₦airaland Forum

codedmax:
I even gut one, but their token ish made me to solely depend on diamond visa

Lord knows i won't pay that 2,100 or whatever for token.

tyconcepts:
Real daylight robbery.

Am surprised because have been rocking Access bank for years now and this isn't the first time am processing refunds, I usually get my refund in full (Not a dime missing).

Haha! These banks have gone mad yo! Diamond Bank processed my $1.95 paypal refund at 194.02. Was debited at 204.08

Debit = 397.96. Credit = 378.35

Losing 10 naira per dollar, now dats something. I am calling Diamond Care now. Wat if it was a bigger transaction? Lol.

Elemental:
First bank charged me N210.02 today for a dollar on a paypal transaction

Thanks for the info, added to first page.

Jeffy1206:
lol that's true. No rejection at all...

True. However still enjoying my Diamond VISA Card. Alipay failed for some reason but when i tried it direct, it worked.

3 weeks straight and rate remains at 204. Very impressive.

Jeffy1206:
I guess you have not used master card before cos visa are the ones with stiff policies which makes them more popular. I think mc is easier to use my opinion tho.

I kinda agree, the reason ppl use GT Bank too much is that their Mastercard is accepted just about anywhere. Even in the north pole.

codedmax:
Hmmm, cool maybe just an alternative for my diamond visa for the main time

Any way I really dnt like master card and their stiff policy, most site tend to filter (reject) master card issued by naija banks. Visa is generally more accepted say 75/100%

I dont know about that but i know VISA cards are generally more accepted worldwide. However, most of us prefer to go the Paypal route these days i believe. Didn't have too many issues with my Ecobank Visa card after i got the cuddy way to put my billing address until paypal anyways. Paypal is the main reason they switched from VISA to MasterCard. But i think these days, both master and Visa are becoming basically the same thing, I'll be worried about the card issuer's rates than the card itself. Cheers!

codedmax:
You not alone, my transaction gut declined over and over again on a merchant website as well

This gut me really pissed coz have made payment severally (2-3 times) on that particular merchant from my diamond visa card, I contacted diamond cc it seems they having some problems

Now I'm think of which bank to obtain a new visa card The current devaluation & dollar rates even gut me thinking hard enough any suggestion guys?

I believe most of us are thinking Stanbic. Tho i think it's MasterCard.

Jeffy1206:
lol. I just must cos I saw the branch where I went... Unfortunately they couldn't open the account today. And I was told that it will take 5working days for the card to be ready. Keep you guys updated.

Lol. Diamond Bank is the quickest I've seen 3. And it was ready. Ecobank took me 10. And their rates are still shyte!

jerrygome:
Awesome job. Thanks pal

You welcome mate, watch the first page for latest updates.

Jeffy1206:
In stanbic now... Getting their master card.

Niggas aren't smiling yo! Lol.

BUT! At 4:02pm? In 1 day?

nenyibabs:
Please people, I'm not trying to derail the thread, but I seem to be having issues with my diamond visa debit card(the green one) I've never used it for international transactions cos my GTB MasterCard has always been handy.
With recent developments, I tried switching to diamond. I dusted my card, changed the i-pin, and yet, my card is still been declined by the sites that I use my GTB MasterCard on. what could be the issue?

Call Diamond Care. Be sure that there's nothing wrong with the card. Used the same card on Playstore, Aliexpress, Origin (FIFA 15), PayPal. No issues whatsoever. It was even my Ecobank MasterCard dat had issues, now u apparently have to go to their branch to apply for ur card to be activated for online purchases. Did they think dat i just wanted to use master card on ATMs? That bank is a confused bank.

Also, i advice that u download the Diamond app from playstore. Click register and use ur Debit card to register. They will send u a username and ur mobile app registration code. Really awesome app. See below.

Jeffy1206:
Please let me confirm something, stanbic and zenith cards is it visa or master cards I'm still confused about the two banks... I'm looking at consistency not a one chance bank like access
Please any advice?

Even tho not hundred percent, I'm pretty sure Stanbic has only verve and Mastercard. Dat was all i saw in their newspaper advert. And Zenith, no idea.
Personally, i want to visit a Stanbic bank today or tomorrow. They are a smaller bank compared to Zenith. in terms of popularity anyways. So i believe they have a lower chance of playing Nairabet with ur money. lol.

