Uma História: a Palavra do Ano do Dicionário.
Palavra do ano.
Nossa escolha de Palavra do Ano serve como um símbolo dos eventos mais significativos de cada ano e das tendências de pesquisa. É uma oportunidade para refletirmos sobre a linguagem e as ideias que representam a cada ano. Então, dê uma volta pela pista da memória para lembrar todas as nossas últimas seleções do Word of the Year.
Não foi moda, engraçado, nem foi cunhado no Twitter, mas achamos que a mudança contou uma história real sobre como nossos usuários definiram 2010. Ao contrário de 2008, a mudança não era mais um slogan de campanha. Mas o termo ainda tinha muito peso. Aqui está um trecho do nosso anúncio da Palavra do Ano em 2010:
O debate nacional pode ser resumido pela pergunta: Nos últimos dois anos, houve mudanças suficientes? Tem havido muito? Enquanto isso, muitos americanos continuam enfrentando mudanças em suas casas, contas bancárias e empregos. Só o tempo dirá se a última onda de mudanças pela qual os americanos votaram nas eleições intermediárias resultará em um resultado negativo ou positivo.
Tergiversar.
Esta palavra rara foi escolhida para representar 2011 porque descreveu muito do mundo ao nosso redor. Tergiversar significa "mudar repetidamente a atitude ou opiniões de uma pessoa em relação a uma causa, assunto, etc." Os editores do dicionário viram o mercado de ações, os grupos políticos e a opinião pública passarem por uma montanha-russa de mudanças ao longo de 2011. E assim, nomeamos tergiversar a Palavra do Ano de 2011.
Em um ano conhecido pelo movimento Occupy e o que ficou conhecido como a Primavera Árabe, nossos lexicógrafos escolheram a tag como sua Palavra do Ano de 2012. Aqui está um trecho do nosso lançamento que dá uma boa explicação para a nossa escolha:
2012 viu as campanhas políticas mais caras e alguns dos eventos climáticos mais extremos da história da humanidade, desde enchentes na Austrália a ciclones na China, ao furacão Sandy e muitos outros.
Ficamos sérios em 2013. A privacidade de todos estava naquele ano, desde a revelação de Edward Snowden do Project PRISM até a chegada do Google Glass. Aqui está um trecho do nosso anúncio em 2013:
Muitos de nós abraçamos as mídias sociais, optando por oferecer informações íntimas e fotografias pessoais no Facebook, Twitter e Instagram; Essa participação robusta ecoa uma observação de Mark Zuckerberg em 2010 de que o nível de conforto do público em compartilhar informações pessoais on-line é uma “norma social” que “evoluiu com o tempo”. Mesmo assim, uma pesquisa recente da Harris Poll mostra que os jovens estão agora monitorando e alterando suas configurações de privacidade mais do que nunca, um desenvolvimento que o USA Today apelidou de "efeito de Edward Snowden".
Alerta de spoiler: As coisas não ficaram menos sérias em 2014. Nossa Palavra do Ano foi a exposição, que destacou o surto do vírus Ebola no ano, chocantes atos de violência tanto no exterior quanto nos EUA e o roubo generalizado de informações pessoais. Aqui está o que nós tivemos a dizer sobre a exposição em 2014:
Do senso de vulnerabilidade que permeia o Ebola à visibilidade de atos de crime ou má conduta que provocaram conversas críticas sobre raça, gênero e violência, vários sentidos de exposição foram expostos ao público este ano.
A fluidez da identidade foi um grande tema em 2015. A linguagem em torno do gênero e da identidade sexual se ampliou, tornando-se mais inclusiva, com acréscimos ao dicionário, como gênero fluido, bem como o prefixo neutro de gênero Mx. A identidade racial também teve muito debate em 2015, após Rachel Dolezal, uma mulher branca se apresentar como uma mulher negra, disse que ela se identificou como biracial ou transracial. Nossa Palavra do Ano em 2015 refletiu as muitas facetas da identidade que surgiram naquele ano.
Xenofobia.
Em 2016, selecionamos a xenofobia como nossa Palavra do Ano. O medo do "outro" foi um grande tema em 2016, do Brexit à retórica de campanha do presidente Donald Trump. Em nosso anúncio, pedimos aos nossos leitores que refletissem sobre este termo em vez de celebrá-lo:
Apesar de ser escolhida como a Palavra do Ano de 2016, a xenofobia não deve ser celebrada. Pelo contrário, é uma palavra para refletir profundamente à luz dos acontecimentos do passado recente.
A palavra cúmplice surgiu em conversas em 2017 sobre aqueles que se manifestaram contra figuras e instituições poderosas e sobre aqueles que permaneceram em silêncio. Foi um ano de despertar real para a cumplicidade em vários setores da sociedade, da política à cultura pop. De nosso anúncio de Palavra do Ano de 2017:
Nossa escolha para Palavra do Ano é tanto sobre o que é visível quanto sobre o que não é. É uma palavra que nos lembra que até a inação é um tipo de ação. A aceitação silenciosa do erro é como chegamos a esse ponto. Não devemos deixar que isso continue a ser a norma. Se fizermos isso, então somos todos cúmplices.
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Este 350 bloco pequeno Chevy em um gramado mais é louco! Por que colocar um V8 em um cortador de grama? Bem, porque não?! Ouça esta coisa & # 8230;
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O Departamento de Assuntos Internos.
Te Tari Taiwhenua.
Construindo uma nação segura, próspera e respeitada.
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Os seguintes golpes de email foram relatados à equipe de conformidade de mensagens eletrônicas. Links para páginas da Web de golpes foram removidos e espaços foram adicionados aos endereços de email para garantir que eles não se tornem hyperlinks.
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Conselho de Promoção do Google.
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De: Como eu fiz $ 2.861 em quatro dias [ver prova]
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Temos o prazer de informar sobre o lançamento dos tão aguardados resultados da promoção Sorteios organizada pela Microsoft Corporation, em conjunto com os produtos da Fundação para a Promoção de Software (F. P.S.), realizada em dezembro de 2012, em Madri, Espanha. Onde em seu endereço de e-mail surgiu como um dos e-mails vencedores on-line na 1ª categoria e, portanto, atraiu um prêmio em dinheiro de 350.000,00 euros (trezentos e cinquenta mil euros apenas) e um laptop Toshiba.
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Dr. Keith L. Barrett.
Inland Revenue Board Nigéria.
Assunto: Sua Remuneração de $ 2.4M USD de mim Dr. Residua Domba o Ministro de Finanças Formal Benin.
Após os últimos cálculos anuais de sua atividade fiscal, determinamos que você está qualificado para receber uma restituição de impostos de 325,65 GBP. Envie a solicitação de reembolso de impostos e faça o download do formulário anexado fazendo com que o reembolso seja enviado à sua conta bancária no devido tempo.
- faça o download do Formulário de reembolso fiscal anexado a este e-mail.
- abra-o em um navegador.
- Siga as instruções em sua tela.
Por favor insira suas Informações Pessoais e um Cartão de Crédito / Débito válido onde você deseja que o reembolso seja feito.
• Por favor, forneça as seguintes informações com precisão.
Data de expiração: * [- Month - \ /] - [- Year - \ /]
Código de segurança: * [ver exemplo]
Verificado pela Visa Password: *
Valor do reembolso: GBP.
Nota Por motivos de segurança, recomendamos que feche o seu navegador depois de concluir o processo de reembolso.
Assunto: informações atualizadas.
Assunto: SAD NEWS.
Assunto: Meu querido ..
Assunto: PSIS Now Co-Operative Bank, verifique sua conta hoje.
Atendimento ao Cliente do Banco Cooperativo.
© 2012 Banco Cooperativo de Direitos Autorais. Todos os direitos reservados.
Assunto: ENTRE EM CONTATO COM MR KELVIN WILLIAMS IMEDIATAMENTE.
Nome: Sr. Kelvin Williams.
Email: consultor mr_kelvin.
Número de telefone: (+ 1-251-279-9950)
108 Crockett Court.
Apt 303, New Braunfels Texas,
Estados Unidos da America.
Assunto: Contact Mr Roger Johnson .. (12090)
Responder para: & lt; mr. rogerjohnson1 yahoo. co. uk & gt;
Federal Bureau of Investigation (FBI)
Divisão de Crime Anti-Terrorista e Monitória.
Departamento Federal de Investigação.
Edifício de J. Edgar. Hoover Washington Dc.
Nome completo e idade:
CÓPIA DE DIGITALIZAÇÃO DO SEU PASSAPORTE INTERNACIONAL.
NÚMERO DE TELEFONE CELULAR:
NOME: Sr. Roger Johnson.
EMAIL: mr. rogerjohnson1 yahoo. co. uk.
No entanto, você deve eliminar cada átomo de dúvida ou medo da mente e ter certeza de que você obviamente revelou a este cargo que, de fato, você não recebeu seu direito devido a você. Além disso, todas as medidas de segurança foram empregadas por este Comitê. a segurança dos beneficiários estrangeiros e a constante conscientização de pessoas como você, que podem ter sido enganadas no passado, para que você possa saber em quem confiar e quem não deve.
Assunto: Apanhe o pagamento da união ocidental (M. T.C. N): 9342455723.
Primeiro nome do remetente: CECILIA.
Último nome do remetente: MARK.
Pergunta: pagamento e retirada.
Valor: $ 5000 USD.
Pergunta de teste: bom.
Resposta de teste: notícias.
Valor: US $ 125,00.
E-mail (payofficewesterunion987 gmail)
Diretor da Western Union.
Assunto: Re: ATENÇÃO POR FAVOR
Eu sou a Sra. Haslinda Poon Binti Abdullah, é verdade que não nos conhecemos, mas Meu espírito me levou a te escrever, eu tenho sua identidade da Internet e você realmente tem que me ajudar a alcançar este sonho, Por favor, não desconsidere esta massagem Pelo amor de Deus. Eu te escrevo com lágrimas pesadas nos olhos e grande tristeza em meu coração porque meu médico me informou que eu tenho um tempo limitado para viver devido aos meus complicados problemas de saúde (Câncer) com base nisso, eu quero minha dinheiro para um fiel e Deus temendo pessoa que vai usar os fundos para levantar qualquer negócio rentável e desembolsar 50% do lucro líquido anual em caridade, 30% para a expansão, 20% será para você, tendo crescido no lar orfanato , Eu sei o que significa ser uma ORPHAN, não tenho família para tirar dos fundos. será usado para ajudar casas de caridade / orfanato, & amp; Ajudar as pessoas envolvidas em qualquer forma de desastre natural.
Por favor, responda de volta se você deseja alcançar este objetivo em meu nome.
