# 78 MFB — user reviews > 17 indexed App Store user reviews of 78 MFB by BLAAIZ INNOVATIONS TECHNOLOGY LTD, rated 3.80/5 from 38 ratings. - Source: https://appshunter.io/ios/app/78-mfb/id6470311222/reviews - App overview in markdown: https://appshunter.io/ios/app/78-mfb/id6470311222.md - Rating breakdown: 5★ 22 · 4★ 3 · 3★ 4 · 2★ 1 · 1★ 8 ## Most critical reviews (10 lowest-rated) ### 1/5 — They don’t refund *2026-10-03* They cancel my transaction and refused to refund me after 48 hours contacted email and customer services none are replying me ### 1/5 — Pending *2026-08-29* I sent a sum of 5,000 to my Opay account and still hast gone through been showing pending for hours now…. **Developer response:** To help us get on this right away, could you submit this through the 'Report Transaction' option in the app? This automatically flags the transaction for our team so we can investigate immediately. ### 1/5 — Mr *2026-08-15* The network is very slow **Developer response:** We understand how frustrating slow performance can be, especially when you need to access your finances. This isn't the experience we want for you. Please contact our support team immediately at support@bank78.co so we can investigate this issue for you. It may be a connection issue on our end that we need to fix, or we can help you troubleshoot your device settings ### 1/5 — Finzo24 *2026-06-21* After my third tier verification was successfully done…I didn’t see no option of GBP nor EUR or USD account creation option…so far bank 78 has been a false..don’t bother downloading..I’m deleting my own app soon.ill give you 1 to zero star. **Developer response:** Thank you for your feedback. To clarify, Bank78 does not advertise or offer foreign currency accounts (USD, GBP, or EUR). Our Tier 3 verification is strictly designed to unlock higher transaction limits and enhanced security for local currency accounts. We understand you are disappointed that this specific feature is unavailable, but we can assure you that our platform operates fully transparently within our stated services. If you choose to keep your account, you can now enjoy the full benefits of your upgraded local tier. ### 1/5 — Terrible network and poor customer service *2026-02-14* Why is Bill payment not working, why tf? You need to fix this as quick as possible **Developer response:** Please be informed that airtime and bill purchases are currently available only from your main account balance. Airtime purchases from referral wallets are still unavailable for now. We’ll notify you as soon as this option is restored. Thank you for your patience. ### 1/5 — fraud *2026-01-11* Don’t use the referral code @DRLUCAS, they promised 2k to the first 1thousand people that uses the referral code and I tried it as soon he posted it, not for the Money but to know how real it is. to my greatest surprise it’s fake promo. If the promo is fake then the bank system might not be trusted!!!!! **Developer response:** We completely understand why you’re upset, and we apologize for the experience. You’re right to expect a promise to be honored. The referral campaign for @DRLUCAS was genuine, but it was limited to the very first 1,000 people who completed the sign-up. Because it was promoted widely across the country on social media, all the slots were filled within a matter of minutes, faster than most people could react. We have verified that all 1,000 rewards have been successfully paid out. We know that doesn't change your personal disappointment, and for that, we are truly sorry. We value your trust deeply, and we hope you'll give us another chance in the future with a different offer. Thank you for trying. Better luck next time. ### 1/5 — Very useless bank *2025-12-17* They will lock your account if you mistakenly enter a wrong pin. Then their customer service will never respond I mean ever! And their customer care number will never go through! They will frustrate your life, don’t ever think of downloading the app or using the bank because they act like scammers! ### 2/5 — Referral bonus *2026-04-14* I couldn’t even use the funds credited in my Bill payment,then why is it there if I can’t use my bonus in my referral wallet You really needed to fix this up It’s going to 4months now since the using of referral bonus for bill payment not available **Developer response:** We understand how frustrating this has been, and we sincerely apologize for the inconvenience. At the moment, the use of referral bonuses for bill payments is still unavailable as the feature remains on hold. Our team is actively working on this, and we’ll notify you as soon as it’s restored. We truly appreciate your patience. ### 4/5 — Simple and convenient banking app *2026-10-05* Bank78 is a simple and convenient banking app for managing your money. The app is easy to navigate and I like having features such as transfer, payment, savings and multiple account options in one place. It’s a useful option for anyone looking for a straightforward digital banking experience Hi Bank78 teams I’m a digital marketer and content creator and I I’d love to connect with you.feel free to reach out. I’d be happy to discuss some ideas ### 5/5 — Seamless Experience *2026-09-01* Super easy and fast **Developer response:** It is delightful to hear such positive words, and it’s always a pleasure to serve our users. ## Most praised reviews (7 highest-rated) ### 5/5 — Fast transfer *2026-08-31* Great experience **Developer response:** Wow, thank you so much for the kind words! We're thrilled to hear you're having a great experience with Bank78. Our team works hard to make banking simple, secure, and enjoyable, and it's incredibly rewarding to know we're hitting the mark. Thank you for trusting us with your finances! ### 5/5 — No tittle *2026-08-12* Very easy to use and beautiful **Developer response:** Thanks for the 5-star review! We’re thrilled to hear you find the app easy to use and beautiful. We appreciate your trust in us! ### 5/5 — Seamless Experience *2026-07-22* Super easy and fast **Developer response:** It is delightful to hear such positive words, and it’s always a pleasure to serve our users. ### 5/5 — Priest *2026-07-22* 01 **Developer response:** Hi there! It looks like your message might have been sent before you could finish typing. We want to make sure we hear you loud and clear! Whether you have a question, a concern, or just feedback on how we can improve, please feel free to share more details. We're here to help! ### 5/5 — Fast *2026-02-11* Fast and reliable **Developer response:** Thank you so much for your encouraging review. We will do our best to ensure you have a great banking experience with us. ### 5/5 — It’s so cool *2025-09-14* It’s works perfectly **Developer response:** It is delightful to hear such positive words, and it’s always a pleasure to serve our users 😀 ### 5/5 — Superb UI design *2024-02-02* The UI design is superb and flawless design and flow. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-14.*