?

You need to setup a Cron job/task scheduler script that runs at an interval (every 5 minutes)

Anfieldboss:
Is it possible to work on paid internship with Tier 4 visa?

Yes, it is. Number of hours depends on if it's part of your course and if it's during term time or not.