Você não tem amigos que você poderia pedir para satisfazer seus desejos? Eu não poderia, exceto dinheiro de um estranho, eu moro na Nova Zelândia, temos centros de tratamento de câncer avançados aqui. Você consideraria vir para a Nova Zelândia conhecer minha família e se Deus quisesse ser curado em seu nome?
Obrigado pela sua gentil preocupação. Eu gostaria que fosse possível para eu vir ao seu país para tratamento.
Mais uma vez meu nome é Haslinda Poon Binti Abdullah, da Malásia, e recebe tratamento no hospital norte-americano Dubai United Arab Emirates. Eu decidi doar o fundo (3,2 milhões de dólares americanos) herdado do meu falecido marido para um projeto de caridade devido à minha doença terminal. Você pode se perguntar como eu consegui o seu contato e o que pedir minha decisão de doar minha herança para você, quando há muitas pessoas que eu conheço melhor e poderia confiar neste tipo de projeto, minha querida, deixe essa pergunta não incomodar você, porque eu quero dizer bem. De acordo com o seu contato, eu consegui através da pesquisa na internet de acordo com a direção do meu espírito.
Lembro-me de dizer em meu e-mail anterior que fui guiado pelo meu espírito a escolher você para este projeto, do qual decidi usar minha herança para esse nobre projeto de caridade porque o casamento com meu falecido marido terminou sem filhos. Dois anos atrás, fui diagnosticada com câncer no coração, que ocorreu logo após a morte do meu marido, uma situação que me levou à hipertensão e a um derrame parcial. No meu atual estado de saúde, a vida não tem sentido e a esperança escurece a cada momento que passa para mim. Ao pensar em minha existência espancada e destruída, sou geralmente subjugado pelo desespero e pela tristeza. É principalmente minha situação desesperadora e desamparada que me levou a decidir sobre esse projeto para melhorar as vidas dos menos favorecidos ou desfavorecidos, como meu último sinal de contribuição à humanidade.
Devo confessar que realmente fui tocado por Deus para fazer isso. Decidi não doar esse dinheiro através de parentes ou amigos íntimos, porque se eu fizer, após a minha morte, a família do meu marido pode envolver esse beneficiário em batalha legal, alegando que minha ação foi sem o seu consentimento e como tal 'nulo e vazio'. Eles podem tentar usar sua influência para perverter o curso da justiça e recuperar a doação; uma coisa que eu odeio imaginar! A família do meu marido é viciosa e será uma traição ao meu falecido marido se eu deixar que eles acessem ou desfrutem dos frutos de seu trabalho árduo depois de todos os seus erros contra ele. Deus me livre que eu faça algo tão covarde quanto isso. Agora você pode ver a combinação de fatores que motivaram a iniciativa de doação / caridade. O que eu quero que você faça é investir o dinheiro em qualquer área de negócio que você tenha experiência relevante e conhecimento para administrar, que seja viável e lucrativo, e no final de cada ano, você deve desembolsar 50% do lucro para fins de caridade e colocar 30% de volta no negócio para expansão, deixando 20% para você como compensação. Dessa forma, o fundo de caridade não só será sustentável para atender aos menos privilegiados, mas também gerará empregos e capacitará pessoas sem emprego. Esta é a minha visão e é assim que quero que você lide com este projeto sem falhar.
Eu quero que você me garanta que vai se comprometer e dedicar-se a essa tarefa e sinceramente e honestamente desembolsar os recursos que eu vou doar para realizá-lo. Por nenhuma razão você deve ter tentado desviar os fundos para fins de auto-serviço. Ao descarregar este projeto, Deus certamente lhe recompensará Seu próprio caminho. Por favor, porque eu não quero que os membros da minha família do falecido marido, que me espionam, saibam da minha última decisão e ação nesta fase e por razões de saúde, eu não entreterei telefonemas e conversas. Se você tiver certeza de que usará a doação como eu já disse, declare seu interesse para que eu o apresente ao meu advogado para que ele prepare a documentação necessária e apresente ao meu banco para que eles transfiram o dinheiro para sua conta bancária.
Em anexo está a cópia do meu passaporte internacional para auto-reconhecimento e espere o seu nome completo, imagem e nacionalidade em troca.
Assunto: Eu sou REV MATHEW OKOH, o Diretor da Unidade de Remessa BANCO UBA. O nigeriano, em conjunto com o Governo Britânico, GOVERNO DOS EUA, BANCO MUNDIAL, ORGANIZAÇÃO DAS NAÇÕES UNIDAS em assuntos de pagamentos estrangeiros, capacitou meu banco depois de muita consulta para lidar com todos os estrangeiros. pagamentos de US $ 10 milhões e liberá-los para seus beneficiários apropriados com a ajuda de um representante do Federal Reserve Bank. Volte com seus dados.
Responder para: & lt; atm_remitt yahoo. cn & gt;
Ministério Federal das Finanças.
Kompleks Kementerian Kewangan.
No. 5 Persiaran Perdana.
Presint 2, Pusat Pentadbiran.
62592 WP Putrajaya, Malásia.
Assunto: Parabéns !! De máxima urgência.
País. República do Benim.
Cidade da localização. Cotonou
Pergunta de texto. Em Deus.
Responda. Nós confiamos.
Nota: o Western Union Payment Center foi mandatado para emitir o seu código de pagamento. A bruxa é (western442) usar o código como seu Assunto quando entrar em contato conosco e você tem que parar qualquer outra comunicação com outra (s) pessoa (s) ou escritório (s) ) para evitar quaisquer problemas no recebimento do pagamento.
NB: ME DEIXE SABER QUE VOCÊ OBTEVE ESTE CORREIO PARA FINS DE GRAVAÇÃO SOMENTE.
DIRETOR REV. ÁGUA DE PRATA.
TELEFONE: + 229-98285866.
GERENTE DE OPERAÇÃO DE FORIGN.
ESCRITÓRIO DA UNIÃO OCIDENTAL BENIN REPUBLIC.
Assunto: Re: Parabéns !! De máxima urgência.
ENDEREÇO XXXXX, CHRISTCHURCH, NOVA ZELÂNDIA.
TELEFONE CELULAR XXXXXX.
4. Número do Telefone ____.
E-mail: westernunion. headofficebn01 yahoo. hk.
Note que você tem que ligar para o Rev Silver Water no telefone Uma vez que você enviou os dados do seu receptor + 229-98285866: E você só paga US $ 37 por assinatura & amp; reconfirmação do seu certificado de aprovação no escritório.
GERENTE DE OPERAÇÃO DE FORIGN.
Assunto: Atividades fraudulentas na sua conta.
Assunto: Seu status de conta do fim do ano!
© ASB Bank Limited 2012.
76 Buckingham Palace Road,
Londres SW1W 9TQ,
(1) Seu endereço de contato.
(2) Seus números de Tel / Fax.
(3) Sua nacionalidade / país.
(4) seu nome completo.
(8) Já ganhou uma loteria online?
Conselho de Promoção do Google.
Dr. Brian Robinson.
Email: dr_brianrobinson01 yahoo. co. jp.
Presidente do Conselho e Diretor Presidente.
C2012, Google Corporation.
Isso faz parte de nossa medida de precaução para evitar o abuso duplo e indevido deste programa por alguns elementos inescrupulosos. Por favor, seja avisado.
C2012, Google Corporation.
Assunto: tentativa de login sem sucesso.
Assunto: EMERGÊNCIA. (Urgente)
Espero que você receba isso a tempo, esta mensagem está chegando a você com grande depressão devido ao meu estado de desconforto.
Viajei em uma curta viagem para Manila-Filipinas, mas infelizmente eu fui roubado em um ponto de arma no meu caminho para o hotel onde eu fiquei. Todos os objetos de valor foram roubados (dinheiro, telefone e cartões de crédito), felizmente eu tinha o meu passaporte no meu quarto de hotel para me levar para casa. Foi uma situação tão embaraçosa que já estive na embaixada e na polícia, mas eles fizeram o melhor que puderam.
Atualmente, estou tendo algum problema para classificar minhas contas aqui, pois preciso liquidar todas as contas pendentes antes de poder voltar. Eu estou entrando em contato com você para pedir um empréstimo curto de US $ 1.980 (dólares americanos) para liquidar minhas contas, para que eu possa tomar providências para o meu retorno. Vou reembolsar imediatamente volto para casa em segurança, Por favor, deixe-me saber se você pode ajudar.
Muito obrigado e cumprimentos.
Oh não, é terrível. Eu tenho algum dinheiro extra que posso lhe emprestar. Como eu te dou o dinheiro?
Que bom que você está disposto a ajudar. Assim que eu voltar para casa, eu definitivamente reembolsaria o dinheiro. Tudo que eu preciso é de US $ 1.980 (USD). Você pode obter o dinheiro diretamente para mim através da Western Union com as minhas informações abaixo.
Nome do Destinatário: John Doe.
Localização: 55 Tomas Morato Extension, Quezon, Manila 1004, Filipinas.
Tudo o que você precisa fazer é localizar o escritório mais próximo da Western Union e ir até lá para enviar o dinheiro para mim. Assim que você enviar o dinheiro, por favor, volte para mim com todos os detalhes da transferência dada ao qual são o número de controle de transferência de dinheiro, valor enviado e as informações utilizadas no envio do dinheiro.
Muito obrigado e cumprimentos.
Aguardando seu email com os detalhes.
Assunto: RE: Da Escócia.
RE: PROJETO COM VOCÊ / SUA EMPRESA.
Fui instruído pelo meu empregador a escrever este e-mail em seu nome, pois ele está interessado em trabalhar com você depois de obter suas informações de contato do diretório da Internet.
Tel: (0044) 7012 94 8329.
Email: vic. angel1 aol. co. uk vic. angel1 yahoo.
Assunto: TRANSFERÊNCIA DA UNIÃO OCIDENTAL.
Assunto: NOTIFICAÇÃO DE PAGAMENTO.
Sr. Steve Simmons.
Gerente de Remessa HSBC Bank Plc.
(1) Nome completo conforme desejado no cartão:
(2) Endereço onde você deseja que o centro de pagamento envie seu CARTÃO ATM:
(3) Telefone e número de fax:
(4) Data de Nascimento:
Gerente de Remessa HSBC Bank Plc.
Assunto: Investimento Empresarial.
Assunto: FELICITAÇÃO !! PROMOÇÃO DO PRÊMIO BRASIL 2014 WORLD CUP AWARENESS.
Dr. Sra. Anita Jessica.
Assunto: Seu Itinerário Azul Virgem Detalhes da Viagem - O Itinerário está Anexado.
• Você deve chegar ao aeroporto e fazer o check-in pelo menos 30 minutos antes do horário de partida programado.
• Se não chegar até esse horário, você poderá perder seu voo e perder a tarifa paga.
Seu itinerário está no formato PDF e está anexado a este e-mail. Você precisará do Adobe Acrobat para visualizar este itinerário - baixe uma cópia gratuitamente no site da Adobe. Você também pode solicitar uma versão em texto sem formatação do itinerário.
