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Oladayo
Asked: 2026-05-02T09:06:50+00:00 In:

Yet to receive payment after selling stocks after one week on invest naija app

Have sold my access stocks up to a week now but no payment made to my bank account, and the transaction show executed.
Please anybody with similar experience or any idea

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2 Answers

  1. Ochoyoda
    Intermediate

    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

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  2. Alex ejike

    Have you checked your bank balance .because I have personally tried selling thrice on the app just to test it it and the only one that took five days was one that I mistakenly did on Friday evening. And another thing is for you to checked the app to ensure the transaction was executed After confirmiRead more

    Have you checked your bank balance .because I have personally tried selling thrice on the app just to test it it and the only one that took five days was one that I mistakenly did on Friday evening.
    And another thing is for you to checked the app to ensure the transaction was executed
    After confirming that you can reach out to customer support .

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