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ATM | Zikoko!
  • 8 Things That Should Be Available At ATMs

    There are some basic things that should be available at ATMs and since no one is talking about it, we have decided to highlight 8 of them in this article.

    1. Chairs

    Dear Nigerian banks, If you are going to have an atm gallery with just one atm working, providing chairs is the least you can do. You never know, while sitting down, more people might decide to save that last 1k instead of withdrawing it for shawarma.

    2. Ramps

    Of course, ramps should be available at ATMs you must always take into account your disabled customers, it’s a basic corporate social responsibility you owe your customers.

    3. Food trucks

    Sometimes the queue can be very long and if you step away for a second, Nigerians can almost break your head when you come back. Imagine holding hot amala in one hand and twenty thousand naira debit slip in the other. With these few points of ours, we hope we’ve been able to convince you to make this happen.

    4. Money doubler

    Honestly, this is an essential service all banks should make available at ATMs. When people withdraw their last cash, who wouldn’t want the option to double it for no extra fee of course? Banks should cover the extra cost with all the money they randomly collect for no reason.

    5. Umbrellas

    If asking for chairs is too much, surely this is a cheaper ask. The sun is always somehow hotter when money is leaving your account. Will they get stolen, possibly, but that’s not the point. Nigerians are a lot nicer when they aren’t standing under the hot sun.

    6. Wall socket

    The queues are always so long, this is the least banks can do, to be honest. Sometimes the brain can forget the account number you are supposed to transfer money to, so you type it into your phone. While waiting in the queue your phone goes off, that’s almost two hours of your life gone for no reason. Having a wall socket would make life better.

    7. Handkerchief dispenser

    All ATMs should come with this feature. As so as you eject your debit card, a handkerchief should come out with it so that you can clean your tears before spending that money you don’t have. Will people go there at night, pretending to withdraw so they can steal as many handkerchiefs as possible? Yes, but think of it as a way of creating jobs.

    8. Queue for old people

    These guys are the cause of all the drama and fights that happen at ATMs. The best solution is to give them a queue of their own so they can shout and demand respect from each other and society can be at peace again.


    [donation]

  • 10 Stressful Thoughts Every Nigerian Has When Using An ATM

    1) Your account being debited but the ATM not bringing out any money.

    This is much worse when the money taken was your last card. Now you’ll have to enter the banking hall and start shouting for them.

    2) The ATM swallowing your card.

    Just forget it and go apply for a new one.

    3) The ATM taking longer than usual to work and people behind you start getting impatient because they think the real reason is that you don’t know how to use the machine.

    “They’ll soon start calling me ‘olodo.’ Hay God.”

    4) Waiting in line for so long only for some random person to show up and say, “I’m in front of you. I’ve been sitting down there.”

    “Why are you like this?”

    5) Waiting in line for so long only for the money to finish when it gets to your turn.

    Then you have to resist the urge to start fighting the person who withdrew before you.

    6) The ATM going offline with your card still in it.

    How…Wh…WHAT DO I DO NOW?!

    7) Attempting to press the buttons only for the ATM to shock the shit out of you.

    Then you turn to the people behind you with a look on your face that says, “DID YOU SEE THAT?!”

    8) The ATM giving you money so old and dirty, it looks like someone used it to wipe their ass after a case of explosive diarrhea.

    “I deserve better than this sha oh.”

    9) The ATM giving you your card WITHOUT the chip.

    Oh, yeah. That happens.

    10) The ATM giving you incomplete money.

    “Wtf is this shit??”

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  • Before I begin, if you’re a Nigerian who doesn’t know what an ATM is, please raise your hand.

    Sigh, everyone, as expected.

    A few days ago, someone asked a very crucial question on Quora.

    We can all see that right? Okay.

    Are there any ATMs in Nigeria? This question had a lot of us confused.

    ATMs?  What are those?

    For Nigerians who might still not be aware what we’re talking about, the ATM stands for Automated Teller Machine. It’s a machine used to perform cash transactions.

    Yup, those actually exist in some parts of the world.

    Even though the question got a few accurate answers like this one, I’d like to really break it down to your full understanding.

    This is going to be very educative, trust me.

    In Nigeria, we communicate with birds. Everyone has a bird assigned to them, you train and guard your own bird.

    Animals and humans are like siblings in this part of the word. No big deal.

    As soon as we receive money, we give our birds to fly the money to a land called Naira Treasure Land.

    This is where the bird drops the money.

    Now, they don’t just dump the money there. Everyone is allowed into that land at least twice a year.

    We dig up holes for our money to be stored.

    So your bird has already been trained to know your money hole. It’ll now help you drop it, cover the hole, and then return back to you.

    We spend many years training these our super smart birds.

    So thats were we keep large amounts of money. For smaller amounts for everyday expenses we dig holes around the huts that we live in.

    Smart right?

    But we usually have to make sure our birds are properly skilled, so they leave no traces of our hole.

    You know people could be tempted to steal.

    Anyway, we’re sure ATMs are nice.

    But this helps us save properly.
  • 7 Kinds of People You’ll Meet At The ATM

    1. The Queue Prefect

    This one likes to watch the line and make sure nobody is cutting the queue or trying to take another person’s space. They will fight you if you argue with them. Just jejely obey and stand where they tell you to.