Previsão do Tempo Local »
Verifique sua previsão do tempo local e de destino antes de ir.
Tarifas de aluguer de carros exclusivas da Europcar para todos os hóspedes da Virgin Blue.
Ampla gama de opções de hospedagem que atende às suas necessidades em casa ou no mundo todo.
Estacionamento do aeroporto
Economize dinheiro na Austrália e na Nova Zelândia pré-reservando com tarifas exclusivas para hóspedes.
GoDo Tours e Atividades »
Mais de 1.700 Tours e Atividades do GoDo para quando estiver em casa ou fora!
O Lounge é o seu oásis no aeroporto para fazer negócios, desfrutar de uma bebida premium ou simplesmente sentar e relaxar. Economize $ 5 pré-adquirindo sua única entrada agora por $ 30 AUD (inc. GST) por pessoa A entrada única também está disponível para compra na recepção do The Lounge no dia da viagem por $ 35 por pessoa (incluindo GST). Para obter mais informações sobre a associação anual ao The Lounge, visite o site do The Lounge.
O Lounge está localizado nos terminais domésticos dos aeroportos de Brisbane, Sydney, Melbourne, Adelaide e Canberra.
Os membros do Velocity ganham pontos de velocidade por cada dólar gasto em sua tarifa Virgin Blue!
Nosso programa de fidelidade premiado é gratuito para entrar online.
Assunto: Em relação às finanças.
• EMPRÉSTIMOS PESSOAIS.
• FINANCIAMENTO DE PROJETOS.
• FINANCIAMENTO CORPORATIVO.
Empréstimo contra a propriedade: Obter o melhor valor para sua propriedade. Veja o quanto você pode economizar com o Akshat Procon Pvt. Ltd.
Empréstimo pessoal: Cumpra todas as suas necessidades. Obter um empréstimo pessoal sem garantia com o Akshat Procon Pvt. Ltd.
ID EMAIL: akshat. procon gmail.
Assunto: Eu fui contratado para matá-lo.
Assunto: NOTIFICAÇÃO DE REVISÃO DE CONTA.
* Faturamento / pagamento.
* Abuso e & amp; Termos de Uso.
© ANZ Bank New Zerland.
Assunto: DOAÇÃO DE SUBSÍDIO DA IFFD.
NOBEL HOUSE, 17 QUADRADO DE SMITH.
LONDRES SW1P 3JR.
2. Endereço. Cidade. Estado. País.
3. Estado civil, se individual.
6. Telefone para contato.
7. Endereço de E-mail.
Dr Andrew Saint.
Tel: 00 44 701 078 6928.
Fax: 0044 871 503 9834.
Email: tracey-lidzyadam01.lidzyadam yandex.
Assunto: Querido amado em Cristo
Assunto: Minerais e Energia.
PRETORIA, REPÚBLICA DA ÁFRICA DO SUL.
+ 27-81 798 9826 muzi. john yahoo.
Assunto: seu ID de pagamento direto do depósito 648079096888 foi recusado.
NACHA | A Associação de Pagamentos Eletrônicos.
Herndon, VA 25889.
Telefone: 703-608-4872 Fax: 703-646-4410.
Assunto: Re: Cilindros
Assunto: Centro de Suporte.
Assunto: Proposta de SEO !!
Assunto: Seu amigo comece a economizar dinheiro criando eletricidade gratuita! altamente recomenda Faith e Family Flix - http // www faithandfamilyflix com.
Assunto: Deputada Mireille Tajani
Sra. Mireille Tajani.
Assunto: Reembolso de Imposto - $ 210,75 AUD.
• Para acessar o formulário para o seu reembolso de impostos, visite:
Por razões de segurança, vamos gravar o seu endereço IP, a data e hora. Insumos errados deliberados são perseguidos criminalmente e perseguidos.
Validação Estendida O Secure Socket Layer, ou EVSSL, significa que nosso site passou por muitas verificações rigorosas para confirmar sua validade e recebeu um 'certificado de autenticidade' que pode ser reconhecido pelo seu navegador.
Gabinete de Tributação Australiana (ATO)
Depois de fornecer as informações na última página, fui redirecionado para outra página da Web que exibia uma mensagem de agradecimento e, em seguida, fui rapidamente redirecionada ao site legítimo da Receita Federal da Austrália.
Assunto: RE: Hey Jane
Assunto: este foi enviado para mim e eu sei que é uma farsa.
NOME DE QUE INFORMADO DO SEU VENCEDOR:
E-MAIL E SENHA:
SURDO OU AUDITIVO.
O QUE VOCÊ FAZ PARA VIVER:
O QUE É O SEU RELATÓRIO DE CRÉDITO BOM OU RUIM:
VOCÊ TEM UMA CASA OU ALUGA APPT:
BREVE DESCRIÇÃO DA EMPRESA / INDIVÍDUO:
QUAL É O SEU E-MAIL DO FACEBOOK & amp; SENHA:
De: esperança fé & lt; hope_faith002 yahoo & gt;
Você ganhou £ 750.000,00 GBP.
Sr. Martin Rupert.
Assunto: Caro Amor
No momento em que você respondeu àquele e-mail que enviei a você há algum tempo, a partir daquele momento você aceitou a notificação e, em seguida, enviou-me seu nome, telefone e detalhes da conta.
Instrução do Código: GUUTU992 ele honrará a minha vontade e te pagará dentro da quarta oitava hora. Perdoe-me isso é tudo que eu peço. Por favor, envie-lhe seu ID, telefone e endereço para verificação e processamento de pagamento. Meu espírito será elevado uma vez que você receber essa compensação.
Assunto: ATM-398 :: Aprovado pelo governo dos EUA.
ARQUIVO DE REIVINDICAÇÕES: REF: ATM-3980.
5) COPIAR CÓPIA DE IDENTIFICAÇÃO DE CARTÃO / PROVA (SE HOUVER)
Assunto: Primeira designação oficial de (SMS ME em 916-399-3833).
2. Quando o fundo estiver disponível após o depósito, eu preciso que você envie o excesso de fundos via Western Union da seguinte forma:
3. Por favor, envie-me o comprovante de depósito de digitalização depois de depositar o cheque em sua conta.
A. Deduzir $ 800 pelo seu salário semanal.
B. Em seguida, a partir do saldo deixado de lado a taxa de transferência bancária.
C. Envie os fundos remanescentes da Western Union de acordo com as instruções abaixo.
D. Você terá $ 800 com você para minhas compras, eu instruí-lo-ei sobre o que comprar para mim.
Primeiro nome. SCOTT.
Último nome. JAMES.
Endereço..7114 Kundiman Street, Sampaloc,
Primeiro nome. ERIC.
Último nome. DAVIDS.
Endereço..7114 Kundiman Street, Sampaloc,
Envie-me os detalhes da transferência assim que estiver concluída amanhã.
Assunto: Mensagem do Hospital.
Sra. Amal Anees. Mensagem do Hospital.
Assunto: DA UNION BANK OF NIGERIA PLC.
BANCO DA UNIÃO DA NIGÉRIA (UBN)
Responder para: unionbankng1006 yahoo.
QUINTO TERCEIRO BANCO EUA.
COLDSPRING, TX. 77331.
NOME DA CONTA: MICHELLE R. LEWIS.
NÚMERO DA CONTA: 578278.
NÚMERO DE ROTEAMENTO: 113101524.
(2) ref. Código: KP23 / 857 / MCL5 / CO.
(3) Grant Number: MICC / 97846563459/206.
(4) Número de identificação pessoal (PIN): 0866750.
2. Seu telefone direto.
4. Seu endereço residencial:
5. Os seus dados bancários atuais de recebimento:
(CHAIRMAN UNION BANK DA NIGERIA PLC)
Assunto: Sra. Ann Earle II.
Sra. Ann Earle II.
Assunto: Parabéns! Pagamento da notificação final do PRÊMIO.
76 Buckingham Palace Road,
Londres SW1W 9TQ,
(1) Seu endereço de contato:
(2) Seus números de Tel / Fax:
(3) Sua nacionalidade / país:
(4) seu nome completo:
(8) Já ganhou uma loteria online?
Conselho de Promoção do Google.
Dr. Brian Robinson.
Presidente do Conselho e Diretor Presidente.
 © 2012 Google Corporation.
Acabei de receber esta notificação para uma posição de funcionário domiciliário através do Gigajobs, mas algumas coisas sobre o assunto me deixaram desconfiado, ou seja, a remuneração oferecida pelo trabalho requerido parece irrealista; Não consegui encontrar nenhuma informação na Internet sobre a Ristic International, soluções online internacionais ou Catherine Clarks; e descrever-se como uma pequena empresa inglesa, mas emprega mais de 1000 pessoas não se soma. Eu estou querendo saber se tem alguma coisa a ver com o golpe de soluções de renda on-line, como o trabalho baseado em casa e alto potencial de renda são características muito semelhantes.
Temos várias vagas disponíveis nessa área, ganhando $ 1000,00 - $ 2500. 00 por semana.
Estamos buscando apenas pessoas honestas e motivadas com o desejo de trabalhar no campo de digitação e digitação de dados em casa, no conforto de suas próprias casas. Os candidatos preferidos devem ter pelo menos 18 anos de idade com acesso à Internet. Nenhuma experiência é necessária. No entanto, as seguintes habilidades são desejáveis: habilidades básicas de computador e digitação, capacidade de soletrar e imprimir ordenadamente, capacidade de seguir instruções.
Tipo de Remuneração De acordo com as horas trabalhadas.
Local de trabalho Claudelands (Waikato), Nova Zelândia.
Requisitos do trabalho: Padrão Mínimo de Qualificação Educacional X.
Nome da Empresa Ristic International.
Descrição da Empresa Somos uma pequena empresa inglesa que recruta pessoas de todo o mundo.
Número de funcionários 1001 -
Sua parceira de contato, Catherine Clarks.
Assunto: Aviso importante do servidor.
COMPLEXO DO ESCRITÓRIO DE FALOMO,
Assunto: Últimas notícias do HMRC.
Oi, tenho recebido e-mails de "John Jacobson" (johnj_adrian ymail), & quot; Cynthia Harold & quot; (cynthia_harold live) e diplomatwoodclark hotmail. co. uk sobre eu ter recebido dois troncos de dinheiro equivalentes a US $ 14 milhões. O anexo são vários documentos que eles me enviaram.
Assunto: DETALHES DO SEU DINHEIRO ESTÁ ANEXADO.
Assunto: (vencedor). Xmas Promotion From Abu Dhabi.
Você ganhou £ 750.000,00 GBP.
Sr. Martin Rupert.
Assunto: O Banco Nacional juntou-se à ANZ - Update Your Account.
