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.

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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

Who Needs This Service?

  • SMEs with high-volume banking transactions

  • Companies using overdrafts or trade finance instruments

  • NGOs and government contractors

  • Any business unsure of what they’re being charged

The Audit Process – Simple & Transparent

  • Document Collection
    You provide bank statements and necessary agreements

  • Audit Execution
    We use our tools to analyze charges and match against official tariffs

  • Findings Report
    We prepare a report outlining all discrepancies and overcharges

  • Engagement 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 overcharges

  • Financial Discipline for Banks
    Banks become more cautious once they know their charges are under review

  • Accurate Interest Calculations
    You pay only what’s approved on overdrafts, deposits, or letters of credit

  • Better 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.

Book an Audit Consultation
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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.

Uchenna Eziefula

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.

Mrs Blessing

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.

Temitope Salau