    2. The “I was here before” people

    They’re always saying “I was here before”, even though nobody really remembers them being there before.

    3. The “please can I enter?” people

    These ones don’t want to spend too long on the queue, so they’ll be begging everybody on the line to give them space.

    4. The Lord of the Cards

    These ones are Baba card holders. Master of the cards. They will come with five ATM cards and will nearly finish all the money from the machine by the time they finish withdrawing.

    5. The “I’m at your back” people

    They are always at your back. They will go and find somewhere to sit and leave you there protecting their space. As if you too don’t know how to find sit too.

    6. The ones that’ll spend 100 years trying to use the machine

    They don’t know how to use the ATM but instead of them to ask somebody to help them, they’ll be forming bahd guy.

    7. The ones that’ll print receipt only to throw it away

    https://twitter.com/omoissy/status/861915217428705280
    Like, why’d you even bother then?

    And now, here’s a post on all the things we hate about queuing at the ATM:

    https://zikoko.com/list/else-hates-atm-queues/
  • 1. Has anybody noticed that the sun that beats when you’re on the queue is not even from here at all?

    2. Then one person will now come and start protecting his pin as if Abacha transferred money to his account

    3. The ones that help 7 people withdraw when 10 million people are behind them:

    4. Those special ones that now decide to take their time and lay eggs at the ATM, wuzz the problem?

    5. Instead of them to just say they can’t use the ATM, they’ll be waiting ten years for their helper to locate them

    6. But come, have they done Nigerians with this ‘I’m at your back’ thing on queues?

    7. You’ll already be thanking God that your turn has finally come, 5 people will just come out and say they’re in front of you

    8. You’ll now reach the ATM, only to see ‘temporarily unable to dispense cash’

  • 1. When you’ve finished eating and the waitress says “POS is not working”.

    So I should vomit the food or what?

    2. When you have to line up at the bank for a long time to get cash because your ATM card is misbehaving.

    Na wa oh!

    3. When you have to carry a large amount of cash with you, you’re like:

    That’s how they will steal from me and kill me oh!

    4. When you buy something from a store and they tell you “aunty there is no change”.

    Better find my change!

    5. When you’ve forgotten where you hid a large amount of cash in your house.

    I am finished oh!

    6. When rats and moths have turned your money to their midnight snack.

    This is not the life I was promised oh!

    7. When your ATM card just decided to stop working.

    So today my shame will be complete?

    8. When you find torn, old and ugly notes in cash you just received as payment.

    Will God not punish people like this?

    9. When your ATM card is stolen and you start receiving debit alerts.

    My enemies are at it!

    10. When you see your mates going cashless and you are still stuck carrying money like a cash alabaru

    When will my story change?
  • Every Emotion You Feel When The ATM Swallows Your Card

    1. You, going to the ATM to withdraw your last 1k.

    God help me.

    2. You, calculating how you’ll use the money to survive till salary enters.

    Garri, garri, and garri.

    3. When you reach the queue and ask the necessary question:

    “Amatyour back, please.”

    4. When you try to use faith to withdraw N1,500 instead and you see “insufficient funds”.

    Hay God!

    5. You respect yourself and just jejely choose the 1k that brought you there.

    Let me not shame my ancestors.

    6. When you’re waiting to hear the “krrrrrr” sound and the ATM resets.

    Chineke!

    7. You, begging the ATM to respect itself:

    Just don’t.

    8. When the ATM that just swallowed your card is still asking you to “insert card”.

    See me see trouble.

    9. How the people behind you on the queue look at you:

    E pele oh!

    10. When the branch has closed and you remember it’s Friday.

    Who did I offend?

    11. When you call customer care and they start asking you if you are sure.

    See question sha.

    12. When you go back to retrieve your card and they tell you it takes 7 working days.

    That what happened?

    13. When you hear you’ll have to pay to get a new card.

    Is it that 1k I want to use to drink garri?
  • 15 Pictures You’ll Understand If You’ve Ever Used An ATM In Nigeria

    1. When the ATM in front of a bank doesn’t have money in it.

    Are you people serious at all?

    2. When the ATM swallows your card on a weekend.

    I’m dead.

    3. Nigerians and “Are you the last pulzon on the queue? Amatyourback.”

    Leave me, biko.

    4. When someone tries to jump the queue.

    Better respect yourself.

    5. You, when you want to check your account balance.

    Mind your business, please.

    6. When you don’t withdraw because you’re broke and someone asks “is it dispensing?”

    Uhm! Actually…The thing is…

    7. When it doesn’t bring out your money but you get a debit alert.

    Jehovah!

    8. When someone asks you to help them use the ATM.

    See this one.

    9. When the person using the ATM is reading it as if it’s a novel.

    Do and get out, abeg.

    10. Whenever you see “Issuer or Switch Inoperative”

    What does this even mean?

    11. When someone goes to the ATM that doesn’t have a line in front of it instead of going to the one with a queue.

    All of us that are not using it are mad, abi?

    12. When the ATM asks if you want a receipt then says it doesn’t have paper.

    Nonsense.

    13. When the ATM just swallowed someone’s card and they tell you to try your own.

    No, thanks.

    14. You, when the ATM makes that ‘Krrrrrrrr’ sound.

    YES LORD!

    15. How you feel every time your bank takes that N65:

    It’s God that will judge you.