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The short answer
On LemFi, "In progress" means the transfer is being reviewed, routed through partners or waiting on the Nigerian bank, and LemFi says it usually resolves within 24 hours; "In review" means LemFi needs details from you, so check your email; "Completed" means the money has been sent to the recipient's bank; "Failed" means it did not go through and you are not charged. LemFi's help centre says to contact in-app support with the transaction reference if a transfer is still not received after 24 hours.
LemFi transfers to Nigeria often land in minutes, which makes it unsettling when one sits on a status for an evening. The status tells you where the money is and who has to act next. The meanings below come from LemFi's own help centre, as updated in April and October 2026.
The statuses, one by one
- In progress
- LemFi's help centre says the transfer is being reviewed, is moving through its payout partners, or is waiting for the destination bank. LemFi says this usually resolves within 24 hours. No action is needed from you yet.
- In review
- LemFi needs more details before it can continue. Check your email and the app for a request, and reply promptly; the transfer will not move until you do.
- Completed
- LemFi has sent the money to the recipient's bank. If your recipient has not seen it, the delay is now on the bank side.
- Failed
- The transfer did not complete. LemFi says you are not charged, and money that left your LemFi balance returns to it, usually right away.
Why a transfer stays In progress
LemFi lists four common causes of delay:
- Bank processing on the receiving side.
- Weekends and public holidays.
- Delays at its payout partners.
- Security checks.
LemFi publishes a list of countries that may take extra time at weekends; Nigeria is not on it. LemFi's help article on missing money says most delays happen at the recipient's bank, and that the commonest cause of a transfer not arriving is a wrong account number or mobile money ID.
When Completed does not mean received
A Completed status with no credit is the case that frustrates families most. LemFi's answer is a session ID: which LemFi describes as the reference for a completed transfer to a Nigerian bank. The recipient gives it to their bank so the bank can trace the payment.
- Open Transactions in the LemFi app and select the transfer.
- Confirm it shows as successful.
- Ask in-app support for the session ID, quoting the transaction reference.
- Send the session ID to your recipient, who gives it to their bank.
With a session ID, the recipient's bank cannot easily say it has no record. Our guide to when the recipient's bank says no money arrived covers what to do if the bank still cannot find it.
When to contact LemFi support
| Situation | What to do |
|---|---|
| In progress for under 24 hours | Wait; LemFi says this usually resolves within 24 hours |
| In progress for over 24 hours | Contact in-app support with the transaction reference |
| In review | Answer the email request; contact support if you cannot see one |
| Completed but not received | Ask support for the session ID |
| Failed and refund not back | Contact in-app support with the transaction reference |
For refunds, LemFi says sign-ups in Australia and Europe are refunded to the original payment method: cards usually in 3 to 5 business days, bank payments in 1 to 2 business days. For UK, US and Canada sign-ups, failed money returns to the LemFi balance.
Sent to the wrong account?
If you notice a mistake, act within minutes. LemFi says authorised and completed transfers generally cannot be recalled; support may try if you contact it within minutes of authorising, but there is no promise. A recall after completion needs the recipient bank's approval and the money still being in the account, and LemFi says a final outcome can take at least 8 weeks. Our guide to a wrong account number on a transfer to Nigeria sets out the steps.
A worked example
Example only: you send ₦250,000 for your niece's school fees on a Friday evening. On Saturday morning it still says In progress. It has been under 24 hours, so you wait. By Saturday evening it shows Completed, but the school's bank says nothing has arrived. You ask LemFi support for the session ID, send it to the school's bursar, and the bank finds the credit against that reference.
Avoiding the common delays next time
- Save recipients carefully. Since LemFi names a wrong account number as the commonest cause of missing money, check a new recipient's 10-digit number and bank with them before the first transfer, and reuse the saved recipient after that.
- Keep your verification current. An In review status usually means LemFi needs something from you. If your ID has expired or you have moved, update it before a large or urgent transfer; see LemFi first-transfer verification.
- Allow for bank cut-offs. Most delays are at the recipient's bank, so a payment due on a Monday is safer sent on the Friday before than on the Monday morning.
Where Pryme fits
Pryme is a different service: each transfer you send from a Pryme account shows the rate and the fee before you approve, and you can generate a verifiable receipt through our partner VerifyDoc.ai to show the recipient's bank or school; see receipts. A Pryme account can be opened from any country and holds naira, dollars, pounds and euros.
Questions people ask
How long does LemFi In progress last?
LemFi says In progress usually resolves within 24 hours. After that, contact in-app support with the transaction reference.
What does In review mean on LemFi?
LemFi needs more details from you. Check your email and the app and reply; the transfer waits until you do.
LemFi says Completed but my mum has not received it. What now?
Ask LemFi in-app support for the session ID and send it to her; her bank can trace the payment with it.
Do I lose money if a LemFi transfer fails?
LemFi says you are not charged for a failed transfer. Money from your LemFi balance returns to it, usually right away.
Sources
- LemFi Help: Why is my transfer taking longer than expected? · accessed Oct 2026
- LemFi Help: My recipient hasn't received the money · accessed Oct 2026
- LemFi Help: My transfer failed · accessed Oct 2026
- LemFi Help: How do I get a session ID for a transfer to Nigeria? · accessed Oct 2026
- LemFi Help: Can I cancel or recall a transfer? · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.