Quick answer
Check the narration, date, amount, account type, and service used. CBN publishes a guide to charges for banks and other financial institutions. If a charge is unclear or disputed, complain to your bank first.
Common charge questions
- Card maintenance or card issuance fees.
- SMS alert charges.
- Transfer charges.
- Account maintenance or service charges.
- Loan-related fees.
- Foreign transaction charges.
How to dispute a charge
Ask your bank for the basis of the charge and provide screenshots/statements. If unresolved, use the CBN complaint process with your complaint ticket and supporting documents.
Related: CBN complaint guide, Chargeback Nigeria, Failed bank transfer.