Openbank Reviews

Is Openbank really a bank

I was a client of Openbank OB for about 3 5 years and at first I liked some nice features they have in the site and also their Customer Service through free calls I just used the card when I traveled and also used the virtual card only a few times However I noticed that even using both cards rarely I began to have some issues Just a few examples 1 In August 2021 I made an online payment This payment was never confirmed either by the bank or the website and so I thought it had been canceled One week later in the bank website they said the payment had been made Afterwards and for about one week the amounts I could see everyday in the different parts of the site were completely different Either they disappeared either they came back with different values After lots of phone complaints everyday during a week finally there was a solution for the problem Only more than 15 days after the payment I could see the right amounts in their website I was informed that the reason for all this mess were Software problems 2 In July 2002 I used the physical card in NYC several times In about 4 or five times I could buy tickets 100 USD and many other things without the need of any PIN 3 In December 2023 I had to update my identification card I tried through their website as they suggested in their email through an encrypted connection It never worked So I decided to send them an encrypted file with the photo of my ID card They refused to accept this file and wanted to force me to send the photo by email without any encryption which I never did 4 In February 2024 I decided to check the OB Spain reviews on Trust Pilot Then I realized that what was happening to me was not a coincidence 1 Star 74 and 5 Star 16 As I also didn t see any solution to update my ID card and as I stopped trusting these people I decided to withdraw all the money I had there in the same day I checked Trust Pilot but I didn t cancel my accounts because I was curious to see if they would release the tax declaration on the website which is mandatory And as I was expecting there wasn t any tax declaration at all Fortunately I didn t need it They informed me on May 15 2024 that I had the Tax declaration in the website One month later than the usual date As I already had canceled my accounts this seems like a very timely coincidence 5 In April 2024 I tried again to check if I could upload the file through their site This time it was even impossible to visualize the place to do it I asked them what was happening and never got any answer 6 There were many other unacceptable situations that I don t mention here otherwise this would be a too long review Comments Concerning item 1 this is unacceptable in a bank or in any company I had the opportunity to see how Customer Support works This is nothing but a rather bad Call Center where anybody is responsible by anything I make only one exception to a person that was really professional and responsible They just say they are going to report and many times they even don t write anything in the system They also say that clients will be contacted in 24 48 hours which never happened These people are the exact opposite of good professionals They are unprepared to deal with clients and they have bad faith As I had made several complaints and had withdrawn all the money they just stopped answering questions and didn t release the tax declaration on time Disgusting is the least I can say From my point of view this bank is not a trustable nor a safe bank Besides I also have a lot of doubts about the way they treat our data This is a digital bank and that should be one more reason to have an encrypted channel in their site to make the bridge between their clients and the bank They have it but as it doesn t work they force people to solve the problem the easiest way instead of solving their problem All these facts speak for themselves so the question Is OB really a bank is relevant in my opinion And the answer is no OB is a sort of a bank because in a real bank there are not all the issues I described before and besides all this happened with an occasional use of cards not intensive I m a client of several banks and I ve never had issues like these in any bank I m glad not to be a client of this bank anymore I chose another one to my trips and it s something completely different

Based on my personal experience

Based on my personal experience this is not a bank with a customer service but a franchise of Seguran a social which employs people that would otherwise be really unable to get any and I mean any employment anywhere The Portuguese version of an otherwise good global brand is an excellent example that even a salary of 1 000pcm is too much for young Portuguese with literally zero communication and other abilities Blocked debit card card cancelled and another one not sent misspelled name on the card requests for documentation they have been long in possession of the list is endless I truly wish to all of them when necessary to be taken care at a hospital by people who are as competent as they themselves are

Hi - any chance OpenBank could get the on-line new accound working

Hi I m Portuguese citizen living abroad and have tried several times to open a Openbank pt account and receive the common white screen that i m ready here with other reviews I opened my Openbank US account with ease Tranfered funds and was in my new account the next day

I tried 4 times to open an account

I tried 4 times to open an account online with OpenBank I get to the end of the first page of the application and enter my NIF number and press Following key The screen moves to blank white page and nothing else happens I have inquired about it over the phone and get the response someone will get in touch with you No one has I have sent two emails and nothing

r42 card

r42 cardI have the r42 card contracted and the truth is that it works quite well I recommend this type of bank

Very good until now

Very good untip now Opened account on 1 February 2025

Sem queixas

Sem queixas e rapidez nos processos via call center

A very easy bank

The opening has been very easy and the management of the bank account is really easy