What to do if your transaction is successful but it was unsuccessful

Sometimes, after sending the money to others, you may have been notified that the transaction is successful but it was originally unsuccessful.

What to do if your transaction is successful but the beneficiary has not received the money in his/her bank account? Please continue reading as we will discuss them below!!

There are many factors that cause transaction failure/dispense error and some of them are:

Network error
Insufficient account balance
Wrong beneficiary’s account number, etc.

If you have attempted a card transaction on a POS machine or ATM terminal and your account has been debited but you have not received value for the transaction, then that is a dispense error.

Read this also: how to use POS machine to withdraw and transfer money.

Table of Contents

What to do if your transaction is successful but was originally unsuccessful

To resolve any dispense error issue and get back your money, please kindly follow the instructions below or fill out the form below and submit it to effect a reversal of your funds.

Dispense error can cause:

Your account to get debited for a transaction and value is not received
Your transaction fails at the point of making payments via POS/Web but your account is debited for the same value.
Cash not to be dispensed from the ATM but the exact amount has been debited from your account.

How to resolve an issue of dispense error

What should you do if your transaction is successful at your side but it is unsuccessful at the other side, for example, the person you sent the money has not received it in his or her account?

However, in banking system, if your transaction is hanged, simply rest assured because before some next moments, your bank will honestly refund it to you.

Please read the table below for more information!!

Transaction	Dispense Error Channel	Resolution Period (Days)
Local Transactions	GTBank’s ATM	24 hours
	POS/Merchant Website	3 working days
	Other Bank’s ATMs/POS/Merchant Website	2 – 3 working days
Foreign Transactions	International Terminals	45

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If you have attempted a card transaction on any of any e-channel below (POS, ATM, QUICKTELLER, etc) and your account has been debited but the person you sent the money to (your beneficiary) has not received value for the transaction, kindly search for and lodge the transaction as described below to effect a reversal of your fund.

Now, to log a complaint of FCMB, GT Bank, First Bank, etc dispense error on POS or ATM, fill the form in the format below and submit it to any nearest branch of your bank.

BRANCH ____________________
ACCOUNT NAME:__________________________________
First Name Middle Name Last Name:___________________________
ACCOUNT NUMBER(S):___________________________
CARD NUMBER: _ _ _ _ X X X X X X X X _ _ _ _
EXPIRY DATE: _
GSM NO: _____
DATE/TIME OF TRANSACTION: ____
CARD TYPE (TICK AS APPROPRIATE) EAZYCARD or VPAY or OTHERS _______________
TRANSACTION TYPE (TICK AS APPROPRIATE) ATM or POS or WEB or MOBILE
TRANSACTION AMOUNT:___________________________
Amount Requested Amount Dispensed Terminal Location
1. _____________ 1. __________ 1. __________
2. _____________ 2. __________ 2. __________
3. _____________ 3. __________ 3. _________
4. _____________ 4. ___________ 4. _________
Please state any additional comment below:___________________________
SIGNATURE _________
DATE: ____________________

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1. Dispense error code for GTBank

Did dispense error occur while trying to make a transaction on POS machine, ATM outlet or on online with your Guaranteed Trust Bank (GTB) account? How can you log a complaint of dispense error to GTBank?

To make a request of reversal of your fund to GTBank, first visit their dispense lodger and check the status of your transaction yourself.

Customer NUBAN :	*____________________*
Last 6 Digits of Card :	*____________________*
Enter Start Date:	*____________________*
Enter End Date:	*____________________*

After entering the information above, now click View Transactions which is located at the bottom of the form, but please make sure to click here first.

See this also: list of all GT bank branches and their sort code in Nigeria.

2. Dispense error code for Zenith bank

To complain to Zenith about dispense error issue that occurred to you, please read below.

If your account has been debited but you have not received value for the transaction, kindly lodge the complain to request a reversal of your fund or simply click here to download and fill this PDF file then submit it to any nearest branch of Zenith.

Alternatively, you can click here to directly visit Zenith bank’s dispense error request page for quick resolution of your issue.

If the website load successfully, enter the date when the dispense error occurred
Enter last digits of your Zenith bank ATM card
Write the amount the transaction was in the appropriate column
Now, select from the drop down, the channel you used, for example, ATM terminal, POS machine, etc
Finally click Search tab to check the status of your transaction

3. How should you report dispense error to First Bank

Some of the fastest ways to report dispense error to First Bank are by:

Completing a complaints form on their website
Calling FirstContact on
- 0700FIRSTCONTACT
- 0700-34778-2668228
- 01-4485500
- 0708-062-5000
Sending a mail to [email protected]

In any time you are contacting the customer service staff at First bank in the branch, please note that you will be required to fill a Complaint Form. Details of the complaint will then be logged on the FirstCustomer CRM system.

The person receiving or managing your complaint should provide you with any assistance you may need to make your complaint. However, if you consider you need further assistance please contact: [email protected].

See this also:

4. FCMB dispense error form

The management of FCMB has advised all its customers with complaints to lodge them with the Complaints Officer at [email protected] for necessary action.