Jeffy1206:
PayPal was expensive compared to alipay.
I was charged 209.99 on alipay... PayPal 214

14 naira per 1 dollar is quite ridiculous. Diamond bank yesterday was back to 204.08 never tried paypal on it tho.

Jeffy1206:
is your own special? Cos I was charged higher than this.

How much were u charged?

hisenjos:
Let us help you exchange your paypal funds at very attractive rates depending on the amount. Prompt and reliable same day bank payment available. Contact System Link at exchange@hisen.org or BBM 79813E19 or whatsapp 0803-217-4894

They have come oo.

ibnquasale:
I feel your pain bro. Had a similar issue when I made an urgent withdrawal from one of my forex account using Access Bank... those banks are criminal.. I have had my share of their dubious act especially from gtbank and access bank.
I feel ur pain bro

Lol. She is a lady.

tyconcepts:
Real daylight robbery.
Am surprised because have been rocking Access bank for years now and this isn't the first time am processing refunds, I usually get my refund in full (Not a dime missing).

I summarized their response.
See their original response in uploaded SS.

Edited :
I have the feeling someone at the helm of affairs is playing smart. Have been getting calls left, right and center from Access bank and they said i get positive response in 24hrs.

Will keep you guys updated here.

It would be understandable, YET unfair if their current rate is 199. But i can bet u that access bank rate currently isn't less than 205. 210 is what i have in mind but still yes. It's unacceptable. And just crazy. I really hope u get ur money back. Someone mentioned something like this about 2 days back or so. Let me quote it below.

It's GTB in the firing line here

Habeebpain:
But in a situation whereby they charge you with a different rate for purchase and use a different rate for refund, I think that's robbery. GTB refunded me at a rate of 199 but still charged 215 for transactions made that day.

And here is another in favor of Access Bank.

frebor:
Exactly, my point. And Access bank did refunds with the prevailing exchange rates, I got more than the amount I paid initially.

Lol. It's all crazy, Please keep us updated on this issue.

tyconcepts:
Hear my story!!!

So I had cause to withdraw from the quoted transaction.

I was billed #184,008 ($816) at exchange rate #225.5 by Access bank on the 16th of March 2015.

I asked for a refund from the seller on the 18th of March 2015 for some reasons and the seller approved refund in full.

You need to see how messed up I looked and felt (I was 50 shades of crazy) when I got a credit of #162,384 from Access bank on the 20th of March 2015....As refund for the suppose #184,008 debit.

Question is, what happened to my #21,624.

Quickly I twitted at them on twitter (I choose that medium because severally times it has helped me resolve issues with banks faster)....And I got called from their contact center, I stated in details my complaint and they asked me to do a mail to them also stating for sure that the seller refunded in full.

I got across to the seller and had a confirmation message showing full refund which I forwarded to their mailbox.


Imagine the response from them ;

They charged me with exchange rate #225.5 but did the refund with exchange rate #199.

Day light robbery, Corporate robbery. The best robbers are the ones in suit (no offence to anyone in any profession)
It's what tumababa was talking about. I never had this issue with Ecobank. Not once. I guess some banks do it and some don't. But are you saying that this was their reply? Because dats a terrible reply.
"They charged me with exchange rate #225.5 but did the refund with exchange rate #199."

UPDATE: Just saw the third photo. I'll be gutted if i was the one. This definitely means refunds should be avoided at all possible cost.

tumababa:
hope you know that for cancelling the order after you have already been charged, you should expect a loss of like 8k when you get a refund. cancelling an order immediately you have been charged is not a good idea for a naira account

Stanley08:
It's not my first time. It's a lie, according to my experience. As long as they haven't shipped it out yet, the money hasn't been debited from ur account, it's just pending. Happened to me before. The refund took 17 days to return and when it came, the money was even more as Naira had lost value in that time. Regardless, I'll give u a feedback when it comes.

tumababa:
sorry for the lie. let us know when you get your refund and how much you gained.

I got the refund today, it's more like a reversal tho because Asos never actually takes the money until they ship out the items. And from the alerts in the pictures below, you can see that i didn't lose even 1 kobo, not 1! I don't know how GT Bank operates, but Ecobank doesn't swallow money like that, tho their rates are crazy high. Cheers!

