Reclaim What’s Rightfully Yours
Expert Bank Charges & Recovery Audit Services for Nigerian Businesses
Discover discrepancies, recover excess charges, and take back control of your business finances.

Why This Service Matters
Over the years, our audit findings have revealed that many Nigerian banks do not consistently comply with the monetary and credit policy guidelines, CBN circulars, and approved tariff structures.
From wrong value dates to system errors and incorrect postings, these issues often result in clients being overcharged — without their knowledge.
What Can Go Wrong in Your Bank Charges?

Incorrect Value Dates
Leading to interest miscalculations

System & Programming Errors
Automated errors in charge application

Overposting or Duplicates
Accidental or repeated deductions

Policy Non-Adherence
Charges inconsistent with CBN guidelines
The Audit Process – Simple & Transparent
Document Collection
You provide bank statements and necessary agreementsAudit Execution
We use our tools to analyze charges and match against official tariffsFindings Report
We prepare a report outlining all discrepancies and overchargesEngagement with Bank
We support you in getting refunds or account corrections
Why Work With S.A. Ganiyu & Co.
Expert knowledge of CBN regulations
Transparent audit processes
Specialized financial software tools
Proven record of successful recoveries
Confidential and professional service
Benefits to Your Business
When you engage S.A. Ganiyu & Co. for a bank recovery audit, you enjoy:
Improved Cash Flow & Liquidity
Access to funds previously lost to overchargesFinancial Discipline for Banks
Banks become more cautious once they know their charges are under reviewAccurate Interest Calculations
You pay only what’s approved on overdrafts, deposits, or letters of creditBetter Banking Negotiations
We guide you in structuring better financing terms and understanding your options

Don’t Let Hidden Bank Charges Drain Your Business
Start your free audit today and take back control of your cash flow.
Testimonials
Some of the wise word from our satisfied clients.
SA GANIYU has helped us for many years. We have always been impressed by the team’s expertise and understanding of small healthcare businesses. They have a personal, proactive approach to guiding us with our Practice's financial running and are always available via telephone or email.
We have had a relationship with SA GANIYU for several years and, during that time, have received excellent service. SA GANIYU team has consistently provided reliable insight and guidance resulting in us viewing them as a trusted and valued business partner. The combination of expertise, client service, and value is hard to beat.
We have been working with SA GANIYU and his team for three years. They provide us with expert advice in relation to our annual accounts, tax, and Solicitors’ accounts rules. The team at SA GANIYU is very professional, and always gives clear advice and guidance in a prompt and efficient manner.