Expert tips on personal finance, budgeting, investing, loans, and building wealth
Pregnancy is a wonderful time, but it also comes with many medical needs—antenatal checks, tests, delivery, postnatal care. Health insurance or maternity insurance helps cover these so families don’t pay too much. If you are expecting or planning for a baby, this guide will help you understand all about health insurance for pregnant women in … Read more
Healthcare is important for every Nigerian family. But hospital bills can be expensive. That’s why many people look for affordable health insurance. One common option is the NHIS — the National Health Insurance Scheme in Nigeria. But the big question is:Is NHIS in Nigeria worth it for families? What Is NHIS in Nigeria? The National … Read more
Health is valuable. But medical bills can be high. Private health insurance helps reduce those bills. In Nigeria, many companies (HMOs and insurers) offer private health insurance. But which ones are best? What should students or working people know before choosing? This article explains everything clearly. What is Private Health Insurance? Private Health Insurance means … Read more
When you’re a student or working class, you worry about money, but you also worry about getting sick. Health insurance helps you pay for hospitals, doctors, medicines so you don’t pay all by yourself. But many health insurance plans cost too much. In 2025, some really good plans are cheaper. What Is Health Insurance / … Read more
If you use Payoneer to receive money from international clients, freelancing, ad platforms, etc., one of your key tasks is to withdraw your Payoneer funds into your Nigerian bank account. Sometimes this can be confusing: which bank, how long, what fees, which type of account, what details to give. This guide will show you everything … Read more
Understanding Transfer Charges in Nigerian Banks When it comes to moving money in Nigeria, knowing which bank charges the least for transfers can save you a lot of money. Transfer charges, also called transaction fees, are small amounts you pay whenever you send money from one bank account to another. These fees may differ depending … Read more
As a POS (Point‑of‑Sale) agent in Nigeria, sometimes customers dispute transactions. They contact their bank and raise chargebacks. A chargeback means the customer says the transaction was not valid (fraud, wrong amount, no goods or service delivered, etc.), and asks the bank to reverse the charge. As an agent, this can hurt you financially if … Read more
Have you ever tried to pay at a shop with a card or POS (Point of Sale) machine and saw “Transaction Declined” appear? It’s frustrating, especially when you have money in your account or everything seems fine. Many people across Nigeria face this problem often. Understanding why POS machines show “Transaction Declined” can help you … Read more
f you want to make money by helping people pay bills, withdraw cash, recharge data, and more, becoming a POS (Point of Sale) agent is a good business idea in Nigeria. OPay, Moniepoint, and PalmPay are among the popular fintechs offering such POS agent opportunities. This guide will show you exactly how to become a … Read more
If you are thinking of becoming a POS agent, or already run a business and want to accept card payments, knowing which POS (Point‑of‑Sale) company charges the least is very important. Lower POS charges mean you keep more profit. In 2025, many POS companies in Nigeria compete on how low their fees are. But “lowest” … Read more
f you run a business in Nigeria (small shop, market stall, boutique, etc.), having a POS (Point of Sale) machine can help you accept card payments, grow sales, reduce risks from handling cash, and build trust with customers. This guide explains how to apply for a POS machine from Zenith Bank, Access Bank, and GTBank. … Read more
If you use bank apps, payment apps, or online sites in Nigeria, you’ve probably used OTP codes—those One‑Time Passwords sent by SMS, email or via call. But sometimes, you wait minutes—and nothing comes. That can be frustrating, especially when you need to complete an urgent transaction. What Is an OTP Code and Why Is It … Read more
Using a bank app is very useful. You can transfer money, check balance, pay bills— all from your phone. But with that power comes risk. Hackers and fraudsters want to steal your money or your private data. This guide will show you how to secure your bank app so hackers cannot get in. It is … Read more
Sometimes you go to use your mobile banking and you realise: I don’t remember my PIN. It happens. But don’t worry. Most banks in Nigeria let you reset a forgotten mobile banking PIN safely, using phone (USSD), app, or with help. This guide teaches you how to reset your mobile banking PIN when you forget … Read more
Bank fraud is real, and it affects many people in Nigeria. Whether you are a student saving money, a worker getting paid monthly, or just someone who uses bank apps, you need to know how to spot fraud early. If you catch fraud signs early, you can protect your money and peace of mind. What … Read more
