Topic: Whenn last did you visit the bank? - page 3. (Read 651 times)

No be small thing o, me e don tay wey i visit bank o. I visit bank every 4 years to renew my ATM card as all my transactions are being done online.

Thanks to modern way of banking too like the microfinance banks. At least with the establishment of these online banks it has made it easy for us to perform series of transactions without going to the bank to stand in queues.

And moreover their are transactions that requires urgency like maybe when a loved one is being hospitalized. And you know anything concerning a persons health requires urgent treatment and attention so imagine a situation where you need to go to the bank to withdraw or transfer money before the patient will be attended to. So you can see how these online banking have aided us so much because you can actually perform transactions immediately with a phone theirby making monetary transactions easier and more convenient for us.

Furthermore, online banking has also reduced criminal activities because sometimes going to the bank always is very risky because some criminals will start monitoring your movement whenever you go to the bank and again since alot of persons now focus on online banking, criminals have find it difficult to rob people because most people doesn't go about with money in their pocket again. Imagine during the naira redesign, if not for mobile and internet banking the masses would have experienced more severe suffering but they didn't experience much heat because people where performing transactions via their phones and other online medium of transactions. So for me there's absolutely no need going to the bank anymore.

Asides how POS dun make things easier in terms of withdrawal, Bank dun show many of us shege wey make us dey fear bank problem. The last wey I reach bank, it was a very bad experience because it was during that time of Shortage of New naira notes. Omooo crowd for bank nor be here ooooo! I go dress for my house for morning  by like 6 o'clock, before I go reach bank by 7, dem go give me number 243...My head burst! Wetin vex me pass na say the problem wey carry me come the bank na very minor thing wey i normally suppose fit do for house, but e nor dey work that period.

Na that day, after I pass through all the suffer for Gtbank, I transfer the small money I get for there go Opay wey I open. Na wetin i dey use since then, no wahala!

I visit my bank recently to collect new ATM card, but before den e don reach like five months wey i visit bank last to make one complaint. I agree with you totally say very soon di king of all currency way be bitcoin, go Sidon gidigba for im position as di globally recognized decentralized digital currency way di centralized fiat currencies for di whole world go bow to. I know say online banking and pos wey de gain ground for transaction matters de gradually pave way for bitcoin adoption inside Nigeria, and di entire world at large.

In di 90s who fit believe say one day you go Sidon inside your house, without visiting bank, come de do cash transfer, na so e go be for bitcoin, in di nearest future, wey everybody go adopt am take de do transactions.  

It has been long I visited bank in my community because, am use to POS to withdraw any amount of money with small charges that will not make me feel bad compare the transport and time I will worst in the bank before getting the cash. And some shops in my community made things very easy for common man in the society by accepting transfer in any kind of goods you want to buy apart from local food like garri, yam which are my favorite food and you have to give them in Cash before they can release the items for you. The way I used to save money some years ago in the bank when I never discovered BTC has reduced because, I passed through hell in the hands of bankers in my community because you have to settle in the bank before you can withdraw some amount of money from the bank, and since I developed ideas on how to invest in BTC, it has helped me to save some huge amount of money in my wallet that will help me to get what I want in life when the price hit higher in the future.

As the local physical banks go dey do away with their staff, na so all this digital mobile banks go dey employed and if all this banks works smart na to go secure slot for those microfinance banks dem. This na wetin we dey talk say trends dey change and we suppose dey move with the trend or dem go leave you behind. For workers wey dey handle costumer cares na for dem to go learn any digital skills wey relate to banking so dem go get better advantage or e go wey dem when dem go sack dem. I believe wetin bring about this cashless policy more na dat mumu thing wey dem been do for December time wey dem make everybody upgrade to using cashless policy. I also noticed I no too dey get bank wahala again and na why I never go bank because if I remember correctly na only dat wahala dey carry me go bank.


Everybody dey in a hurry as na so the country be and e go be waste of time to go stand for quene for ATM wey dey bank when you no even know if the bank g get cash to dispense so all your standing no go be waste. The POS vendors dun help mata well well for the country. All my withdrawal for the pass 2 years na pos, I no remember the last time wey I join quene say I wan withdraw from banks. Even dat season wey cash was scarce, na still pos wey I been dey use but the fees was crazy and I just they hope we no go experience dat kind thing again.

I can even remember when last I want to the bank  because POS now took a place, I think lost my ATM since last year ago and I don't even bother to go bank Base on their Wahala. Now self I prefer wallet than bank because they're transactions is very fast like speed of light and dey no too get issues of network, dt's why most people now prefer to use opay, palm pay, kuda, etc

Banks like GTbank wey I dey sure of no even require you to enta inside d bank before you go fit  get your ATM cards. Dey get one machine wey dey like the Automated Teller Machine (ATM) wey go fit do dat for you easily  in less than 5 minutes and you go get your ATM card without you  to dey  follow queue inside the bank for it.


Banks no go do away with their staffs now bcos dey still get some kind tins wey be say you no fit rectify am online, you gatz to enta bank to do am. Especially if you get issue with your account and you wan rectify am, if you wan do biometric and face capturing for BVN too, you gatz enta bank go do all dose tins. So many tins still dey sha to make person dey enta bank but if e no reach you, you no go know say na like dat e be.

