Tbay Review [July 2026]: Real Google Play Users Report What Happened
As of July 2026, Tbay holds a 4.58 rating on Google Play with 41,829 total reviews. Despite the overall score, recent one-star reviews reveal a consistent pattern: users report being scammed by buyers on the platform, cards being rejected as "used" or "infected" without explanation, and funds not arriving after trades. This article examines what real Nigerians experienced when they tried to sell gift cards through Tbay.
What Is Tbay?
Tbay is a peer-to-peer marketplace where Nigerians can trade gift cards directly with buyers. The platform connects sellers with individual buyers rather than handling transactions itself. But what are real users actually experiencing? Here's what the reviews reveal.
Tbay Reviews: What Real Users Report
Buyers Scamming Sellers — Platform Does Nothing
Multiple users report losing money to fraudulent buyers on Tbay's marketplace, with no recourse from the platform. The peer-to-peer model appears to leave sellers exposed when buyers take cards without paying.
"a buyer kardbaba scam me of my €100 card, I don't trust this app anymore and I'm not using it again and won't advise anyone to use it"
— Christian Edoh, ⭐ 1 star, June 17, 2026, via Google Play
This isn't an isolated complaint. When a buyer identified as "kardbaba" allegedly scammed this user out of a €100 card, there's no indication Tbay stepped in to resolve the issue or compensate the seller. The peer-to-peer structure means you're trusting individual strangers with your gift card codes before receiving payment — and if that buyer disappears, you may have no protection.
"Tbay now rips. avoid gift card provider and kardbaba. the whole tbay na scam. pls run"
— FedEx Team, ⭐ 1 star, June 21, 2026, via Google Play
The same buyer name appears in another warning. When multiple users flag the same fraudulent buyer and the platform continues operating without addressing it, that raises questions about seller protection.
Cards Rejected as "Used" or "Infected" — No Clear Explanation
Several users report their valid, unredeemed cards being marked as already used or infected immediately after submission, with no proof or recourse.
"You guys have started scamming. I uploaded my apple card and it was in trade I then slept off only for me to wake and see that they didn't trade it claiming it's an infected card without any reasonable explanation. They asked me to send the order again I did they come dey tell me say na used card."
— Saiiyansam Watson, ⭐ 1 star, June 30, 2026, via Google Play
This user's Apple card was first rejected as "infected," then when resubmitted, rejected again as "used." No explanation, no evidence — just repeated rejections after the card codes were already uploaded. Once you've shared your card details with a buyer or the platform, you lose leverage. If the card is then marked invalid without proof, you're left with nothing.
Withdrawal Conditions Hidden Until After Sign-Up
One user discovered restrictive withdrawal requirements only after depositing funds — requirements that weren't clearly disclosed upfront.
"first of all this website are not trustworthy if you dont want to lose your money dont trade with them I lose my 100 usd and don't be deceive by the welcome bonus it is your money they are using as welcome bonus you cant withdraw it unless you make transaction three times and it must be over 25 usd"
— Qudus, ⭐ 1 star, June 29, 2026, via Google Play
The welcome bonus appears to come with strings attached: you must complete three transactions over $25 each before you can withdraw. This user lost $100 trying to meet conditions that weren't made clear before signing up. When withdrawal requirements are buried in fine print, users end up trapped in a cycle of forced transactions just to access their own money.
Frequently Asked Questions
Is Tbay safe to use?
Based on the reviews analyzed here, eight one-star reports in June 2026 alone describe scams, unexplained card rejections, and withdrawal issues. While Tbay's overall rating remains above 4.5, these specific patterns — fraudulent buyers left unchecked, cards marked invalid after codes are shared, hidden withdrawal conditions — suggest significant risk. If you choose to use Tbay, start with small amounts you can afford to lose, document every transaction with screenshots, and verify buyer reputation before sharing card codes.
What should I do if Tbay hasn't paid me?
First, save all evidence: screenshots of your transaction, chat logs with the buyer or support, photos of the gift card receipt if you have one. Contact Tbay support through the app and document their response (or lack of one). If you get no resolution, file a complaint with the Federal Competition and Consumer Protection Commission (FCCPC) at https://www.fccpc.gov.ng/. Include all your documentation. The FCCPC handles consumer fraud cases in Nigeria and can investigate platforms operating in the country.
How do I get my money back from Tbay?
Getting money back from a peer-to-peer platform is difficult once the transaction is complete, because Tbay connects you with individual buyers rather than processing payments itself. Start by contacting Tbay support with all transaction evidence and requesting a refund or reversal. If they don't respond within 48 hours or refuse to help, escalate to the FCCPC with a formal complaint. Include proof that you provided a valid, unredeemed card and didn't receive payment. Keep records of all communication. For future transactions, consider platforms that handle payments directly rather than connecting you with unknown buyers — it reduces your exposure if something goes wrong.
If you have a valid, unredeemed gift card you'd rather convert to cash without the peer-to-peer risk, Cardhorse processes transactions directly and typically delivers funds within minutes.
Prev : Where to Sell Neosurf Gift Cards in Nigeria: Best Platforms
Next : Where Can I Sell a CardSwap Gift Card?
