Why is my InvestNaija wallet funding transaction failing through UBA and Zenith Bank in Nigeria?

What you are describing is usually a problem between the receiving virtual account provider (Paystack/Titan) and the interbank transfer network, not necessarily your own bank account.
InvestNaija likely uses Paystack-Titan virtual accounts for wallet funding. Paystack itself says transfers to Paystack-Titan accounts can sometimes fail or become unavailable during network or NIBSS issues.
From your symptoms:
UBA saying “no response from Paystack Titan” → means UBA can see the destination bank but cannot complete handshake/confirmation with the Paystack-Titan gateway.
Zenith saying “account not found” → usually means either:
the virtual account has expired/changed,
InvestNaija disabled the old wallet account,
or Zenith’s network is not resolving the Paystack-Titan account correctly.
This is common with some fintech virtual accounts in Nigeria, especially when:
the app changes payment partners,
your dedicated account was regenerated,
or NIBSS routing is unstable.
What to do:
Open the InvestNaija app and check whether:
your wallet account number changed,
the bank name changed from Paystack-Titan to another bank,
or they generated a new reserved account.
Do not use an old saved beneficiary. Delete the beneficiary completely from:
UBA app
Zenith app
Then add it again manually.
Try another transfer channel:
USSD
internet banking
another bank like Opay, Moniepoint, Access, GTBank
Sometimes one bank resolves Paystack-Titan better than another.
Confirm your KYC status inside the app. Some platforms temporarily disable wallet funding if:
BVN/NIN mismatch,
expired ID,
or pending verification.
Contact InvestNaija support and specifically ask:
“Has my reserved account changed?”
“Is Paystack-Titan funding currently active on my profile?”
“Can you regenerate my wallet account?”
If they delay, request:
an alternative manual funding account,
or direct bank deposit instructions.
Also note that Paystack has reported several recent Nigeria transfer disruptions involving Paystack-Titan and NIBSS delays.
One more important thing: If this has lasted “over two months,” it is unlikely to be a temporary network glitch. It more likely means:
your dedicated account was replaced,
your profile has a backend restriction,
or InvestNaija migrated wallet providers without updating your account properly.
So the fastest resolution is usually getting them to regenerate a new wallet account number for you.