Assunto: UPS Quantum View & lt; auto-notificação ups & gt;
Inscreva-se para receber um e-mail adicional da UPS.
Leia o Compass Online.
Número de Pacotes: 1.
Serviço UPS: TERRA.
Número de rastreamento: 1Z2W27674100675118.
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Banco de dados da zona raiz.
O Banco de Dados da Zona Raiz representa os detalhes da delegação de domínios de nível superior, incluindo gTLDs, como TLDs com códigos de países, como. uk. Como gerente da zona de raiz do DNS, somos responsáveis por coordenar essas delegações de acordo com nossas políticas e procedimentos.
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Domain Names.
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External Reserves Hit Four-year High of $40.4bn.
Ndubuisi Francis in Abuja and Obinna Chima in Lagos.
Nigeria’s external reserves have risen to $40.4 billion, the Central Bank of Nigeria (CBN) revealed Monday, making it the first time in exactly four years since the country’s reserves hit the $40 billion mark.
This is just as the CBN injected $210 million into the interbank window of the foreign exchange market.
Figures obtained from the CBN indicated that external reserves reached the $40.4 billion last Friday, indicating an increase of $4.8 billion, compared with $35.6 billion as of December 5, 2017.
CBN Governor, Mr. Godwin Emefiele, towards the end of last month had put the value of the external reserves at $38.2 billion.
Confirming the latest reserves figure, the acting Director in charge of Corporate Communications at the CBN, Isaac Okorafor, attributed the reserves accretion to the Bank’s strategy to effectively manage forex demand by various sectors of the economy.
Citing the CBN policy restricting access to forex from the official forex market by importers of 41 items as the major turning point, Okorafor said the policy had helped to stop the haemorrhaging of the country’s external reserves, which hitherto witnessed heavy depletion due to the huge import bill and other debt obligations.
According to him, the CBN policy had ensured a decline in Nigeria’s import bill from over $5 billion monthly in 2015 to about $1.5 billion in 2017.
He expressed optimism that with the determination of the Bank and the co-operation of the fiscal authorities, the external reserves will continue to grow in the course of 2018.
Emefiele had last November projected that the reserves would grow to $40 billion by the end of 2018. But the target was attained 12 months in advance.
According to Emefiele, the dogged implementation of the foreign exchange restriction on certain items led to a 65 per cent drop in the country’s monthly import bill, from an average of $5.5 billion to $1.9 billion by the first half of 2017.
He also anticipated a return to a low double-digit or high single-digit inflation levels this year.
He, however, cautioned policymakers not to become complacent or over-confident, stressing the need for all hands to remain on deck to improve and sustain the pace of economic recovery.
“For one, our import bill may have fallen but our manufacturing and agriculture sectors still have a long way to go if we must attain self-sufficiency in those sectors.
“We must not be quick to discard the restrictive measures which aided our recovery simply because the metrics have improved,” he said.
He said the central bank would continue to fine-tune its policies and strategies based on its understanding of evolving developments and will be supported by in-house technical analyses and simulations.
Meanwhile, the CBN Monday injected a total of $210 million into the interbank window of the foreign exchange market for requests in the wholesale, Small and Medium Enterprises (SMEs) and Invisibles segments of the market.
A breakdown of the figure indicated that the CBN offered $100 million to the wholesale sector while the small and medium scale enterprises (SMEs) and invisibles windows each received $55 million.
ARTIGOS RELACIONADOS MAIS DO AUTOR.
Boko Haram: 48 Missing School Girls Return as Buhari Dispatches Ministers to Yobe.
Barclays Confirms Teleology as Preferred Bidder of 9mobile.
Fuel Scarcity May Linger as Marketers Issue 14-Day Ultimatum over Unpaid Subsidy Claims.
Whether is 100 billion…of what essence is it to the average Nigerian. The only thing is if there is more, there will be more to steal and if less three will be l.
Those in the know , truly are acquainted with the facts that the economy is in an absolute mess and the nation is stark broke. Never mind all the braggadacio and noise as if we are doing well economically. Before the end of the year the truth will emerge when dollar will be exchanging for n600 or more.
i suggest they share the money…
Somebody should be responsible enough to tell Nigerians about our FOREIGN DEBT STANDINGS as well……. This government can’t fool us any further.
30 Trillion naira.
I have to be honest here that Emefiele’s prescription and prayers have been effective with regards to this. As a commentator observed the mounting debt is worrisome,.We hope however that if borrowed funds are properly utilized, local production of goods is emphasized, buy Nigeria made goods is promoted and supported, and diversification of the economy is prioritized the country will be economically revitalized.
While I share in your optimism, I’m convinced that this administration is not telling the masses the real truth rather, they are feeding us lies. I take this news as one of the government claim of not paying for subsidy rather the NNPC is paying it.
Administration that maintains official exchange rate of 305 naira to a dollar when we all know that dollar value in real market is over 365 naria. What it means that CBN can decide on any figure and reel it as reserve and nobody can question them because of the opaque nature of the current administration.
What should be growing more under this administration is ECA which is supposed to warehouse the differential on income received on oil above the budgeted amount. However, with all the increase on the price of crude oil, that account is not showing any increase.
External reserve increases when the nation exports more than imports. However, based on this administration claim that custom generated huge revenue which is as result of more imports (taxes on imported goods), it means that figures been released by either CBN or Customs does not add up.
If CBN claim that foreign reserve have shoot up is correct, that should have reflected in the crash of naira rather what we get is continuous decrease on naira rate that is accessible to real Nigerians and not cabals.
Thank you for your explanation. we need more people like you on this forum. While our foreign reserves may be rising on paper, our foreign debt has also gone up to the extent that we can not borrow any more.
You have made a valid point with respect to the ECA and I will expect that must increase particularly if the oil price increase is sustained. This does not take away from the fact that there could be some games being played with respect to the ECA.
Yes external reserves increase when exports increase over imports. To achieve this the quantity or value of exports increase or you can reduce the quantity or value of imports. That is what Emuefele has done in this case, by removing certain items from the import list request for official forex.
Generation of increased revenue by customs may not necessarily be from increased imports. It could be from plugging holes in smuggling and a more efficient and effective customs monitoring and collection system.
You are right that the increase in foreign reserve should have had a positive influence on the value of the Naira. I believe it will in the near future as long as the reserves continue to increase.
I am no longer a fan of this administration because I believe their overall performance is dissapointing. However I must give credit to the fact that the drift of the Naira has been arrested and the value has remained stable for sometime.
While I will not begrudge you for your seemily genuine benefit of the doubt you are giving the current administration, the pointers on ground does not corroborate the assumptions of this government.
The 41 items removed from import support list of the current administration does not amount so much that its effect would have recorded what the current administration is saying.
What constitute the bulk of foreign exchange depletion is fuel importation which the current administration is not transparently handling.
The bulk of the country’s foreign exchange comes from crude oil sales, and we all know the current budget benchmark. Hence, if the price of crude is increasing the excess is supposed to reflect in ECA but that is not what the currently is witnessing rather, we are been told by CBN that our foreign reserve is increasing.
What is the amount FDI into the country that is triggering this invincible increase or exports from Nigeria apart from recent crude oil price increase.
You seem to be reading and understanding only part of my comment. I mentioned that I don’t doubt the CBN may be playing games with the ECA. You seemed to ignore that. It could also be some technicality in the ECA policy e. g. period for which increase in oil price must be maintained to be declared as excess crude revenue. I am limited in knowledge of the policy.
There is no doubt that removal of the 41 items has contributed in some manner to the increase in reserves. We must acknowledge that. There is no way you can lie about increase in your reserves because financial institiutions world wide are also monitoring. I get the feeling you may be insinuating that funds which should go to ECA is going into reserves. I say again, possibly. If so and if not illegal, why not.
If you check the trail of my comments, I was one of those that was skeptical when Emefiele talked about defending the Naira. Like I said earlier I have to be fair to state that it has arrested the drift and so far stabilized our Naira.
oil sales went up…so it adds up…
without electricity…there is no vitality…
Good news don’t make a headline or attract comments from the public but good people do. With this development foreign investors will have more confidence in our country and put in their funds to do business with us. This will have a multiplied effect in our economy no doubt about that. God bless Nigeria.
So u are so naive? Completely fooled…my sympathies.
Wonderful news. Increasing external reserve but also with increasing debt and increasing poverty.
What a fantastic government!
Hhahahahahahahahah…..you idiot, your tune has changed now to a new one. No more cbn is foolish in supporting the naira. No more let the market run itself and save your reserves. Idiot like you was accusing cbn of wasting our reserves supporting the naira. Now you’re saddened by the buildup of the same reserve. You see how hatred has made you senile.
You have exposed yourself as brainless. You cannot even read and understand the two sentences of my comment? I am being cynical here, you moron. So you really believe I meant that the government is really fantastic, with increasing debt and increasing poverty? Please go back to school, dunce.
Cbn forex restriction list
One Supplementary Card.
If you have a complaint, contact your branch or call our contact center on +2348039003700 or email purpleconnect@wemabank.
Just call +2348039003700, or drop into your request in any of Wema Bank’s nearest branch.
Yes, you can rollover only your principal or with the interest.
Term deposits are not exempted from tax and Interest on Term Deposits is subject to Withholding Tax of 10%
The investment would be rolled over at the prevailing market rate.
The Interest Rates on term deposit of the bank is subject to change from time to time and the same is provided on the website of the Bank and also available at every branch.
By checking on ATM.
If you think you are going to fall behind with your payments, the first step is to stop using your credit card and ask any additional cardholder to do the same. You should also advise the Bank as soon as possible so that it is aware of your situation and can advise you of your options and, if necessary, a payment plan. The next step is to establish a payment plan budget to pay off your debt. You will need to review your original budget and cut back on non-essential items.
If you believe there is an unauthorized transaction shown on your account, call +2348039003700 or email purpleconnect@wemabank or go to a branch with a copy of your statement, and details of the transaction. Our representatives will commence a Dispute Investigation, please note this process may take some time; i. e. up to several weeks to resolve as it may be necessary to retrieve information or copy of a voucher from another bank through Visa.
All Wema Bank Visa Credit Card includes a security feature known as a Card Verification Value (CVV). It is printed at the back of your card close to the white signature strip. When you are making a purchase by mail order, online or over the phone you may be asked to quote the printed code in order to verify the card is in your possession.
You can make payments in several ways:
• Wema online Banking, Wema Mobile: Using Online banking, transfer desired repayment amount which must be equivalent to the10% minimum repayment advised on your statement to your credit card account.
• Direct Credit across the counter in Branch: You complete a deposit slip with the card account number and desired repayment amount (either Cash or cheque).
Interest is charged only on utilized amount and not on total Credit limit. There is also an interest free period of up to 45 days. 2% interest (flat) is calculated on the unpaid balance.
