Four things we hate about Nigerian banks


So you have been working all day, and just out of intuition, you check the time and you realize it’s just about 20 minutes before your bank’s official closing hours. Ideally, it should not take more than 10 -15mins to finish your transactions, but because of financial and sometimes self-inflicted bottlenecks, you can’t make it. Well, asides from this here are a list of those things, most people don’t like about the Nigerian banking system.


* Bank charges

Can you remember the first day you got a message about ATM maintenance fee? I bet you had the same reaction as mine. The only question I had on my mind that day was “Are they oiling my card or cleaning it for me in my dreams?” like seriously? Why should we pay for ATM maintenance?

As if the above ATM fund stealing is not enough, the new CBN rule of 65 naira deduction is another very annoying thing we customers wish they could scrap. It’s not every time your bank ATM centers work, neither is it everyone that has their bank in close proximity to their house or place of work.

I think the worst of all in all these charges is the fraudulent SMS charges. Yes fraudulent because they even charge dormant accounts money for giving bank statement that haven’t changed in months. As such they clear out your account without you knowing. Also with all the money they are making why are they charging us for sending alerts, as far as we customers are concerned the SMS alerts should be free. It’s the least they can do for us.

* Long queues

I asked a friend last week “What do you hate most about banks?” She said “They have more customers than their capital and manpower; they can’t cater for the large crowd they desperately seek for.” Which is very true, there’s no month that goes by that doesn’t bring a bank marketer my way trying to convince me to open an account with them. I have so many banks accounts that I’m not using. The only thing connecting me to them is the monthly emails they send to me.

This trend would have been forgivable of banks if they could accommodate us all, but unfortunately reverse is the case. Every time we visit banks, we always meet extremely long queues. I always laugh at my brothers expression each time he is sent to go pay money into the bank. You would think his whole world has come crashing down.

* Non functioning ATMS/ Bad ATM Service

The automated teller machine at its inception was considered revolutionary in the country. It was supposed to be a life saver, well from the above ordeal of course.

Unfortunately our ATMs haven’t lived up to expectation. I have visited several bank ATM centers with numerous ATM machines, that have only one machine functioning. Why have so many machines when you can only maintain one. As such the queues that the ATMs were supposed to alleviate are created at these centers. As if this is not enough, after queuing for so long, you get to the machine and “boom” it reads “temporarily unable to dispense cash”.

This has to be the worst feeling ever. And sometimes that ruins everything the more it debits your accounts and it takes you weeks and sometimes months to get refunded. I guess this is the worst

* Poor Customer Service

I think with all these issues, banks would have been more accommodating if they had nice and approachable staff rather than the usual “bored, grubby and frustrated” ones we see. You queue for so long only to meet a frowning cashier. You have an issue with your ATM card only to meet disinterested staffs who give you the “Can you not disturb my life” face.

I’m sure am not the only one that hates these. I pray banks improve on these.

(THE NATION)

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