What you’re experiencing is not normal if it’s already one full week after execution—but it’s also a common issue on some Nigerian investment apps, including InvestNaija. Let’s break it down clearly so you know exactly what’s happening and what to do. 1. What “Executed” actually means When your tradRead more
What you’re experiencing is not normal if it’s already one full week after execution—but it’s also a common issue on some Nigerian investment apps, including InvestNaija.
Let’s break it down clearly so you know exactly what’s happening and what to do.
1. What “Executed” actually means
When your trade shows “executed”:
Your shares (e.g. Access Holdings Plc) have been successfully sold on the NGX
The buyer has paid
The money is now in the broker/app’s custody, not yet your bank
2. Standard timeline in Nigeria (very important)
The Nigerian market operates on:
👉 T+2 settlement cycle
Meaning:
T (Trade day) = Day you sold
T+2 = 2 working days later → money settles
After settlement:
Broker/app processes withdrawal → 1–3 additional working days
So normal expectation:
👉 3 to 5 working days total
3. Your case (1 week delay)
If it’s been more than 5 working days, then something is off.
Possible reasons:
a. You didn’t initiate withdrawal
Some apps don’t auto-send to your bank.
Check:
Is the money sitting in your “wallet” inside the app?
b. KYC / bank details issue
Name mismatch
Wrong account details
Unverified account
c. Broker/app delay
Some platforms batch withdrawals or delay processing.
d. Backend/CSCS reconciliation delay
Trades settle through the system linked to Central Securities Clearing System
If there’s a mismatch, payout can stall.
4. What you should do immediately
Step 1: Check your app wallet
Confirm if funds are already available inside the app
If yes → manually request withdrawal
Step 2: Contact support (don’t wait)
Message InvestNaija support with:
Trade date
Stock name (Access Holdings)
Quantity sold
Screenshot of “executed” status
Step 3: Escalate if needed
If no response in 48 hours:
Demand timeline for payout
Ask if withdrawal has been processed or pending
Step 4: Final escalation (if it drags)
If it goes beyond 7–10 working days:
You can escalate to regulators like:
Securities and Exchange Commission Nigeria
(But usually it won’t get to this stage)
5. Important lesson (going forward)
Not all platforms are equal.
Apps like:
Chapel Hill Denham
Meristem Securities
…often have more structured withdrawal processes than some fintech-style apps.
6. Bottom line
✔ Your shares are already sold (money exists)
⚠ Delay beyond 5 working days is not standard
🔴 Most likely issue = withdrawal not triggered or app delay
Why haven’t I received payment after selling my shares on InvestNaija in Nigeria?
What you’re experiencing is not normal if it’s already one full week after execution—but it’s also a common issue on some Nigerian investment apps, including InvestNaija. Let’s break it down clearly so you know exactly what’s happening and what to do. 1. What “Executed” actually means When your tradRead more
What you’re experiencing is not normal if it’s already one full week after execution—but it’s also a common issue on some Nigerian investment apps, including InvestNaija.
See lessLet’s break it down clearly so you know exactly what’s happening and what to do.
1. What “Executed” actually means
When your trade shows “executed”:
Your shares (e.g. Access Holdings Plc) have been successfully sold on the NGX
The buyer has paid
The money is now in the broker/app’s custody, not yet your bank
2. Standard timeline in Nigeria (very important)
The Nigerian market operates on:
👉 T+2 settlement cycle
Meaning:
T (Trade day) = Day you sold
T+2 = 2 working days later → money settles
After settlement:
Broker/app processes withdrawal → 1–3 additional working days
So normal expectation:
👉 3 to 5 working days total
3. Your case (1 week delay)
If it’s been more than 5 working days, then something is off.
Possible reasons:
a. You didn’t initiate withdrawal
Some apps don’t auto-send to your bank.
Check:
Is the money sitting in your “wallet” inside the app?
b. KYC / bank details issue
Name mismatch
Wrong account details
Unverified account
c. Broker/app delay
Some platforms batch withdrawals or delay processing.
d. Backend/CSCS reconciliation delay
Trades settle through the system linked to Central Securities Clearing System
If there’s a mismatch, payout can stall.
4. What you should do immediately
Step 1: Check your app wallet
Confirm if funds are already available inside the app
If yes → manually request withdrawal
Step 2: Contact support (don’t wait)
Message InvestNaija support with:
Trade date
Stock name (Access Holdings)
Quantity sold
Screenshot of “executed” status
Step 3: Escalate if needed
If no response in 48 hours:
Demand timeline for payout
Ask if withdrawal has been processed or pending
Step 4: Final escalation (if it drags)
If it goes beyond 7–10 working days:
You can escalate to regulators like:
Securities and Exchange Commission Nigeria
(But usually it won’t get to this stage)
5. Important lesson (going forward)
Not all platforms are equal.
Apps like:
Chapel Hill Denham
Meristem Securities
…often have more structured withdrawal processes than some fintech-style apps.
6. Bottom line
✔ Your shares are already sold (money exists)
⚠ Delay beyond 5 working days is not standard
🔴 Most likely issue = withdrawal not triggered or app delay