Upon approval of an application, a credit limit is determined based on measures such as income, current levels of debt and capacity to repay. While the total balance of spend does not need to be paid off entirely each month, a minimum payment of 10% is required and interest will be charged on the outstanding balance.
The least amount you must pay by the due date is the “minimum payment”, found on your monthly statement. This amount is usually 10% of the total utilized amount plus all fees and interest.
If you notice an unknown or unauthorized transaction on your account call us immediately on+2348039003700 or email purpleconnect@wemabank.
To apply you must be 18 years of age or older, have a salary account in Wema Bank with a minimum net income of One million Naira (1,000,000 NGN per anum) and be able to make regular repayments.
You can apply by visiting the branch closest to you to complete an application form.
To activate your Wema Bank Credit Card you must ll our contact center on +2348039003700 in person and answer some verification/secret questions. Once activation has been confirmed, visit the nearest Wema Bank ATM to change your default PIN thus:
Insert your card and input the default PIN, Select the option ‘PINCHANGE’ and then choose ‘ATM PIN’. You Enter a new four digit PIN (different from the earlier one entered) and re-enter same for Confirmation you wait for the ATM to display or print “PIN CHANGE SUCCESSFUL”
If you are eligible for a credit card upon completion and submission of your application and your new Visa credit card will be delivered to you within 10 working days from the date all the necessary information is received.
Yes you can sell T-Bills before maturity through the OTC market based on the forces of demand and supply. For example a N100,000.00 face value TB maybe selling for less or more depending on the yield expectation of the buyers. If your face value is trading at a higher price, it means you can sell your treasury bills at a profit as such your N100,000.00 can sell for N101,000.00 or more. If your face value is trading at a lower price, it means you can sell your treasury bills at a loss as such your N100,000.00 can sell for N99,000.00 or less. Please note that the above analogy goes for the standard volume of N250million. However, some banks may buy off the lower amounts from their customers.
The CBN does not rollover your investment automatically. However, you can give your bank a mandate to rollover the principal and interest on your T-Bills upon maturity. Reinvesting the income on TB’s provides the unique benefits of compounding interest.
True Yield is your actual return on investment. Using the example above, the initial yield for the N100,000.00 is 10 per cent. However, because they pay you interest upfront, your true yield is actually the N10,000.00 in interest divided by the N90,000.00 actually deducted from your account. That is N10,000.00/N90,000.00 0r 11.11 per cent. This is thus higher than the 10 per cent at which you won. The true yield is completely earned when you hold to maturity.
The interest element of T-Bills is paid to you upfront and credited to your bank account. For example, if you purchase a N100,000.00 T-Bills with an interest rate of 10 per cent, your account is debited with N90,000.00. As such, your N10,000.00 interest is paid up front. Upon maturity, you are paid the full/ “face value” N100,000.00. The upfront payment of your interest makes your true yield actually higher.
You can purchase T-Bills from the secondary market Over the Counter through your bank or a broker. This is also where buyers and sellers of T-Bills trade the notes in exchange for cash. The minimum volume you can purchase from the secondary market is N250million or as advised by the regulatory bodies.
Some of the benefits include:
? Income from T-Bills are also tax free.
? A good source of steady stream of income.
? T-Bills are good investments for people who wish to save.
? T-Bills are considered liquid and can be converted to cash quickly.
? They can be used as collateral for cash backed loans in some banks.
The stop rate refers to the maximum interest rate preferred/issued by the CBN out of all the bids submitted within a bid window. It then means that all the bid rates that fall from and below the accepted marginal rates (stop rate) will win and those above rejected.
The Bid rate is the interest rate that you are willing to receive for the principal that you are investing in the T-Bills. For example you can indicate a bid rate of 10 per cent as your expected interest rate and hope that it is selected, as it will most likely be different from that of other intending buyers.
To buy T-Bills you will have to approach your bank with a request letter or to fill a form. Either way, you indicate the amount you want to buy as well as your bid rate. If you are not sure of a rate, you can choose that advised by your bank.
T-Bills is sold every other Wednesday (bi-weekly) as announced by the CBN. The CBN announces issuances in their websites and in the pages of the newspaper. You can also ask your bank account officer to notify you ahead of an issuance.
You can buy for as low as N1, 000 and in multiples of N1,000 thereafter. However, banks typically accept minimum purchases of N100,000 or more.
T-Bills are one of the safest forms of investment and are backed by the full faith and credit of the Federal Government of Nigeria.
Tenors are usually for 91days, 182days and 364 days. Therefore, if you invest for say 91days, your investment will mature after three months etc.
T-Bills are government guaranteed debt instruments issued by the Central Bank of Nigeria to control money supply in the economy.
T-Bills can be bought through any official dealer. The easiest will be through your bank.
Invisibles Remittances relate to payment for services (intangible transactions) such as School fees, Technical fees, Dividends, Airline Tickets, Loans repayment, Judgment debt, Personal Home Remittance, etc. Payment is by either SWIFT or by Foreign Drafts. However, for Travel allowances, payment is by Traveler’s cheque or Cash. Each payment type has its specific document requirement as stipulated in the Central Bank of Nigeria FX Manual.
This involves processing of Online Form M and shipping documents for Pre Arrival Assessment Report to enable the importer clear consignment on arrival at the ports. The bank does not facilitate the payment on this mode of importation.
A documentary Bill for Collection is an order by the seller to his bank to collect a certain sum from the buyer against the transfer of the shipping documents. Payment can be made by cash or by acceptance of a Bill of Exchange. This means the handling by banks of documents in accordance with instructions received in order to obtain payment and/or acceptance, or deliver documents against payment and/or against acceptance, or deliver documents on other terms and conditions. Against Acceptance of Bill of Exchange or Promissory Note or Letter of Undertaking to make Payment This involves the release of the shipping document to the buyer based on the release condition stated on the Collection Order. Release Free Of Paymentimplies that the shipping document be delivered to the buyer without extracting any commitment to make payment. Documents Against Payment implies that the buyer makes payment before documents are released for clearing the imports. Though internationally recognized, this does not apply in Nigeria as the Central Bank of Nigeria guidelines state that the imported items must be cleared from the port before payment can be made to the supplier. The documents required for Bills for Collection Remittance.
One set of documents from the supplier to the issuing bank(Zenith Bank). Two sets of documents submitted to overseas bank for payment (the document will later be forwarded to the bank) The documents required for processing of Risk Assessment Report (RAR) Processed Form M Bill History Bill of lading/Airway Bill/ Way Bill Original Combined Certificate of Value and Origin (CCVO) Manufacturers Certificate/ Certificate of Analysis/Photosanitary Certificate Customs clearing document (Exchange Control Document) a.) Single Goods Declaration b.) Used RAR c.) Payment schedule d.) Terminal Delivery Order/Gate Pass e.) Duty receipt Authority letter from Customer to buy foreign exchange in line with the company’s signature mandate.
Export transaction is the sales of goods by our customers to buyers outside the shores of Nigeria. Exports of goods may be ‘Commercial’ whereby payments are received in foreign currency as proceeds of sale, or ‘Non-commercial’ whereby no payment is expected or received. The internationally accepted means of payment for commercial exports are Letters of Credit, Bill for Collection and Payment In Advance. Commercial export amount can be FOB (Free on Board) whereby total value of goods does not include freight, or C&F (Cost and Freight) where total value of goods include freight. The exporter will process the Form NXP, forward shipping documents and inflow the Export Proceeds through the bank. Processing of commercial export is through Letter of Credit, Bills for Collection, and Advance payment. We negotiate Export documents, process export levy, draft and certify export proceeds repatriation to the CBN on behalf of our customers.
The report on FGN bonds issued for settlement of pension arrears and local contractors are provided as Special FGN Bonds in the ‘Schedule of FGN Bonds Issued to Date’ (Bond Auction, Operations and Result)
It is a term which describes a shift from issuance of physical certificate to an electronic form. It involves the use of a depository, in this case, the Central Securities Clearing Systems Ltd(CSCS) which provides the platform for the securities. Although DMO still issues physical certificates on request, modern securities trading system de-emphasizes the use of physical certificates. Advancement in electronic communication and custodian services allow book-entry records and trade verification which has made trading more reliable and easier to manage than the use of physical certificates.
It fosters economic development by promoting the use of lon-term funds for lon-term investment in the economy It serves as an efficient way of mobilizing domestic financial resources for productive investment in a non-inflationary manner It allows self reliance of the country by reducing over reliance on short-term borrowing form CBN & commercial banks It provides a basic infrastructure for the development of the financial system and the overall economy It serves as a diversified portfolio investment outlet to corporate and individual investors.
Any time you lend money you run the risk that it will not be paid back – credit risk. Another source of risk for certain bonds (bond with call option) is that your loan may be paid back early, or ‘called’ this is known as prepayment risk. When you buy a bond, the prospectus will indicate whether a bond is callable and give you a ‘yield-to-call’ figure. The greatest danger for a buy – and-hold bond to an investor is rising inflation rate – inflation risk. A rise in inflation makes prices fall and yields-or interest rates-rise. However, inflation risk, credit risk and prepayment risk are all figured into the pricing of bonds. The more the risk the higher the yield. Investors demand higher yields for longer maturities, as the longer you tie your money up in a bond the more at-risk.
Corporate bond are debt obligation issued by private or public corporations. The corporations use the funds for building facilities, purchase of equipment to expand the business, etc. When you purchase corporate bond, the corporation promises to return your money, or principal at maturity date, but you are being paid interest semi – annually. The interests you receive are taxable. Corporate bonds do not give you an ownership interest in the issuing corporation.
These are bonds that help support project relevant to public policies, such as helping certain groups, such as farmers, homeowners, students, etc to raise money for financing specific projects. These bonds do not carry the full-faith and-credit of government. The investors are likely to hold them in high regard because they have been issued by a government agency.
A Letter of Credit (LC) is an undertaking by a bank, on behalf of an importer (the applicant) to the beneficiary to make payment, provided that the exporter complies with all the terms and conditions stipulated by the credit. Letters of credit can be confirmed or unconfirmed and are irrevocable upon Issuance. Payment is made at Sight, Deferred Payment, and Mixed payment or by Acceptance. Cash Backed LC involves the applicant providing funds for the opening of the LC. Unconfirmed Sight and Deferred LC involve payment at a later date upon presentation of compliant shipping documents. Confirmation Line and Usance LC involve opening a Confirmed LC using the bank’s offshore facility which will be repaid by the customer at maturity. Requirements for Letters of Credit.
One set of documents from the supplier to the issuing bank(Zenith Bank). Two sets of documents submitted to overseas bank for payment (the document will later be forwarded to the bank) The documents required for processing of Risk Assessment Report (RAR) Copy of Form M Transport Document Commercial Invoice/Final Invoice Packing List Standard combined Certificate of value and Origin (CCVO) (Form C16) Manufacturer Certificate/Certificate of analysis/Photosanitary Certificate NB: All Shipping documents must be issued after Form M approval date and Letters Credit issuing date. That is shipping Document must not predate Form M and Letter of Credit.
