Refunds ordered · 2025No. 01
₦19.12bn + $329.3m
refunds the CBN ordered banks to pay customers in 2025.
Source: VanguardInsurance claims, pushed to payment
Insurance claim delayed, cut or refused? Get it paid.
We review your policy and claim, build the case, and push your insurer — and the regulator if needed. You pay only if you get paid.
No upfront fees. Free claim review. Your documents are deleted when your case closes.
Also: we recover money banks wrongly charged.Illustrative example: Okon Logistics Ltd, goods in transit claim of ₦4,200,000. The insurer first offered ₦1,150,000. After review, ₦3,990,000 was payable under the policy, ₦2,840,000 more than the first offer. Our example fee of ₦568,000 is charged only on that extra, so the client keeps ₦3,422,000. Nothing is paid upfront.
Even Nigeria’s insurance regulator says the industry’s biggest problem is trust — and has told insurers to clear genuine claims.
SourceClaims we help with
If you’re covered, you should be paid.
Delayed, reduced or refused without a clear reason in your policy? Those are the claims we take on.
No upfront fees
Free claim review
Deleted when your case closes
01 / 04
Send your claim file.
Policy schedule and wording, claim form, the insurer’s letters or messages, and evidence (photos, police report, invoices).
02 / 04
We review it against your policy.
What’s covered, why the insurer delayed or refused, and whether that reason holds up.
03 / 04
You get an honest answer.
Winnable, maybe, or not — and what’s missing. Nothing is sent without your OK.
04 / 04
We push to payment.
A clear, evidenced letter to your insurer, follow-up on every deadline, and escalation to NAICOM if they stall. You pay our fee when the money lands.
Free
claim review, with no upfront fees
Policy
wording first — every reason the insurer gave is checked against it
Your OK
before anything is sent to your insurer
₦0
paid upfront — our fee comes when the money lands
Sample case
Illustrative exampleWe only charge on what we get you beyond the offer.
- Client
- Okon Logistics Ltd — goods in transit claim
- Claim
- ₦4,200,000 — goods damaged in a road accident
- First offer
- ₦1,150,000, citing an exclusion
- Our review
- The exclusion didn’t apply to the circumstances in the policy wording; missing documents supplied.
- Payable
- ₦3,990,000 under the policy, after 5% excess of ₦210,000
Extra vs first offer
₦2,840,000
Our fee (example 20% of extra)
₦568,000
Client keeps
₦3,422,000
Paid upfront
₦0
Client keeps ₦3,422,000 — vs ₦1,150,000 first offered.
Illustrative example. Your fee rate is agreed in writing before we act.
Bank overcharges
Also from RightbackYour bank took money it shouldn’t have? We get that back too.
We check your bank statements for wrong charges, excess interest and failed transactions that were never reversed — then claim it back through the official process. No bank password needed.
Illustrative example: a sample statement review with five findings totalling ₦130,500 owed back.
- 01
Send your statements.
12–24 months, PDF or Excel. Businesses: add loan or overdraft offer letters.
- 02
We check every line.
Against the CBN Guide to Charges and your own loan terms.
- 03
You approve what we pursue.
A clear report: what’s wrong, which rule, how much. Nothing filed without your OK.
- 04
We chase it to the end.
Your bank first, then the CBN if needed. You pay our fee when the refund lands.
Bank charges · the problem
Banks were ordered to pay billions back. Most overcharges go unclaimed.
Check your statementsComplaints · 2025No. 02
23,129
complaints that led to those refunds. Only about 23,000 complaints were filed in 2025 — most overcharges go unclaimed.
Source: VanguardUnclaimed?
Recovered · 2012–2023No. 03
₦115.5bn + $22.8m
recovered for bank customers between 2012 and 2023.
Source: Legit.ngIndustry-wide figures from CBN data — not Rightback’s results.
Sources: CBN refund figures, Vanguard (2026); 2012–2023 figures, Legit.ng.