I can really remember the last time I went to bank to do anything. since the COVID Era till now, I have not visited any bank. I do any transactions from pos around me and I'm okay with it. when you consider the time factors considering what we do here , you will know that going to back to queue is wast of time since you will use 100 to 300 to do what ever you want to do in bank around you since COVID till now I use my ATM to buy what  I wish to buy . and I'm very okay with it.

You see na, na the thing wey make dem say another man food na another man poison and na true talk be this wey I see for your post. True true bankers na self go dey reason na because this change fit make banks begin reduce workers and even make staff turn contract work when customers no dey con line for bank again.

POS and microfinance banks don really change the paradigm for the financial sector plus mobile transactions from mainstream bank. Omo na effect for this good and easy bank transfer go be this oo on top bankers. Like me too, if no be to go collect new ATM card, e don tay wey I enter bank oo, highest na ATM if I need to.

I no fit reason d last time wey I even enter bank self, but I never even enter bank dis year, na last year I enter bank last, even currently my bank ATM card don spoil, and I dey very lazy to enter bank go collect another one, na my OPay I dey use since I get there ATM card. Banks wahala too much, since POS don dey everywhere, if no be say person get serious think to do, if na just deposit and withdrawal, i go rather use POS than wasting time going to bank.

ATM stand and bank no even dey close to my side, if I wan calculate the amount wey I go spend to d nearest bank na around  300box, instead of wasting that on transport and d stress wey person go face for bank, e go better make I just enter POS  shop make I just withdraw or deposit my money easily.

I can't remember the last time I went to Bank, gone are those days when we go to the bank and you will be ask to join the queue and before it gets to your turn your already exhausted and even a small issue that needs to be treated immediately will take them some working days to rectify but with the help of online banking the stress of going to the bank was limited were as all the transactions are done via transfer or through pos machine, so I don't think there would be need for me to use the bank again on less is something serious but thinking about it Banks are facing a big challenge considering the rate at which people are leaving there Banks for online bank as such leaving them with a very few customers.

The last time way I visit Fiat bank the crowd way they there I see am run, first of all, when I go reach the gate people full and them give me number and for that number way them give me, me I be number 203, bro I look the number and I no fit open mouth talk and I wait wait until even bank close I go back house and I no do watin carry me go bank.
The next day I still go bank but I go early that day and I be number 35, bro I ask the guy way they give the number say, abi people they sleep outside this gate? and the guy laugh but thank God that they I finally enter the bank but I no reach do way thing I been won do because of say no service, guy I was so mad that day and I think that day way the craziest day of my life and that was the period of CASHLESS POLICY when everything was hard, just imagine after all those stress but still no positive results.
Anyway, I thank God say that period of time we still survive am, as POS plenty for the country e make things easy well well, no more say we go just they go turn turn for bank.

I no dey even reason bank mata at all because where I dey live and where bank dey far, and the transport to and fro go reach you collect 50k for ATM and also pay for your charges. I no think say i dey spend reach 20l physical cash weekly, because i dey prefer to do transfer and buy things from people wey dey collect transfer. One Aboki wey dey sell big store for my area dey collect transfer if you buy something of 50 Naria self. I no even send their ATM card because they wahala wey you go pass through to collect am self ma die. The last time wey I go bank na July, and the reason be say I nedd huge sum in cash because where I bin go na only cash them dey collect there. Una know village settings now, wey POS fee na dead. I no dey use atm na all this online app them like Opay, I dey use and them sharp die.

POS and Mobile Banking Apps make things easy for us. I visited bank last since na the month of May. Physical banking system is gradually giving way to online backing system. Though it will take time before it will fade away. And when it will finally give way, bitcoin will become the King of all the currencies in the world. One thing that normally make me not to go to the bank again is the hike of the Tfare. Where I was paying #100 is now #300 and where I was paying #200 now is #500 so going out and coming back home, I spend more than 2k, that is why I don't like to go out unless I am going out for an important things. And another thing that made me to stop going to bank is the quantity of cash they gave out, when I would pay that big amount of money as TP only for them to gave me 20k, omen that thing pains me to the bones. I just thank the online banking system.

No be today, e don te wey me no dey visit bank, I no even like am, dat queue fit annoying person no be small. If you see me 4 bank lyk dis, just know say na issue I come complain, or say I con collect my ATM. My case be say e don te wey I don dey do online transactions, so I don dey used to d convenience wey dey d internet transfer dey give off bank hall. I dey receive my moni online, dey send am online and dey use ATM steady. Even POS self no be my tin as I dey always plan my week 4 cash and I dey live 4 bank area too.

If I dey correct, I don do pass 3 years wey I no step banking hall.

It's amazing how fast change comes and how easily we forget the things we were used to.

Since POS and mobile banking took over the space most of us can't even recall the last time we made any physical transaction at the bank. For me, the last time I entered a bad was about two months ago and that's only because I needed a new ATM card otherwise, I do all my transactions on my phone.

The queue at the ATM stand is gradually reducing because, when you consider the time and stress people go through on the queue and you know that the pos guy will only charge you 100box to get 5k, you go just jejely waka go POS point, withdraw your money and getat to your house.

Microfinance banks like pay, palmpay, and Monie Point have even proven very reliable and customers have gradually shifted their attention and funds to them.

People now prefer to make cashless transaction and it won't be a thing of a surprise if banks start doing away with some of their staff due to massive reduction in the number of customers as well as reduction in transactions made at banks.