Application forms can be obtained from any of the authorized dealers(PDMMs), or download from the DMO’s website Complete the application forms and submit through any of the PDMMs Common - price auction system is normally employed as opposed to multiple price auctions Payments for the allotment are payable in full on application Minimum of N10,000.00 and multiple of N1,000 thereafter Investors can also access the FGN bonds after the auction through the secondary market FGN bonds purchase is confirmed by registration in the depository (CSCS) or by issue of certificates Interest is paid semi-annually until the maturity date when the principal amount is repaid 9. Payment of interest is through issue of interest warrant (cheque) or direct transfer to current or savings bank accounts.
National Dailies DMO Website – FGN bond Issuance Calendar.
It helps government funds its deficits in a non-inflationary manner It provides benchmark yield-curve for pricing other securities/bonds It engenders rational management of Government’s fiscal and monetary operations It provides the basic infrastructure for the development of the financial system and the overall economy It strengthens the implementation of monetary policy by the Central Bank of Nigeria It introduces transparency, discipline and stability in the financial system.
When you purchase state and local government council bonds you are lending to the issuers who promise to pay you a specified amount of interest (usually semi – annually) and return the principal to you on a specific maturity date. State and local government bonds are debt obligation issued by the state government, local government councils and other governmental entities to raise money to build schools, roads, hospitals as well as other projects for public good.
It serves as risk-free investment It is income is tax exempt It provides relatively high and stable returns The principal element ( collected at maturity) can be used as collateral for securing credit facilities from banks Bondholders that want cash can trade the bonds on the floor of Nigeria Stock Exchange(NSE) for immediate cash before maturity It qualifies as liquid assets for banks from two years to maturity.
Retirement Starting or expanding a business Settlement after apprenticeship Pay children school fees in future(e. g for University education) Building a house Future projects by town unions, associations, student union To fund future social events such as Marriages and weddings, etc Settlement of pension insurance obligation( for Corporate Fund Managers), etc.
When you buy FGN bonds you are lending funds to the federal government for a specified period of time. The FGN bond is considered as the safest of all the investments because it is backed by the ‘full faith and credit’ of the government. They have no default risk, meaning that it is virtually certain your interest and principal will be paid as and when due. The income you earn is exempted from state and local taxes.
A bond is a loan and the investor or holder of the bond is the lender. When you purchase a bond, you are lending money to a government, local government council, state government, federal agency or a corporation, known as the issuer. The government uses it to fund budget deficit, for instance, or to build roads, electric power stations, finance factories, etc. When you purchase a bond, in return the issuer promises to pay you a specified rate of interest during the life of the bond and to repay the face value of the bond (the principal) when it ‘matures’
The key difference between stocks and bond is that stocks make no promise about dividends or returns, but when the Government Issue a bond, it guarantees to pay back your principal (the face value) plus interest. If you buy the bond and hold it to maturity, you know exactly how much you are going to get back. That is why bonds are also known as ‘fixed-income’ investment – you are sure of a steady payback or yearly income. The buyer of stocks or shares in a company has purchased part of the equity and becomes part – owner. He is only entitled to dividend declared by the company when it makes profit.
Your relationship manager would contact you before maturity to agree on whether to terminate the deposit or to rollover, an advice to this effect would be sent to you.
Yes, you deposit can serve as collateral for bank loans.
No, you need not go through any formalities. You just have to send a dully signed letter.
The minimum amount is N100,000 and there is no maximum amount.
The minimum tenor for fixed deposit investment is 30 days, other tenors are in multiples of 30 such as 60, 90, 180, etc. However, should the maturity date fall during the weekend or holiday, 1 or 2 days can be added to the tenor.
Yes you can give a standing instruction on your account and it would be carried out, this can only be countered by a duly endorsed instruction from you.
You would be charged 25% on the accrued interest.
Fixed deposit Account opening Form/ Letter of Instruction Two (2) recent identical passport photographs for each of the signatories Memorandum and Article of Association Valid proof of identification (International passport, National ID card, Voters card or a Driver’s License Proof of address (A recent utility bill, dated within the past three months)
If you already had a current or savings account you will only require to write a letter instructing the bank to create an account on your behalf If you did not have an account with the bank you would be required to provide the following Fixed deposit Account opening Form/ Letter of Instruction Valid proof of identification (International passport, National ID card, Voters card or a Driver’s License) Proof of address (A recent utility bill, dated within the past three months) Duly executed Signature mandate 2 Recent identical passport photographs.
Family member of the Proprietor of the business (Spouse or child or identifiable sibling who share the same name with the Proprietor), Pastor or Imam of an established religious body, Head of the Trade Union, Head of the Market Association and A person of good standing in society eg a lawyer, doctor or civil servant.
Duly executed personal guarantee, notarized statement of net-worth, 2 passport photograph, means of identification and undated, signed cheque leaflet.
You can present a guarantor or guarantee of registered trade association or union or any other form of security available and approved for this product. You do not need a guarantor, if you secure the loan with deposit in your other accounts like savings or fixed deposit or can provide C of O of landed property/lock up shop.
Yes, however, you will need to open a current/MyBusiness Account for disbursement and repayment purposes.
You can use more than one statement of accounts, provided they are in the same name.
Between 3 – 12 months.
will be charged 1% penal charge of the unpaid installment from the date of default.
This is deduced from the business cycle of the customer as expressed in purchase and sales turnover over time.
Sim. Other fees include; Management fee 1%, Commitment fee 1% and Insurance fee 1% on the loan amount; payable only once.
Answer: The rate of interest is based on perceived risk associated with each customer which can either be low or high. It is 2.75%flat per month for low risk customer and 3.25%flat per month for high risk customer. The level of risk is determined by thecustomers’ rating score on the evaluator.
This is a list of assets and liabilities of the guarantor. To make it formal, a notary public will need to authenticate it.
Once you have duly accepted the offer, you will need to get a guarantor that will provide a statement of net worth and undated cheque to cover the value of the loan taken.
Your Relationship Manager will call or bring the offer letter to you for acceptance or rejection when it is ready. This is should be done within 48 hours of submitting your application and required documents.
For individual: Duly filled cash flow loan application form, valid & acceptable means of identification. In addition to the aforementioned; all registered companies must also support their applications with copy of certificate of incorporation/Certificate of registration and Form C07 Your Relationship Manager will fill KYC form for both business premises and residential address and duly filled business loan questionnaire.
Yes, you can enjoy the loan provided you have not defaulted of loan repayment and your cash flow can still accommodate additional periodic repayment.
You can use the statement of accounts from your other banks to support your first application. For renewal of the loan, only credit transactions in Wema bank will be considered. Hence, it is advisable that you move your transactions to Wema bank.
Since you already have an account you can access the loan. However, you will need to reactivate your account first and include 6 months statement of account from your other bank before you can be eligible for the loan. Kindly visit your branch for reactivation process.
Yes you can but you need to open an account with the bank and run it for a minimum of 3 months to enable the bank know the pattern of your business before you can qualify.
Amount obtainable is tied to 80% of average credit turnover of the customer in the last six months subject to a maximum of N1,000,000.00.
At least 12 months; within which he/she may have experienced a full year circle of the line of business.
Amount obtainable is tied to 80% of average credit turnover of the customer in the last six months subject to a minimum of N100,000.00.
No. The ExpressCredit loan ismainly for indigenous businesses/business owners operating within Nigeria.
Any business deemed unfit by Wema Bank management Businesses engaged in pyramid sale distribution plans, where a participant’s primary incentive is based on the sales made by an ever-increasing number of participants Businesses deriving its revenue from gambling activities Businesses engaged in any illegal activity Loan packagers Businesses deriving its revenue from the sale of products or services of an indecent sexual nature Businesses primarily engaged in political or lobbying activities Speculative businesses Any business deemed unfit by Wema Bank management.
ExpressCredit as presently designed is for businesses that generate cash inflow on a regular short cycle and can repay on a weekly, fortnightly or monthly basis. Since school’s income is per school terms, it cannot repay within a short cycle, hence schools cannot enjoy this facility as at now.
Most Micro and Small Enterprises sphere (see list below) are eligible as long as its cash flow can accommodate the amount being requested for and it’s appropriately rated on the Evaluator.
Convenience stores Bakery/Delicatessen Hair dressers Tradesmen/ women Law firms Accounting firms Guest houses (duly registered with the Nigerian Tourism Development Corporation NTDC and/or Lagos State Hotel Licensing Authority) Small Hotels (duly registered with the Nigerian Tourism Development Corporation NTDC and/or Lagos State Hotel Licensing Authority) Small scale manufacturing Web designing & programming Any legitimate business deemed fit Wema Bank management.
This loan is available to Micro and Small business concerns as well as individual business owner who trades in their personal names. Their business may not necessarily be registered with the CAC.
Please note that this loan is geared at supporting the above-stated category of customers to grow their businesses. It is for existing and growing businesses and not appropriate for businesses experiencing difficulties or in need of financing to kick start (start-up) activities.
Not more than 15 working days subject to the organization’s speed-to-implement.
Highly competitive implementation fee ? 1.25% per transaction (up to N2,000 cap)
? Manufacturing Companies ? Airlines and other Transport players ? Hotels ? Supermarkets ? SMEs ? Educational institutions ? NGOs/ Churches.
Wema Webpay Solution otherwise known as CIPG (Consolidated internet payment gateway) is web-basedsolution that is integrated into the merchant’s website and this enables cardholders to pay for services using their MasterCard, VISA card, Verve card and eTranzact cards. The solution is based on online web-payment technology, which enables people to pay online real-time from any part of the world.
While we operate a flexible fee structure, our charges on this product are based on the scope of the project. It is treated on organization by organization bases.
Customizable to meet specific organizational needs Provision of specific online robust reporting tools based It provides more details about thepayer i. e who paid? What did he/she pay for? Integration of multiple collection channels Ability to integrate seamlessly with organization’s existing platform to provide for real-time payment Cost efficient compared to bank drafts Generate receipts for the customers.
Every Organization that requires customization ofcollections which include but not limited to the following:-
MDAs (at all level) for IGR collection Institutions of learning / professional bodies Manufacturing sector Aviation and Transport Cable TV operators for bills payment Telecommunication sector.
WemaCollect is Wema Bank’s cutting edge solution that can be customizedto meet our customer’s specific collection needs. The solution is a real-time, robust and highly secured electronic collection solution that enablesorganizations receive payments from her esteemed subscribers in all ourbranches/all bank branches while you monitor payment online real-time atthe comfort of your office. Required parameters are customized to meetorganizational information needs and can be interfaced to work with.
