"Title: The Worst Bank in the World – Slow, Incompetent, and Rude Staff"

If I could give zero stars, I would. JN Bank is easily the worst bank I have ever dealt with—slow, inefficient, and staffed with some of the rudest, most unhelpful people I’ve ever encountered.

Long story short, I had an NHT refund that was supposed to be deposited into my account, but because my account was dormant, I was told it could not be processed. The agent assured me the money would not be sent back—but after nearly two months of back and forth, I found out that it was indeed returned.

Reactivating my account was another nightmare. It took weeks of frustration, endless phone calls, and dealing with incompetent staff just to get my account working again. And don’t even get me started on internet banking—it took me nearly three weeks just to get access, and that was after dealing with a rude and completely unhelpful agent who failed me on DPA verification simply because I couldn’t recall a transaction I made 15 years ago. 15 YEARS! How on earth is anyone expected to remember that?

Every interaction with JN Bank feels like pulling teeth. Everything is slow, the staff is rude, and getting anything done takes way longer than it should. If you want pure frustration, delays, and terrible customer service, this is the bank for you. Otherwise, avoid JN Bank at all costs—it’s a complete waste of time and energy.

"Spoke with a customer services adviser…"

Spoke with a customer services adviser to query a couple of things relating to a fixed term savings account and was astounded at the lack of professionalism and incompetence.

"Tech issue NOT trust issues!"

I also had issues when applying for a fixed term account online but after calling them I was advised to use incognito mode on chrome and application went through without issue. I received the welcome email within minutes.
I think there are technical issues but certainly no trust issues.
Just search for them and see.

"saw JN Bank offering decent savings…"

saw JN Bank offering decent savings rate
lots of glitches whilst applying for account
and now cant create online profile
doesnt inspire confidence will look elsewhere

"Hi was delighted to see a 5 year bond…"

Hi was delighted to see a 5 year bond advertised on the martin lewis site.4.8 %?.I have 3 bonds with JN.i tried 3 times to apply for bond advertised.but showing not been successful. So I rung.that did not get me any where.y waste peoples time.y r u advertising a bond when I am stopped from opening one.false advertising that's how I see it.i had 4000to put in.

"The application process for a savings…"

The application process for a savings account for new customer is an absolute pain.

"Have tried to access my account and…"

Have tried to access my account and have phoned them. I have paid £100 extra to see if I have the right details as was told I would receive an email and got nothing back. So starting to think the bank is doggy. If I'd know about this I would never had got my solar panels done.

"7 months and still can’t set up my online banking"

This is so disappointing. It’s been a catalogue of errors and even more weeks and weeks of delays. Initially the Jamaican online representative, that set up the account, didn’t bother to respond to emails and answer any queries I had. This wasn’t very promising, as I had to set up the account from the U.K.. This was just the start of the whole experience. I applied for my online account in June 2024, 7 months on this still has not been resolved. The latest twist is I am not getting email links to set up my new password. How difficult can this be! It doesn’t in-still much confidence for future banking with this bank

"No one answers the phone in the toronto…"

No one answers the phone in the toronto branch,
i get conflicting information on what is needed to open and account...Shitty jamaican style service

"Too many errors"

Too many errors, too many times having to re-enter the same information I gave up. So after the final 'Oops something went wrong' I gave up...