As of July 2026, Tbay holds a 4.58 rating on Google Play with 41,829 total reviews. Despite the overall score, recent one-star reviews reveal a consistent pattern: users report being scammed by buyers on the platform, cards being rejected as "used" or "infected" without explanation, and funds not arriving after trades. This article examines what real Nigerians experienced when they tried to sell gift cards through Tbay.
What Is Tbay?
Tbay is a peer-to-peer marketplace where Nigerians can trade gift cards directly with buyers. The platform connects sellers with individual buyers rather than handling transactions itself. But what are real users actually experiencing? Here's what the reviews reveal.
Tbay Reviews: What Real Users Report
Buyers Scamming Sellers — Platform Does Nothing
Multiple users report losing money to fraudulent buyers on Tbay's marketplace, with no recourse from the platform. The peer-to-peer model appears to leave sellers exposed when buyers take cards without paying.
"a buyer kardbaba scam me of my €100 card, I don't trust this app anymore and I'm not using it again and won't advise anyone to use it"
— Christian Edoh, ⭐ 1 star, June 17, 2026, via Google Play
This isn't an isolated complaint. When a buyer identified as "kardbaba" allegedly scammed this user out of a €100 card, there's no indication Tbay stepped in to resolve the issue or compensate the seller. The peer-to-peer structure means you're trusting individual strangers with your gift card codes before receiving payment — and if that buyer disappears, you may have no protection.
"Tbay now rips. avoid gift card provider and kardbaba. the whole tbay na scam. pls run"
— FedEx Team, ⭐ 1 star, June 21, 2026, via Google Play
The same buyer name appears in another warning. When multiple users flag the same fraudulent buyer and the platform continues operating without addressing it, that raises questions about seller protection.
Cards Rejected as "Used" or "Infected" — No Clear Explanation
Several users report their valid, unredeemed cards being marked as already used or infected immediately after submission, with no proof or recourse.
"You guys have started scamming. I uploaded my apple card and it was in trade I then slept off only for me to wake and see that they didn't trade it claiming it's an infected card without any reasonable explanation. They asked me to send the order again I did they come dey tell me say na used card."
— Saiiyansam Watson, ⭐ 1 star, June 30, 2026, via Google Play
This user's Apple card was first rejected as "infected," then when resubmitted, rejected again as "used." No explanation, no evidence — just repeated rejections after the card codes were already uploaded. Once you've shared your card details with a buyer or the platform, you lose leverage. If the card is then marked invalid without proof, you're left with nothing.
Withdrawal Conditions Hidden Until After Sign-Up
One user discovered restrictive withdrawal requirements only after depositing funds — requirements that weren't clearly disclosed upfront.
"first of all this website are not trustworthy if you dont want to lose your money dont trade with them I lose my 100 usd and don't be deceive by the welcome bonus it is your money they are using as welcome bonus you cant withdraw it unless you make transaction three times and it must be over 25 usd"
— Qudus, ⭐ 1 star, June 29, 2026, via Google Play
The welcome bonus appears to come with strings attached: you must complete three transactions over $25 each before you can withdraw. This user lost $100 trying to meet conditions that weren't made clear before signing up. When withdrawal requirements are buried in fine print, users end up trapped in a cycle of forced transactions just to access their own money.
Frequently Asked Questions
Is Tbay safe to use?
Based on the reviews analyzed here, eight one-star reports in June 2026 alone describe scams, unexplained card rejections, and withdrawal issues. While Tbay's overall rating remains above 4.5, these specific patterns — fraudulent buyers left unchecked, cards marked invalid after codes are shared, hidden withdrawal conditions — suggest significant risk. If you choose to use Tbay, start with small amounts you can afford to lose, document every transaction with screenshots, and verify buyer reputation before sharing card codes.
What should I do if Tbay hasn't paid me?
First, save all evidence: screenshots of your transaction, chat logs with the buyer or support, photos of the gift card receipt if you have one. Contact Tbay support through the app and document their response (or lack of one). If you get no resolution, file a complaint with the Federal Competition and Consumer Protection Commission (FCCPC) at https://www.fccpc.gov.ng/. Include all your documentation. The FCCPC handles consumer fraud cases in Nigeria and can investigate platforms operating in the country.
How do I get my money back from Tbay?
Getting money back from a peer-to-peer platform is difficult once the transaction is complete, because Tbay connects you with individual buyers rather than processing payments itself. Start by contacting Tbay support with all transaction evidence and requesting a refund or reversal. If they don't respond within 48 hours or refuse to help, escalate to the FCCPC with a formal complaint. Include proof that you provided a valid, unredeemed card and didn't receive payment. Keep records of all communication. For future transactions, consider platforms that handle payments directly rather than connecting you with unknown buyers — it reduces your exposure if something goes wrong.
If you have a valid, unredeemed gift card you'd rather convert to cash without the peer-to-peer risk, Cardhorse processes transactions directly and typically delivers funds within minutes.
Prev : Where to Sell Neosurf Gift Cards in Nigeria: Best Platforms
Next : Where Can I Sell a CardSwap Gift Card?
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