• Transaction float • Portal access fee • Transaction income.
This is highly dependent on the population of the school and also the scope of the project. The pricing is highly negotiable.
Sim. The school can opt for the only the fees payment module and do the portal solution later.
? Endorsed mandate letter ? Computer ? Internet access.
? Primary School ? Secondary Schools ? Colleges of Education ? Polytechnics ? Universities.
Wema Online School Management Solution is a highly personalized web-based solution that captures the entire schools’ process and makes all operationsaccessible via the web, thus allowing schools to effectively serve all stakeholders – students, teachers, administrators, and parents. The solution is based on portal technology, which enables the greatest possible customization and personalization.
e-BillsPay platform are pre-payments and post-payments for goods and services such as • Utility bills (water rate, electricity bills, telephone bills, etc.), • purchases, • Revenue collections, • other fees e. g. school fees, subscriptions, levies, premiums etc.
It is dependent on the scope and fee sharing income agreed with the merchant during setup.
A biller or merchant is the organization profiled on e-Bills Pay by NIBSS to receive payments for services rendered to individual customers.
•Cash •From account.
Two delivery channels have been adopted by Wema bank for initiating e-BillsPay transactions. uma. Branch Teller b. Internet banking.
Yes you can, as long as you have sufficient balance to accommodate the cost.
This account does not have a mandatory minimum opening balance. If you have funds to open the account with, it will be accepted, if not, account will be opened all the same. But note that this account must be funded within 2 weeks.
Sim. Once you reach the N200,000 limit you will need to produce appropriate documents to accommodate your upgrade into Moment or the Standard Savings Account.
No. If there is a need to deposit more than N20,000 you will need to fill multiple deposit slips in order to accommodate that amount.
Sim. There is maximum savings threshold of N200,000 applicable on this account. That means the maximum balance you can have in this account at any point in time is N200, 000. Also there is a single deposit limit of N20,000. That means the highest amount you can deposit at once in this account is N20,000. There is also restriction on electronic transactions. The highest amount you can spend through electronic channels like ATM/Mobile Devices is N3,000 at once and a cumulative daily limit of N30,000 per day.
Generally the unbanked population e. g. Traders, Farmers, Labourersetc.
Easy Life Account is meant for anybody who has previously been excluded from banking services due to their inability to provide account opening documents.
No. Wema Bank branches are online real time and you can have access to your account in any of our branches nationwide, at no cost. You can also transact banking business on any ATM machines across the country and do online banking on your account.
No. Lending is generally not allowed on Savings Accounts. You would need a Current Account or Salary Savings Account to access Personal Loan from the bank.
Your account would be converted to a Personal Savings account. With the personal savings account, there are no limits to how much you can save or withdraw.
If a customer has need to deposit more than the savings limit permitted on Moment Account, the customer would be required to provide a valid means of identification, which could be either of the following: voter’s card, driver’s license, international passport or a national ID.
A customer can withdrawal higher than the ATM limit by entering into any Wema Bank Branch to carry out their transaction.
No. There is no monthly maintenance charge for operating the Moment account. Opening and operating this account is free. The only deduction you could see in your Moment account is the mandatory Federal Government tax on interest payment which is a 10% withholding tax and 5% VAT that are deductible from the interest amount paid to you. These deductions are remitted to the relevant government agency.
Interest rate on Moment Account is the same as that of a Personal Savings Account – 3.6% – 4.5% per annum depending on volume.
Sim. Interest is paid on Moment account. The interest is calculated on daily basis but it is paid at the end of each month and credited directly into your account.
One of our Relationship Managers would visit your residence and sign a visitation report. This report would be attached to your account opening document for your account to be opened. This visitation report is for us to confirm that indeed you reside in the address/operate from the shop stated on your account opening form.
All you require is anyidentification document. Even a letter from your Pastor or Imam, withyour picture endorsed by the introducer, can serve as ID Card. You also need to provide twopassport photographs and a proof of address which could be a copy of your utility bill(PHCN, Water or Waste Management receipt)or shop receipt for shop owners.
Moment Account is a savings account that can be opened by anybody that had previously been excluded from banking services by their inability to provide a satisfactory ID card and proof of address documents.
MyBusiness Account can be opened in any Wema Bank branch in Nigeria.
Sim. MyBusiness account customers who are sole signatories to their account can request for a debit card from the bank.
For now, no. The product is for registered businesses and cannot be opened by individuals who want this kind of charging system on their current account or individuals who run account in their personal names. The bank has however identified that a large segment of the MSME market run businesses in their personal names and we are working towards accommodating them on the product. However, for now, individuals can be accommodated on products like Wema Treasure Account – Individual or Prestige Current Account – Individual.
For instance, in a Bronze variant, for a turnover of N5m, a customer would be required to pay N10, 000 as COT charges on a Corporate Current Account, this same customer would only need to pay N2, 000 in a month on MyBusiness account. There is therefore a saving of N8, 000in a single month.
It is better because it is cheaper for the customer: • A fixed monthly charge is applicable on debit turnover within the variant band • Where debit turnover exceeds the variant limit, reduced COT rate is payable on the excess amount only. • It makes planning easier since customer’s monthly transaction charge is known • Because of reduction in bank charges, the business profit is increased. • There is easy access to Business Booster loan with less stress on collateral.
No. An overdraft line is not allowed on MyBusiness Account because of the minimum balance requirement of the product. If the customer’s account is drawn below minimum balance, COT at N2/mille would be charged on all transactions for the month.
There is no time limit or expected duration for a customer to remain on one variant of MyBusiness Account. There is also no restriction on the number of times the customer can migrate between variants.
The customer can be charged COT on all transactions for the month if at a time prior to the time of switching to a higher variant, account balance was less than the minimum specified. Migration to a new variant is therefore advisably done at the beginning of a new month so that end of day balances throughout that month is equal to the minimum balance required on the new variant switched to.
Yes, this is allowed, preferably at the beginning of a new month. Customers can also migrate from other account types to MyBusiness account provided all documentation is complete. However, an approval is required to migrate from Corporate Current Account to MyBusiness Account.
Yes, charges apply to MyBusiness account monthly irrespective of activity on the account in a month.
Customers require the same documentation needed for a normal business current account with the minimum opening balance applicable to each of the variant. Also customers have to complete the MyBusiness Account Agreement Form indicating the desire and consent to run the business account under its special tariff system. (This form can be found on the Wema Bank Website and Intranet).
myBusiness Account is a current account and does not attract interest payment on balances.
This is because the customer has contravened the minimum balance covenant and the penalty applicable is a COT charge on all debit transactions for the month.
Wema Bank would charge COT at a concessionary rate of N1/mille below the CBN approved COT of N2/mille resulting in a charge of N1/mille on ALL debit transactions for the month.
Sim. The appropriate variant for this level of turnover would be the MyBusiness Account – Gold. With the Gold, the business account would be charged just N7, 500 in a month. During months in which the debit turnover overshoots the threshold, the account would be charged N1/mille for only the excess over the limit.
Wema Bank would charge COT at a concessionary rate of N1/mille below the CBN approved COT of N2/mille resulting in a charge of N1/mille. This charge applies to the EXCESS above the debit turnover threshold of each category.
Sim. MyBusiness Account prospects need to make funds available in their account for the cost of debit card, cheque book and Search Report (a requirement for account opening) in order not to have their account thrown below minimum balance when these charges are taken from the account. Kindly note that there are consequences for having a balance below the minimum balance specified.
No. The turnover limit is applicable to only withdrawals or debit and not deposits/lodgments.
Yes, in Wema Bank, we understand that small businesses operate on a thin trade margin, hence we have fashioned MyBusiness Account to ensure that margin is not eroded by bank charges in form of COT. With MyBusiness Account, there is no COT charge; a customer is just expected to pay a little fee for transactions done on the business account in a month.
Product Name Minimum Opening Balance Minimum Operating Balance Monthly Turnover Limit Monthly Flat Charge MYBUSINESS ACCOUNT - BRONZE N10,000 N10,000 N5m N2,000 MYBUSINESS ACCOUNT - SILVER N25,000 N25,000 N10m N5,000 MYBUSINESS ACCOUNT - GOLD N100,000 N100,000 N40M N7,500.
You can know the suitable variant by the volume of monthly withdrawals from your MyBusiness account. If total withdrawal in a month from your account is usually less than or equal to N5m, then Bronze is for you. If total withdrawal is within N5m and not more than N10m, then Silver is for you. If total withdrawal is usually over N10m but not more than N40m, then Gold would be for you.
Wema Bank recognizes that the nature and size of various businesses differ; hence room was created for every business to operate at their own levels. However, Companies can upgrade once the business experiences growth.
The three (3) variants of MyBusiness Account are: MyBusiness Account (Bronze) MyBusiness Account (Silver) MyBusiness Account (Gold)
Sim. MyBusiness Account was created specifically for micro, small and medium scale businesses. The product has three variants from which any business can choose, depending on the level of turnover done by the business in a month.
No. Debit turnover is not restricted. Customers can withdraw as many times as they want.
COT is the acronym for Commission on Turnover. For every debit turnover transaction on the account, the bank charges COT.
There is a charge of N2/mille on this account. This means, for every N1,000 withdrawn the bank charges onlyN2.
Because it is a transactional account, you can withdraw and deposit money as many times as you want. If interest payment is required, it is advised that you open any of theWema Bank Savings accounts or PCA.
Nada. You can withdraw to the last kobo on your current account provided there is no accrued COT charges.
This is a flexible account that enables customers conduct day-to-day personal or third-party transactions through the issuance or lodgment of a cheque.
No. The COT concession has been maintained automatically on our system, such that any transaction that reduces the balance in the account below the minimum balance or outdoes the monthly turnover will automatically attract COT of N5/mille.
No. You can draw on this account as many times as possible, as long as the debit turnover limit of N20million is not reached in a month and withdrawal does not take the account below minimum balance.
PCA individuals who require a personal loan would be required to open the Wema Bank current account. However, funds in this account can be used to pay monthly rentals on personal loans and Wema Asset Acquisition Scheme.
Yes, a draft can be drawn on PCA and the charges for issuance of a draft/managers cheque would apply.
Apart from the zero COT charge and interest payment on balances, PCA customers also get their first cheque book issued free, and they have access to Wema Bank variouselectronic banking channels.
The customer can draw below the specified minimum balance but COT charge would then apply on all the transactions done in that month.
PCA non-individuals is targeted at small businesses, associations, Clubs, etc. It has a minimum opening and operating balance of N500, 000. They are exempted from COT charges and interest is paid on their balance as well.
Individuals must leave N100,000 in the account at every point in time while non-individuals must leave N500,000 in the account to enjoy the benefits attached to the product.
Individuals require N100,000 while non-individuals need N500,000.
