"What I see here is a lot of people taking there mental health out on a reviewing site complaining about the fees when they are very upfront and clear about them, that I will not understand. I can honestly say they deserve the 5 stars as I cannot complain about a single thing, bank transfers that are sent to me are received instantly, the online banking system is great and my card arrived within the stated time (3-5days), I think everyone is being abit too emotional in these reviews and it shoud be rated a lot lot higher than 1.3 that's for sure."
"No problems whatsoever. For a business customer they are a brilliant way of avoiding crippling business account charges. Found customer service very helpful. Cannot relate to these other comments at all and surprised by some of their ferocity."
"I am quite pleased with card one banking. the staff are very useful when i call. i am still struggling to use the online system. But overall as a bank i am very satisfied with them. i would recommend them to friends and family."
"Did not listen. Payment came into my business account and they sent it straight back to the customer due to the payee omitting a word on the account . All else was the same and there was nothing added that did not coincide with the account. I noticed that it was being transferred out before it left my account, and phoned them to reverse the decision. Well I wish I had not bothered. They hung on for 20 mins with excuse after excuse how they could not reverse their decision and that it was final. I am disgusted by the way they behave, knowing full well that the money was mine and that a customer paid it into my account and they make the decision to pay it straight back to the customer. I am now in the process of writing a formal complaint about the manager of customer services who I believe not to have a clue on how businesses require cash flow to keep them operating and would do well to remember ... guys like us pay their wages."
"Is it possible to give this a minus star review! Possibly the worst bank I have ever had the displeasure of dealing with. I honestly don't even know where to start with the list. Talk about make it difficult to send/receive money, they put barriers up at every turn and charge you for the inconvenience. Even when money finally 'cleared' in my account, they told me it hadn't and the account had been locked down, making it inaccessible to myself and my business partner. The money was rightfully paid to our account and CardOne banking were withholding it. The customer services team were less than helpful, with the calls to their helpline being expensive and charged astronomically for having to call them to sort it out! They don't update you with details of your account being put on lock down and I was told they can't call everyone! No - but Natwest or HSBC can notify you by email - what a revolutionary idea! Even when money shows as cleared, you are then told it they are withholding it and every cheque, money transfer, BACS etc is convoluted, takes days to clear at a cost implication to yourself and the process is far from user friendly. I would not rate this bank in the slightest. Additionally, my colleague phoned for assistance with the online account and it took nearly 2 weeks for them to send another password letter out meaning she was unable to move money or pay herself until such time as receiving new login details. The cheque books cost you money for issuing if you require more than one and not to mention that you can't pay in cheques over £500 in any one week which is not conducive to working with a client who insist on paying by cheque only. Cheques also take a whopping 8 working days to clear extending the standard cheque clearing time by 3 or more days! When my client paid money into my account they negated to provide all the beneficiary details and consequently CardOne locked my account and were asking to see all invoices for the amount paid in. This is completely unnecessary and unjustifiable. So long as the client could agree the money was rightfully placed in our account and confirm the figure of money, there should be absolutely no need to send each and every invoice to justify payment! What a ridiculous tedious and massively unnecessary process just to be paid the money you are owed! AVOID AVOID AVOID!"
"Closed my business account for no valid reason. Asked why because it had only been open a week said some about being a business decision even thought they had just taken my £55 joining fee.Total SCAM BANK STAY AWAY at all costs. F#%#€* joke."
"Never give a feedback before, but i feel obliged to avoid others being excessively charged, and experience terrible customer service.
Beware of what the telemarketer told you, it is not as it is meant to be. Please do not feel pressured to sign up at all and do not believe what they say over the phone"
"My wages have vanished and customer services just say it's not their problem or they don't know where my wages are. That doesn't help me. So who has my wages then!!!!!. I will be making a complaint to the financial ombudsmen. This is tantamount to theft."
"They are trying an aggressive marketing scam now. Somehow they have got a friend's details and he has been pestered by calls and texts saying he has been selected for an account. Now a letter has arrived with his "new account" details, and a number to call (at 11p a minute in very small, faint print). The whole thing is written as if the account is set up and ready to go. This looks designed to scare people into phoning the number. He emphatically has NOT applied for an account with them."
"Customer service is poor
Processes are poor compared to any banks, Unable to work with businesses efficiently always insisting a director calls (Even though the director has told them the names of authorised staff)
Returns payments if there is a minor mistake with the name
Holds money without your consent
Charges a fortune in calls to contact them
Poorly thought out and poorly managed
I know they are not a bank as such, but if I was to do something like this I would at least take the positive aspects of a bank and try to copy them.
Only opened up as it was quick and time was against us, will be advising the director to book a day out and go to open a genuine bank account as these are terrible.
Best advice would be to use Cash Plus instead if in a rush, as their issues are minor compared to Card One Banking."
"There a joke only reason I joined due bad credit
Bad decision I made, just access your account you can overdraft like of -£5 it’s a joke now I have tmrw morning to access it. Every time you call them bills are going sky high
DO NOT SiGN UP WITH THEM"
"I have decided to go to the ombudsman this bank does not ring u or E_MAIL at all they do not keep you inform. I find the situation of what this bank has put me through is very upsetting. All i want is my £250.00 and to no avail nothing. The police is aware of this situation this is fraud. Just having sleepless night about paying certain bills. Never in my life i though this could happen to me. Customer service i find very rude. They also tell lie one person say something and the say something totaly different. Be honest. Poor service."
"I wanted to contiue about card one banking they did not keep me i form about this invesgation . I know if i dont get back my money i will go back to the police station and get legal advice . They have cause so many people sress after reading review about this bank. They should be a law to stop bank like doing business . I will wait until the 4th june was told that i would received a telephone call but i know it wont happen i truly think that they feel that you wouldgo away. They need to be stop it is not right. They have sent me three text message saying insufient money when i sent a e-mail to stop all activates. Which they did not do so lets see what happen on the 4th june will keep u inform 🤣😂"
"The most rubbish and nonsensical bank I have ever come across.Is a shame these kind of bank operate in a developed country like the UK.
In a nutshell,they are fraud.High charges of calling them is fraud,monthly charge is fraud,customer service is absolute zero!!
I believe some group of fraudsters operate this bank from the corners of their bedroom to be honest."
"After opening an account for my new business, I had a private loan paid across from a family member, who does not use online banking or email. I have been asked repeatedly where the money has come from, and also asked to prove this by sending in a bank statement clearly showing her name address and the amount paid across and my name. This I did this morning with the help of a 30 mile round trip, now being told that this is insufficient and I have to ask her to send an email from an account that does not have her name on it to prove that the money is a loan for my new business. Upon receipt of this they will review the situation. Not impressed had to make 10 phone calls to an over priced number so that I can find out what is happening with my money as the first time it was sent back to her without any call to me asking if this is what I wanted. the second time and four days later I had to call to find out why the money had not been credited to my account. I am a little cross that we cannot speak to the finance department as they are the ones making all the demands, have to speak to somebody on the phone who is a third party between us the customer and the finance department, wish I had read the reviews before opening the account"
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