In addition to that, four fastest ways to contact FCMB customer care service for complaint about your dispense error issue are listed below:

Corporate Address: Primrose Tower, 17A, Tinubu Street, Marina, Lagos.
Telephone: 07003290000, , 01-2798800.
Email: [email protected].
Whatsapp: (+234) 09099999814 or (+234) 09099999815.

For getting FCMB dispense error form, click here, select from the list of multi forms by scrolling your device pointer, download dispense error form, fill it, scan it with your phone or scanner and finally upload it back to FCMB customer care staff by visiting any of their nearest branch or via their email address.

5. How to get Access bank dispense error form

Please click here to download Access bank dispense error form
Print it out
Fill it with the correct detail as required
Scan the filled one and
Submit it to any nearest FCMB’s branch or sending it via an email: [email protected].

Read this also: how to fund your Bet9ja account using POS machine, ATM terminal, etc.

6. UBA email address for complaint of dispense error

If the transaction you made using your UBA was successful but was originally unsuccessful, then that is a dispense error, i.e, the beneficiary of your transaction has not received the money in his or her account.

Now, to resolve this issue by letting UBA reverse your fund, you have to first download their chargeback request or dispense error form from their website.

Click here to download UBA dispense error form
Write the date you are filling the form at the top as requested in the form
Enter your First name, Middle name and last name
Enter your account number
Write your phone number and email address
Enter the amount you transacted and the date
Enter the location where you initiated the transaction
Remember to put down your signature at the bottom of the form in the requested column and finally submit it.

Alternatively, for complaints about the dispense error issue, kindly call UBA Customer Service on (+234) 07002255-822, (+234) 01-6319822 or email: [email protected] for prompt assistance.

Read this also: Zenith bank official USSD code and their uses for every thing in Nigeria.

7. How to complain to Ecobank about dispense error issue

To have Ecobank dispense error form, please click here to visit their website
Scroll across their website to find dispense error form and download immediately when found
Print it, fill it and then submit it to Ecobank.

Ecobank is commited to providing you with an informative and secure banking experience.

Hence, here you can find guidance on how to get the most from their products and services, and what you can do to protect yourself when using them.

First of all, to contact Ecobank about the issue of dispense error, click here to visit their website, select your country from the drop down, enter your first name, last name, email address, message(s) and click Submit tab.

8. How to contact Union bank about the issue of dispense error

You can make a complaint or contact Union bank through any of their contact channels: WhatsApp, email, phone, social media or simply visit any of their nearest branches.

To contact Union bank for the resolution of dispense error issue, you can do so using any of the channels below:

WhatsApp: 09070070001
UnionCare: +234-1-2716816 and 07007007000
Whistle Blower Hotlines: 0800TIPOFFS (0800 847 6337)
Email: [email protected].

Alternatively, you can click here to visit their website for submitting your complaint online or communicate their customer care via live chat channel when visiting their website.

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9. How to resolve Sterling bank dispense error

Dispense Error is a failed transaction that seem successful to the account holder and unsuccessful to the creditors account.

Sterling bank dispense error is when your account is debited for a transaction which did not give you the intended value.

This can happen when:

(1.) The ATM does not give you cash but your account is debited for the same amount.
(2.) The POS/Web declines your transaction, but your account is debited for the same value.

How long does it take Sterling bank to reverse a dispense error money

Transaction	Local Transactions	Foreign Transactions
Channel	Sterling Bank’s ATM/POS/Merchant Website	Other Banks’ ATM/POS/Merchant Website	ATM/POS/Merchant Website
Reversal period	2 Days	5 – 8 Days	45 Days

For more information, please contact Sterling bank Customer Centre on 07008220000 (070078375464), 014484481-5 or send an email to [email protected].

Please note that at Sterling bank, their customer care staffs always love to hear from you and provide the required solution that will satisfy you.

For how to log a Sterling bank dispense error complain which was arose when transacting on either ATM, USSD, Onepay, POS/WEB, please visit their website by clicking here, fill the form correctly and finally click send.

See this also: list of all commercial banks in Nigeria and their current CEO.

10. How to contact Fidelity bank customer care about dispense error issue

You can contact Fidelity bank customer care for issue resolution of dispense error via any of the channels:

Tel: 070034335489
Whatsapp: +2349030005252
Email: [email protected]

Whatever your inquiry is about, Fidelity bank will find you the specific person to converse with.

The Interactive Contact Centre allows their customers have the opportunity to speak to any of their agents, any day and any time.

Whether you’re calling to make enquiries, to lodge a complaint, or simply to make a suggestion to them, you can reach us via the following channels below.

General Enquiry	0700 343 35489
Email	true.serve@fidelitybank.
Head office	2, Kofo Abayomi Street, Victoria Island, Lagos, Nigeria
WhatsApp	0903 000 5252
Call from abroad	0908 798 9069

To contact Fidelity bank customer care, please click here and follow the prompts. Thank you for reading!!

Conclusion

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