What to Do If Someone Debits Your Bank Account Without Permission

If money is removed from your Nigerian bank account without your permission, contact your bank immediately and report the transaction. Quick action can help the bank secure your account, investigate the debit and explain the available recovery process.

What to Do When Your Account Is Debited Without Permission

1. Contact your bank through an official customer service channel.
2. Report the debit as unauthorized and provide the transaction details.
3. Ask the bank to secure your account and affected banking channels.
4. If a card, phone or banking credential may be compromised, ask about blocking or changing it.
5. Keep your complaint reference number and all supporting evidence.

Details to Give Your Bank

Can the Money Be Recovered?

Recovery depends on the circumstances surrounding the debit and the outcome of the bank’s investigation. Report the transaction promptly and follow the bank’s dispute or recovery procedure. A bank may need to contact another financial institution if the funds were transferred elsewhere.

Secure Your Account

If you suspect that someone has obtained your card details, PIN, password, phone or other banking credentials, tell your bank. Change compromised credentials and block affected cards or services where necessary.

What If the Bank Does Not Resolve the Issue?

Keep your complaint reference, transaction records and communication with the bank. Ask the bank about its formal complaint escalation process if the matter remains unresolved. You may also need to use the appropriate regulatory or law-enforcement complaint channel depending on the circumstances.

How to Prevent Unauthorized Debits

Check your account regularly, enable transaction notifications and avoid sharing your PIN, password or one-time authentication codes. Use only official banking applications, websites and customer-service channels.