Losing your ATM card or having it stolen can be scary. But you don’t always need to visit a bank branch to block it. In Nigeria, many banks provide USSD codes that let you block your ATM / debit card quickly using your phone. This article shows you everything: what it means to block a … Read more
If you have a bank account in Nigeria, often the bank will require that your account is linked to your BVN (Bank Verification Number). If it is not, you may face difficulties: limited services, inability to withdraw, send money, or use some fintech services. This guide shows you what BVN is, why linking matters, many … Read more
If you use a bank in Nigeria, you must know BVN (Bank Verification Number). It is a unique identity number that helps banks verify who you are. But many people face issues: “BVN verification failed”, “cannot link BVN”, etc. This article explains why BVN verification fails and how to fix it. It uses simple English … Read more
Upgrading your bank account means moving from a basic or restricted account level to a more advanced level. You get higher transaction limits, more services, maybe better interest or perks. In Nigeria, many banks now allow you to do this without going to a physical branch — that is, remotely, using mobile apps, internet banking, … Read more
If you are a student or working in Nigeria, your bank account might become dormant if you don’t use it for a long time. When that happens, you can’t withdraw money or do some transactions until you reactivate the account. What Does “Dormant Bank Account” Mean in Nigeria? A dormant account is a type of … Read more
Understanding ATM Withdrawal Delays in Nigerian Banks Have you ever tried to withdraw money from an ATM in Nigeria and faced delays or the transaction took too long to reflect? You are not alone. ATM withdrawal delays are a common issue experienced by many Nigerians. This problem causes frustration, especially when you urgently need cash … Read more
In 2025, Kuda Bank has become a prominent digital banking platform in Nigeria, offering a range of services aimed at simplifying financial transactions for Nigerians. As with any financial institution, potential users often have concerns about the safety and security of their funds. This comprehensive review delves into the safety measures Kuda Bank has implemented, … Read more
Money transfers between bank accounts are part of daily life for many Nigerians—students paying school fees, workers sending money home, small business owners paying suppliers. But bank transfer fees can eat into your money. Knowing which banks charge least helps you keep more of your own cash. In this article, I will: Explain what transfer … Read more
Running a small business in Nigeria has many challenges. Picking the right bank is one of the most important decisions you will make. The right bank helps you save costs, manage money well, grow your business, and get support when needed. In this article, I will show you which banks are best for small business … Read more
In Nigeria, many people use mobile banking apps to send money, check balance, pay bills, etc. But not all apps are the same. In 2025, three big banks — GTBank, Zenith Bank, and Access Bank — are among the top when it comes to mobile banking. This article will compare their apps. You will see … Read more
Studying abroad is an exciting journey, but managing finances can be challenging. Nigerian students pursuing education overseas need reliable banking services that offer seamless international transactions, low fees, and user-friendly digital platforms. In 2025, several Nigerian banks have tailored their services to meet the unique needs of international students. This guide explores the best Nigerian … Read more
In Nigeria, banking via mobile phones is common, and SMS alerts are crucial for customers. These alerts help you know when money comes in or goes out of your account. But sometimes, Nigerian banks delay these SMS alerts, which can cause worry or confusion. This article explains why these delays happen and how you can … Read more
Understanding the Problem of Wrong Bank Transfers in Nigeria Imagine sending money to pay for school fees, rent, or a business transaction, only to realize you sent it to the wrong bank account. This can be a scary experience for many Nigerians, especially students and working-class citizens who rely on digital banking daily. Wrong bank … Read more
Losing your phone is scary—especially when your bank app, USSD code, and SMS alerts are on that same phone. If someone gets access to your phone, they could also try to steal your money. So, what should you do? This complete guide will teach you how to block your bank account instantly if your phone … Read more
Have you ever tried to withdraw money or pay for something with your bank account in Nigeria, and the money left your account—but the person or machine didn’t receive it? That’s called a debit without credit, and it’s very common in Nigeria. It can happen through: ATM withdrawals POS (Point of Sale) transactions Bank transfers … Read more