DEBIT
https://i62.tinypic.com/2gvvqjn.jpg

CREDIT
https://i59.tinypic.com/9swkrb.jpg

If you are planning to buy something today using Ecobank, you better not. Ecobank dollar rate today is 235.7! Lol.

The most expensive rates currently (Reported date)
Ecobank = 235.7 (25th March)
Fidelity Bank = 224 (20th March)
UBA = 224 (18th March)
Access Bank = 214.9 (24th March)
FCMB = 210.1 (22nd March)

For more info on the latest and cheapest rates across banks in Nigeria, come here
www.nairaland.com/2172391/monitoring-dollar-rate-ourselves-closely

Cheers!

Let me just give everybody a piece of advice, if you like urself and more importantly, ur money... STAY AWAY from Ecobank.

I added my mastercard to Google play store today and i was charged $1. Card authorization. It's called a pending, it will be refunded. However. i was charged 235.7 per dollar. Yes. 235.7! Ecobank MasterCard.

Ecobank always sends their own commission (2.5%) in a separate alert. See the two alerts below.

NGN229.95 debited from a/c no ****961 for trans. at GOOGLE *MARKETPLACE GOOGLE.CO POS on 25-Mar-15. Your Available Bal. is NGN XXXXX

NGN5.75 debited from a/c no ****961 for trans. at GOOGLE *MARKETPLACE GOOGLE.CO POS on 25-Mar-15. Your Available Bal. is NGN XXXXX

229.95 + 5.75 = 235.7

Stay away from Ecobank! Lol.

ibnquasale:
Stanbic is King!!!

charged 199.9 this morning

Updated in first post. Time to get a StanbicIBTC account.

xhamel89:
I doubt if you use any of these LTE, they are not there yet but you too berate them.

I tried downloading with Spectranet, 200KB/s. Last time i tried swift, 450KB/s. And both were limited plans.

The MTN cheat i am using downloads at 1MB/s and it's unlimited. Do you see my concern now? Look at the picture below, a chat between me and my Indian IT friend from 2 days back i think.

Jacobx007:
Gtb 210 confirmed today! bought an item of $31 and was charged #6509.93

Added to first post as 209.9

MrsNaira:
Oh, okay. That's what I thought.

Which airport sef? Nigeria or US?

Ahmed4002:
simply your items didn't make shipments.
It would be en-flight next shipment.
simple than all this story.

Thanks for the orijin. sorry I don't drink alcohol.

Funny how i don't regard orijin as alcohol. Oh! My exploits.

wtech:
tnx man , dats a nice advice

u welcome bruv. Since them decide to upgrade technique. Make we sef upgrade too.. Btw, start looking towards Diamond, Zenith and StanbicIBTC. Good rates. Check my thread. Mentioned u a couple of times there... Cheers.

ibnquasale:
Well gtbank charged me 210 today. Stanbic here I come

Someone said 204.9 i think. Can anyone else confirm 210 for GT Bank today?
how much was in the alert? And the dollar value too...

osarodon:
Please how long did it take to get the Visa card from application to delivery.

Here is a post i made today in another thread

Diamond bank gives only VISA Card, No mastercard. I actually did the same. My account was dormant for about 3 or 4 years. Activated it in 24hrs. The next day it was ready. Went in, requested for Mobile banking, internet banking and Debit VISA card. The next day both mobile banking was ready, the second day internet banking was ready and on the third day my VISA Card was ready. Just 3 working days. Requested on Monday, got it on Thursday. They even texted me that it was ready. I got there, collected my Debit card, and even enrolled into the BVN stuff. By Monday dat was set. It's only Tuesday and i have used the card at least 5 times online. Bottomline, activate ur Diamond Bank.

GTB today = 204.98 reported by wtech in Chinos thread.

Added to first post.

tumababa:
well, i have programmed my mind to expect chinos to ship every 2 weeks now, and expect monday shipment in another 2 weeks. till i get a better alternative, i stay. right now, chinos shipment is good for personal items but very bad for business.

imagine your item getting to his office on the monday he shipped. you have to wait 2 weeks before he ships and still wait another 1 week or 2 before you receive.

i hope person no go don land for jail before customer's goods arrive because no custom strike to use as excuse.

