"Conta no Openbank Portugal"

Abri conta no Openbank Portugal, mas deparei-me com muitas limitações que não existem nos bancos concorrentes como o ActivoBank ou Bankinter Online: 1. Não permite um segundo titular; 2. IBAN em Espanha; 3. Não tem lojas fisicas em Portugal; 4. O cartão de debito não está na rede MB, pelo que não permite operações básicas como consulta de saldo. Resumindo: só o titular tem acesso e apenas pelos canais digital ou telefónico, e para fazer pagamentos com o cartão de débito tem custos superiores ou não é permitido em muitas lojas. Por isso, não irei usar esta conta para os fins que tinha previsto.

"Excelente serviço de atenção ao…"

Excelente serviço de atenção ao cliente.
Boa oferta de contas e depósitos.

Recomendo

"I would not recommend"

Mid-May I received an email to update passport details. Account opened 4 yrs ago, EU & British passport. They send me a request for me to confirm my Portuguese nationality…Nope, I never said I am Portuguese, yep, you have a copy of my passport since the opening of the account, yep, the info on their files is managed by their own staff, it is them who have put the wrong info in there.
At the end of May I received an email to contact them. No details what this is all about. Finally managed to get to speak to someone. A transaction with the debit card for $20 or so, say in the USA, was declined. No, it wasn’t me, I wasn’t there. Fine, thanks.
Then, however, it appears that my debit card is blocked. On the online banking there is info about a new debit card for activation. Never received any new card, over a month now, but the current one is blocked and is rejected by Uber/Bolt, to name just a few. So, I’m using my UK credit card instead. Santander lose approx. 1% in charges from the seller every time I am not using my Open Bank card, as a result of that.
Santander is a well-known global brand and I have been a customer of Santander in the UK for over a decade, absolutely no issues at all. But the work ethics in the UK is different. In my opinion, Open Bank PT is not something Santander should be proud of.
It is an online platform with a call centre. The staff of that call centre does not appear to know much about banking, if at all.
I have few deposits with them, which will be closed on maturity, and the money transferred elsewhere. The time it takes to deal with really trivial issues, which I have never encountered with other banks, and the annoying incompetence of their Portuguese call centre is really not worth the trouble.
Finally, there is a global Santander email address for complaints, which can be found on their website, and I would urge any dissatisfied customer to by-pass the Portuguese call centre and complain directly to Santander. Hopefully, at some point they will see the mess and take some remedial action.

"Based on my personal experience"

Based on my personal experience, this is not a bank with a customer service, but a franchise of Segurança 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 😎

"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.

"Experiência positiva"

Experiência até agora positiva.
App intuitiva, segura e depósitos com taxas atrativas.

"Banco 100% digital e sem custo"

Banco 100% digital e sem custo. Abri conta pelos depósitos e ate agora satisfeita.
Bom serviço se atenção ao cliente.
Recomendo

"Recomendo"

Fácil abrir conta, sem qualquer custo.
A aplicação precisa de melhorar.

"Pior experiência possível"

A pior experiência que alguma vez tive num banco. Estive alguns anos sem usar a conta e, a reativação da mesma (devido à lei antifraude espanhola), tem sido um pesadelo. Vários uploads na página do banco, envio por email, vários contactos com o apoio via telemóvel e nada. Simplesmente não passam a informação internamente. Estou há um mês para desbloquear uma conta. Isto passa todos os limites do aceitável. Se querem que eu cancele a conta, já me podiam ter dito isso antes e não fazer este tipo de coisas e fazer-me perder o meu tempo. Não recomendo a ninguém.

"I've been living a nightmare with…"

I've been living a nightmare with OpenBank.
On January 24, 2024, I rented an apartment through the Wunderflats platform. The contract I signed included the landlord's bank details, which were associated with an Open Bank account. On January 26, 2024, I transferred the amount for the first month's rent (February and March) and the security deposit to the provided account. On February 1st, I received an email from Wunderflats informing me that the landlord was a scam, advising me to contact my bank and the bank where I made the transfer. I attempted to reach Open Bank by phone but was unsuccessful. I sent e-mails and tried to call a lot of times but they still didn't give me an answer or a position. It's been a month and a nightmare. I sent all the documents (police report, e-mails, contract signed, bank account...) and in the police department they told me that was the second scam associated with the OpenBank account number. The most important, I still didn't receive my money back. Every time that I try to call or send an e-mail for updates they answer me with the same "Thank you for your inquiry. We confirm that it was received properly and will send you our response shortly."
They called me once saying that they will send an e-mail with the informations that I should send to my bank and I didn't receive anything. Now my bank sent me an email saying "Unfortunately, I can confirm that despite our several attempts, the recall was unsuccessful. At the moment, there is no further action than Wise can take."And I still can't contact openbank.