How to Check If a Bank Transfer Has Gone Through
After sending money from one Nigerian bank account to another, you can check the transaction status to confirm whether the transfer was successful. The exact process depends on the banking channel you used, but your transaction history, account balance and notification can usually help you verify the payment.
How to Check If a Bank Transfer Has Gone Through
- Open your bank’s official mobile app or internet banking platform.
- Go to your transaction history or account statement.
- Find the transfer using its date, amount or transaction reference.
- Check whether the transaction is marked as successful, completed, pending or failed.
- Compare the transaction details with the recipient’s account information.
Signs That a Bank Transfer Was Successful
| Sign | What It Means |
|---|---|
| Successful status | The bank’s system shows that the transfer was completed. |
| Debit from your account | The transfer amount has been removed from your available balance. |
| Transaction reference | A reference has been generated for the transaction. |
| Bank notification | You received a confirmation through an available notification channel. |
| Recipient confirms receipt | The recipient confirms that the money has arrived. |
What If the Transfer Shows as Pending?
A pending status means the transaction has not yet reached a final status. Avoid sending the same amount again until you know what happened to the original transaction. Monitor the transaction and contact your bank if it remains unresolved.
What If Your Account Was Debited but the Recipient Has Not Received the Money?
Check the transaction status and reference first. If the transfer is marked successful but the recipient cannot confirm receipt, contact your bank with the transaction reference, amount, date and recipient details so the transaction can be investigated.
Can You Check a Transfer Without Your Bank App?
Depending on your bank, you may be able to check transactions through internet banking, USSD, SMS or another official banking channel. The available options differ between banks.
Keep Your Transaction Reference
Save the transaction reference or receipt after making a transfer. It can help your bank trace the payment if there is a delay, dispute or other problem.
Always verify the transaction status before making another transfer, particularly when your account has already been debited.
