Hiya! Sylvia here! Happy New Month. Trust you’re good? Great! Let’s get to this gist.
I opened an account with this savings app and the D-Day was fast approaching for me to withdraw my savings. So, I’ll finally withdraw the small money I saved like this. The N1,000 that I managed to save, ghen ghen!
I woke up that morning, totally forgot that it was the D-Day. I was out buying something when I remembered and I opened the app to withdraw. When I opened the app, I saw a balance of N11,123 and I was like wait, what?! Did they double the money or? ‘Cause I am not understanding.
So I chill until I get home to be sure. I was home now thanking God that maybe somehow this was a bonus when I decided to send a screenshot to my friend who also uses this app and just withdrew his savings days before. He said his didn’t work like that. There were no bonuses. Hmmm. I close and open the app again, still N11,123.
“Anyway, all na blessing”. I opened the app to withdraw my money and it asks for my BVN. Wait, what BVN? The one that I lost the sim I registered with and have no idea what the numbers are? That BVN?
Just when I was pacing, my mum calls to say “Sylvia, what’s happening with your account? The money someone sent isn’t reflecting”. Oh goodness! I immediately knew it was the app and now understood why I had N11,123 as my balance. So many questions ran through my head. Why did they take my money? Did I mistakenly save N10,000?
I called and asked why I had 10k deducted from my account and a representative said it was because of the plan I set. I set my savings goal as 10k monthly and so at my withdrawal date they withdrew my money from my account. I honestly felt that that was so not cool and unnecessary. I tried to make it make sense. “I’m going to withdraw the money today and you still take my money from my account?” Hmmm
Back to pressing matters. I had to figure out a way to get my BVN or else my mother would kill me because she already said not to join. I called my bank 20 times, no representative answered. Gosh! It was like they were out to get me.
I was crying on my bed when I remembered that I carried this bag to the bank the day I registered for my BVN. I rush to check the bag and lo and behold my BVN was sitting on a paper. Oh, glory!!
I quickly input my BVN in the app and withdrew my money. Also, I immediately changed the savings from N10,000 to N200 monthly just in case.
My mum then sends me a message via WhatsApp. She sends the alert message she received from my bank and asked what I did. Thank God for WhatsApp’s pop up feature I just went offline first to avoid shout. Lol. But I had to read her message.
I came online and read her messages and told her what happened. She interrogated me, I answered her questions and then it ended with “do not experiment with money”.
Now here’s what you should know before you use any savings app
• If you hear of an app, please be sure to read everything about it, how it works, what happens with your savings and all so you don’t get surprised like I was.
• Ask people who use the app. Ask questions. I didn’t ask I was just in a hurry to join.
If you’re seeing this post and you’re wondering what savings app this is, it’s Cowrywise and here’s my referral link if you’re ready to save money. It’s a great app, I obviously didn’t read.