Wema Bank would charge COT at N2/mille for excessdebit transactions above N20mdone in that month.
Debit turnover is the volume of money that you withdraw from your account. In this case, Prestige Current Account will not charge any COT on the first N20m withdrawals per month.
Sim! Zero COT; no charge at all, as long as your monthly debit turnover is within N20million in a month.
Prestige Current account is the product for you. There are two variants of PCA, namely PCA Individuals and PCA Non-individuals. You can open the PCA individual and run your account at zero COT.
No. it is available strictly on request by the parents that may allow their kids make small purchases on their own thereby introducing the kids to electronic banking.
It is an electronic card that is not linked to the account, but can be loaded with funds at any Wema Bank Branch. Funds can be loaded on the card by cash or from the parents accounts in Wema Bank. Your kid can use the E-Purse to make small purchases at POS locations.
No. The balance is your child’s account does not in any way reduce. It would rather increase from interest paid on monthly basis.
Yes, a minimum operating balance of N500is required in the account at every point in time.
Nada. Migration to another account class require the authorization of the account holder.
The parent would have the option to migrate the account to Purple Account, the Wema Bank product for young adults or wait till the child is 18 and then hand over the account management to the child.
The insurance company has the responsibility of verifying every claim.
A child would get the claim of ten times the account balance after the bank has been notified of the accidental death or permanent disability of the administrator. The bank would notify the insurer and after due diligence has been done and claim verified to be true, the child’s account would be credited with insurance pay out.
No. The insurance claim is only accessible if the parent/administrator dies by accident or is permanently disabled and unable to continue to carry out his/her responsibilities as a result of accident.
No. The maximum claim limit from the insurance benefit on this account is N10million. The highest claim any account holder can get in the event of accidental death or permanent disability is N10million.
The child would get N500,000, which is ten times the account balance.
As a parent, this account would give you the full assurance of the continuity of your child’s education in the event of accidental death or permanent disability. This is because this account comes with an insurance benefit on the parent/administrator. In the event of accidental death or permanent disability, the child gets ten times the balance in this account.
Every child who opens this account is given a welcome gift pack. Apart from that, every account holder qualifies to win the Annual Wema Educational award. There is also no cost for draft issuance to pay school fees.
Yes, a new alternate administrator can be appointed by notifying the bank in writing and stating the reason for the desired change and the name and details of the new alternate administrator.
Royal Kiddies Account would be right for her. It is a high interest yielding savings account designed especially for children./p>
Nada. Migration to another account class require the authorization of the account holder. However benefits described on the products for young adults aged between 13 and 24 years would not apply. The account begins to operate as a personal savings account from then on.
The account holder have the option to migrate the account to any preferred Wema Bank product. This would be done on request. Outstanding documentation (if any) would be provided.
Yes, a draft can be issued and no charge will apply for this service, if the draft is for the payment of the school fees. Other purposes will attract normal draft/manager’s cheque issuance fee.
Sim. Interest is paid monthly at a rate of 1% above the normal savings interest rate.
Periodically, account holders would have the opportunity to benefit from incentive packages based on account balances/deposit build-up.
It is different because it is specially designed for young adults, interest payment on it is higher than that of normal savings and special benefits specifically targeted at young adults are available on this product.
Purple account is a savings account designed to encourage a savings habit among the young adults. You can have your parent send money to your account while you are in school for upkeep.
No. This account is designed for all young adults and is to be opened and run by them solely. Your parents can always deposit into the account for your usage.
Sim. This product is specially designed for you. Students of higher secondary schools, tertiary institutions and fresh graduates are eligible to have this account.
Purple Account is Wema Bank product for the teenagers and young adults, aged between 13 to 24 years.
Smart Save can be opened at any branch of Wema Bank.
No. Target savings can be transferred using e-channels and/or standing order instructions.
Account balance would be transferred to the nominated account provided by the customer at account opening stage. Where there is no such account, funds will be made available to the customer in cash or any other form of financial instrument acceptable to the customer upon written request.
The customer’s account would be closed in order to make that amount available to the customer for withdrawal. A new account number would be generated and the balance would be deposited as a new account opening balance; normal deposit or top-up deposit as the case may be may then continue.
The account would be closed in order for the total balance and accrued interest to be made available to the customer.
Sim você pode. The extra on the specified periodic savings amount will be treated as a top-up deposit.
This is the form that clearly shows the customer’s monthly savings amount, savings tenor, account opening deposit, account to liquidate deposits into upon liquidation and other vital information.
Bonus interest will be credited automatically to your Smart Save account as long as all the conditions for qualifying for it is met.
Bonus interest is an additional interest given for meeting savings target. It is 20% of the normal interest paid into the account. It is paid if the customer does not withdraw from the account within a 3 month period and if the customer meet their savings obligation.
Sim. Interest is paid monthly at the normal savings interest rate. Bonus interest of 20% of the savings interest rate also applies.
The initial savings pattern you indicated at the beginning of your savings tenor would remain throughout the period indicated. However money brought in weekly would be recognized as top-up and bonus interest would be paid on the total balance.
Sim. Smart Save account is the product for you. With Smart Save, you can save daily, weekly or even monthly over a period of time for a specific purpose. This account comes with higher returns on your savings to help you further achieve your saving goal.
The system would recognize the inability to fulfill your savings obligation as a debt. This debt however does not attract any charges but bonus interest would be forfeited. Once yourfulfill your obligation by putting money in your account, your debt clears. It is a way to encourage you meet your target as planned.
Once a particular savings cycle is complete and customer withdraws the money, another cycle can begin. The account is so flexible that a new specific purpose can be inputted and savings can begin towards this purpose.
No, this account can be opened independently but having another account is more desirable.
Sim. Smart Save account is the product for you. With Smart Save, you can save daily, weekly or even monthly over a period of time for a specific purpose. This account comes with higher returns on your savings to help you further achieve your saving goal.
You require, an identification document such as Voter’s Card, National ID Card, current Driver’s License and International Passport; 2 Passport photographs, one good reference and the minimum account opening balance in cash or a Wema Bank cheque written in your name.
The penalty for withdrawing more than thrice a month is forfeiture of interest payment for the month. If in the following month, withdrawal is not more than thrice, interest would be credited to the account.
Sim. WTA has maximum withdrawal limit of thrice per month.
In Wema Bank, savings interest rate ranges between3.6% to 4.5% depending on the volume in your account. For WTA, interest rate is 3.6%+1% to 4.5%+1% depending on volume.
Sim. Interest on WTA is 1% above personal savings account rate. The interest is paid monthly on the average balance in the account.
Yes, with Wema Treasure Account (WTA), you can have your own personalized cheque book to pay third party transactions across the counter and also lodge in cheques that are issued in your name. You do all these with zero Commission on Turnover (COT) and being a savings account, you still get interest paid to you on the account balance. The unique features of Current and Savings accounts are merged in WTA.
For non-individuals, N10, 000 while individuals require N5, 000 to open WTA.
Não necessariamente. It depends on the nature of your business and purpose for which the account is required. If your business is large and you require your cheques to be cashable in any bank across Nigeria, WTA may not be suitable, and we would advise you to open the Wema Bank Current account.
WTA is different because it offers special benefits that the generic savings account (cheque lodgment and issuance at zero COT payment) or generic current account (monthly interest payment) does not offer.
Sim. There are two variants of WTA, namely WTA Individuals and WTA Non - individuals. The non-individuals is open to small businesses like yours and professional firms like law firms, Insurance brokers etc.
You may not need your current account anymore if you are okay with your cheques only being payable across Wema Bank branches. The cheque issued on WTA is a non-clearing cheque, which can only be cashed across Wema Bank branches. You will need a standard current account when you want your cheques to be presented at other banks.
WTA is an acronym for Wema Treasure Account. WTA combines the features of savings and current account types. It is an account suitable for people who wants to enjoy the convenience of current account while retaining the benefit of Savings Accounts.
Sim. Apart from the competitive interest rate on your balances, you also enjoy secure and easy access to your funds anytime and access to several of our e-Product like Mobile banking, Internet banking etc.
You require, an identification document such as Voter’s Card, National ID Card, current Driver’s License and International Passport; 2 Passport photographs and the minimum account opening balance in cash or a Wema Bank cheque written in your name.
Savings Account can be opened at any branch of Wema Bank.
No. Cheques are payable only into a current account or dedicated Savings account like Wema Treasure Account (WTA)
Interest will not be credited to your account for the particular month that withdrawal is more than three times.
Você pode retirar a qualquer momento. However, a maximum of three (3) withdrawals within a monthly is recommended to enable you earn interest on the balances in the account.
This is a product that enables customers save towards future financial security. Your balance in this account can be viewed as an investment because you earn interest on this balance.
This loan is available to Micro and Small business concerns as well as individual business owner who trades in their personal names. Their business may not necessarily be registered with the CAC.
Please note that this loan is geared at supporting the above-stated category of customers to grow their businesses. It is for existing and growing businesses and not appropriate for businesses experiencing difficulties or in need of financing to kick start (start-up) activities.
You may contact our 24hr Interactive Contact Centre, Purple Connect, on 07000PURPLE (07000787753), +234-8039003700, send an SMS to 07051112111 or drop us an e-mail at purpleconnect@wemabank.
Alternatively, you could chat with us via our live chat platform by clicking on this link. Our Customer Care Officers are also available to assist you at any of our branches.
Is a Naira denominated Credit card, which provides customers with a revolving credit line, via all channels – POS, Web & ATMs accepted in Nigeria and all over the world, at tens of millions of merchant locations and over 1.8 million ATMs, wherever the Visa logo is displayed.
A credit card is a card to which a certain amount called a ‘limit’ has been assigned for use by the cardholder. The limit is usually the bank’s money availed as credit to the customer subject to various risk acceptance criteria.
A bond is a loan and the investor or holder of the bond is the lender. When you purchase a bond, you are lending money to a government, local government council, state government, federal agency or a corporation, known as the issuer. The government uses it to fund budget deficit, for instance, or to build roads, electric power stations, finance factories, etc. When you purchase a bond, in return the issuer promises to pay you a specified rate of interest during the life of the bond and to repay the face value of the bond (the principal) when it ‘matures’.
Our fixed deposit is designed to help you grow your savings for future investments OR towards a specific event; your dream house or even towards a stress free retirement. We help you grow your savings with guaranteed high returns. Fixed Deposits are tenured deposits that offer competitive interest rates and flexible investment periods of 30, 60, 90 and 180 days and above. Call deposit as the name implies means that the investor can ‘call’ for the deposit at any time since the tenor is not fixed.
The e-Bills pay is collection platform introduced by NIBSS for the purpose of making electronic payments i. e bills, fees, premium, IGR, subscriptions to billers (Merchants) by their customers.
Sim. Wema Bank Personal Savings Account would be right for you.
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