Statements we check, from most major banks and fintechs
- Access
- GTBank
- Zenith
- First Bank
- UBA
- Fidelity
- FCMB
- Stanbic
- Sterling
- Wema
- Ecobank
- Union Bank
- Moniepoint
- OPay
- Kuda
What we check on statements
Six places banks get it wrong.
Hover or tap a card to see the kind of line we flag.
Fees and charges above CBN limits
Maintenance fees, card fees, alert charges and transfer fees set above what the CBN Guide to Charges allows.
Loan and overdraft interest above your agreed rate, or charged on the wrong balance
We compare every interest debit with your offer letter, the rate you agreed and the balance it should be charged on.
Interest charged after a loan was repaid
Duplicate debits
Failed transfers that were debited and never reversed
Foreign exchange conversions at unfair rates
Each conversion is compared with the market rate for that day.
Who it’s for
If an insurer or a bank owes you money, we’re on your side.
Businesses
“Fleets, logistics firms, shops, warehouses, and employers with group life cover — where a stuck claim hurts the most.”
- Common claims
- Motor, goods in transit, fire
- Also
- Charges on business accounts
Individuals
“Your own motor, property or health claim delayed or cut? We’ll review it — and check your bank charges too.”
- Common claims
- Motor, health / HMO
- Send us
- Policy, claim form, insurer’s reply
Accountants & HR
“Refer clients or staff with a stuck claim or bank overcharges, and we’ll share the fee.”
- You do
- Make the introduction
- We do
- The reviewing and the chasing
Pricing
Nothing to pay unless you get paid.
Free review.
Of your claim or your statements. We tell you what we find — no charge.
Pay only if you get paid.
Our fee is a share of what we recover. For insurance, only on what we get beyond the insurer’s existing offer.
Exact % confirmed in your agreement before we act.
Recover nothing, pay nothing.
If nothing comes back, you owe us nothing.
RIGHTBACK
ILLUSTRATIVE EXAMPLE
Free review₦0.00
Case building + follow-up₦0.00
Paid upfront₦0.00
OKON LOGISTICS LTD · GOODS IN TRANSIT
Insurer pays₦3,990,000.00
First offer (no fee)₦1,150,000.00
Extra recovered₦2,840,000.00
Fee (example 20% of extra)−₦568,000.00
You keep₦3,422,000.00
BANK CHARGES · 5 FINDINGS
Recovered₦130,500.00
Fee (example 20%)−₦26,100.00
You keep₦104,400.00
NOTHING RECOVERED
Recovered₦0.00
Fee₦0.00
You pay₦0.00
FEE % AGREED IN WRITING
BEFORE WE ACT
Privacy
Your data, handled with care.
- Policies, claim files and statements are encrypted and seen only by your case team.
- Used only for your case — never sold, never shared.
- Deleted when your case closes, or anytime you ask.
- We follow the Nigeria Data Protection Act.
01Are you an insurer, broker or loss adjuster?
No. We’re an independent service working only for you. Where a licensed professional is required, we work with one.
02Will this make my insurer cancel my policy?
Pursuing a valid claim is your right under your policy. We keep everything factual and professional.
03What if my claim isn’t winnable?
We’ll tell you honestly, for free, and explain why.
04How long does it take?
Some claims move in weeks once properly evidenced; escalated ones can take a few months.
05Do you need my bank password?
Never. For bank checks, you upload statements yourself.
06Is the bank service legal?
Yes. CBN consumer protection rules require banks to refund wrong charges, with interest. We use the official process — your bank first, then the CBN if needed.
07Are you part of NAICOM or the CBN?
No. Independent.
Find out what you’re owed.
Tell us about your claim or your account — it takes about two minutes. We’ll reply on WhatsApp with how to send your documents — and the review is free.
Rightback · Form 01
Free review request
Fee due
₦0.00
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