Well said, good for personal items. But business lol.

wtech:
My GTb 204.98 today , better than dat fidelity dat took 225 from me nd leta took 6k plus from my acct.

It's not always ideal, but try as much as possible to have only just about the amount u want to spend in the account. If they don't see the 6K how can they collect it? Worst comes to worst, transaction will fail. All ur money would be returned. Now i keep my money in my Ecobank and send via quickteller the amount i want to spend online to the other bank with like 1K extra. That's it.

Access Bank Rate this morning. 214.94

Reported by azpekuliar in Chinos thread.

Added to first post.

completey:
Diamond bank has been stable @ #204.7 for 3 consecutive weeks

Actually, as at last week it was a bit lower. 204.08. But yes. It's so stable. Made a transaction on Aliexpress today. Exactly 204.7 as you said. VERY IMPRESSED. Last time i tried, Ecobank was doing 217.5. They also charged me 360 naira per pound. I'm done with them.
There is a thread where we monitor these rates closely check the first post on this page, u'll find the link or just go to Technology Market.

9free:
Master or VISA Card? I think I have reactivate my Dormant account with this bank

Diamond bank gives only VISA Card, No mastercard. I actually did the same. My account was dormant for about 3 or 4 years. Activated it in 24hrs. The next day it was ready. Went in, requested for Mobile banking, internet banking and Debit VISA card. The next day both mobile banking was ready, the second day internet banking was ready and on the third day my VISA Card was ready. Just 3 working days. Requested on Monday, got it on Thursday. They even texted me that it was ready. I got there, collected my Debit card, and even enrolled into the BVN stuff. By Monday dat was set. It's only Tuesday and i have used the card at least 5 times online. Bottomline, activate ur Diamond Bank.

MrsNaira:
@Ahmed4002 and Stanley08, I called the Lagos number and was told that there were some issues with my items at the airport and it will make the next shipment. I appreciate Chinos efforts and meticulous dealings but it would go a long way if mails or texts were sent to notify a customer of any particular issue. Thanks guys for help. 2 chilled Orijin for una!B-)B-)

Lol. One thing I hate more than anything is poor communication. Even if there is something wrong. Let me know, Keep me informed. Simple. I haven't shipped with Chinos before but as great as his rates are, i doubt I'm going to ship with him. The waiting and silence will make me lose my mind. Hopefully u get all ur stuffs soon and more importantly, ur money from ur customers
And yh, I don't like Orijin. :p

DIAMOND BANK $ value update. Their dollar rate has increased but ever so slightly. From 204.08 to 204.74. Difference of 0.7

Made a purchase on Aliexpress today for $45 got the alert below.

Debit Alert!
Acc#: ******4951
Amt:9,213.47
Desc: WWW.ALIEXPRESS.COM
Time:24/03/15 8:41 AM
Avail Bal: XXXXX

9213.47 / 45 = 204.74

frebor:
You think it's higher? Chinos charges $50 flat rate for a laptop, I pay $35. He charges $30 for a tablet, I pay $15. I understand that he has to add a commision as profit.

I buy lots of stuffs- laptops and accessories, phones, tablets, shoes, wrist watches etc

Lol. Ur own sounds decent too. Nobody is doubting that. If you may, Give us the contact.

MrsNaira:
Chinosxl, I remember when I came on this thread singing your praises and commending you which was late last year. I'm really trying my best to be civil with this whole thing. I have been asking you for over 2 weeks to mail me my invoice for March 16 shipment but you just ignored me. I need to pick up my items. My customers are beginning to indirectly insult me and I'm getting very impatient.
You don't reply mails or texts, just silence which is not very polite.
Please for the umpteenth time, please mail me my invoice for March 16 shipment.
Name is E***h A****e
I mail with my nairaland ID as mail subject
Thank you.

This is the main problem with Chinos, communication. I think i remember chinos saying people should call his manager to get their invoices quicker or something like that. Maybe try this number 08035439982.

frebor:
$5/lb (real weight, not dimensional weight) no hidden charges, no flat rates, nor special items.

Dats kinda high. but how's the communication? And can u please give me examples of how much you've paid for what?

Time2Smile:
Very good and useful thread

March 22
FCMB
210.10/$
MASTER CARD

Thanks mate and thanks for adding a new bank to the list too. Please update us as soon as you do any transactions.