OpenbankReviews of openbank.us

Their customer service is horrible... rather than resolve their error in my account creation process, they just repeated the same useless suggestion, and then finally just hung up on me. Now, they must've flagged my phone number, because they won't even answer the help line! What a joke.

I have two accounts with Openbank and I lost access to my funds due to the accounts being blocked. Apparently on one of my travels out of state, I logged into my account and they decided that it was not safe so the accounts were blocked. This is despite me using their app on my trusted device. I had no access for over a week. When I called, customer service couldn't remove the block but sent a message to the back office regarding my accounts. I asked to speak with a supervisor. After telling me that the supervisor won't tell me anything different, she transferred me. Once with the supervisor, he told me that if customer service had not sent the message, he could have unblocked the accounts. Additionally when I requested an email documenting the statements he said to me, he said he can't do it. So, I had to wait 2-3 business days while Openbank held my funds captive. Today I was able to access the funds in one account. The other remained block. I called and told them I wanted to close both accounts so I transferred my money out. My suggestion: the higher interest rate is not worth it if you don't have access to your own money! Too much trouble.

Abrir una cuenta en Openbank debería ser fácil, moderno y digital… pero es todo lo contrario. La plataforma online es una máquina de frustración: lenta, inestable y llena de errores que te obligan a reiniciar todo el proceso varias veces. Cada documento que subes parece desaparecer en un agujero negro virtual, y cualquier intento de avanzar se convierte en una odisea interminable. Y luego está el soporte técnico… o más bien, la leyenda urbana de un equipo que parece vivir en otra dimensión. Te dicen que “lo arreglarán al día siguiente”, vuelves a llamar y nadie sabe nada, te repiten información contradictoria o directamente te reiteran en forma robótica la imposibilidad de solucionar nada, la llamada con una desprecoupación al estilo de si hay un volcán en erupción, te dir´na que no desesperes, que todo pasará, que la lava es producto del sistema y no pueden hacer nada....que raya lo épico. Empatía, profesionalidad y rapidez: olvídalo. En teoría, Openbank promete comodidad digital, cero comisiones y gestión sin nómina. En la práctica, entregan caos, bugs, personal desorientado y pérdida masiva de tiempo. Si decides abrir cuenta aquí, prepárate para entregar horas de tu vida a un agujero negro digital y descubrir que tu paciencia no tiene límites… hasta que se agota, claro.

Take your money elsewhere! I opened an account with them in November, deposited money, and my account has been blocked since December. No one can give me any explanation other than give it 5-7 business days, we’ve escalated things. It’s January 20th and my account is still blocked without explanation. Don’t listen to the Nerdwallet review as I did. It’s piss poor service with this bank and my money is being hostage because I told them I wanted to close the account because of the horrible experience and service.

Worst bank I have ever dealt with. I used them to take out a large amount. from my Amex account. They rejected it and sent it to a third party bank who they say can hold it for 30 days. What a bunch of BS. Very hard to put money in the account. Can't wait to close my account. Stay away from this bank. It's two weeks after my review and they are still holding my money.

Wish I had read the reviews. I thought I have been scammed the availability of funds is exceedingly long. I transferred 5,000 a week and a half ago. It is still not available. I call and I am told it would be available the next day. It was not. I call again and get hung up on. I call back and same rep says his system is down that’s why I got hung up on he says to call back and get another rep. I do and she says I was told wrong that the money would be available tomorrow. I say that is ridiculous amount of time. She says the disclosure tells me that on page 39! I will take my money out asap and close this account.

Avoid this bank at all costs. Yes, they offer an attractive interest rate. But the frustration of dealing with them is simply not worth it. Just opening the account was the most convoluted process I have ever gone through, took a ton of my valuable time. Then in order to fund it, I tried to link not one, not two, but three external accounts, all of which they rejected (I'd never had a problem linking any of them before). So that was a ton more time wasted. I ended up closing the account and telling them exactly what I thought of them. Seriously, stay away!

I read all the reviews online and glad I did.