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E don tey wey me get this kind issues from Nigerian bank o, it's not that I'm lucky enough but I use my common sense follow them, I no gree use traditional bank for transfers again, I only focus on microfinance banks for transfer like opay, palmpay, moniepoint, and the rest, these ones dey hardly cause failure in transfer and if it happens, e dey reflect back automatically within some few minutes.
Abeg, OP which bank dey cause this failure in transfer, if you wan do transfer with traditional bank, stay far away from Ecobank, Union Bank, and Fidelity bank, these three banks na the worst for mobile transfer, them dey get this kind wahala wella. Other Bank their own dey easily rectified.