"Opened a new Savings account online on…"

Opened a new Savings account online on 18th November which was very straightforward. Tried to find out today (20th) why the funds I had transferred to JN on 18th were not showing in my new account. It took 70 minutes listening to their recorded messages that my call was important to them (!) before a team member told me that they were having "technical difficulties" loading incoming funds. Either they are unexpectedly busy, or there is something very wrong with their administration? Beware!

"Deposits not showing in account"

Opened a 3 year fixed deposit account with no issues. First transfer of funds went through straight away and was shown on my JN bank UK account. 2 further deposits made the following day (17 Nov) but neither transaction is shown on my account as of yet (20 Nov).
Eventually contacted customer services after holding for 90mins and being told every minute that my estimated wait time was 2 mins!! Customer services said there was a technical issue and all deposits would be shown by 17:00 tomorrow. A standard email to all customers explaining the situation would have been sensible way to inform customers

"Save your sanity..avoid"

I opened 1 year fixed rate savings, made deposit but nothing showing in my account.
Checked with my bank that sent it and they confirmed it's gone .
Sent messages to JN but no reply. Tried calling but after 1 hour and 5 mins gave up even though kept getting the your wait time is 2 mins..what a joke.
Get more staff ,answer the phone!!
Do you realise how absolutely annoying this is??
My advice go elsewhere and save your sanity.

"Hard to get through on the phone"

Hard to get through on the phone - waited over an hour so far and getting repeated messages for the last 50 minutes that the waiting time is 2 minutes, so no clear indication of how long you need to wait. Other banks seem to have got better at customer help by phone. Transfer of funds to new account also not smooth. Not happy so far and worried for the safety of my savings with a bank that can't provide decent customer contact

"Just opened my first savings account…"

Just opened my first savings account with JN Bank via their website, process was very simple and straightforward and account was opened immediately.

"Disappearing Money"

I opened a 1 year (5.9%) fixed rate savings account and transferred in a couple of deposits, which showed on my balance pretty immediately. On Friday 17 November I made another transfer that did not show in the account. I had also made a subsequent transfer today (20 Nov, before I knew the 17 Nov money was missing – I have never had an issue like this with a transfer so did not expect it this time), today's money reached the account immediately.

Confirming with my sending bank that all was in order their side, I then called JN Bank as soon as their phone lines opened at 2pm on 20 November.

Finally spoke to someone at 2.30pm. The person I spoke to was initially a bit dismissive but I asked that she looked into it. She took details and then said she couldn’t see it and would send a request to another team to see if they could see the money and that I would get a response within 2 working days. As she could not transfer me to that team, I asked to speak to a supervisor as I was concerned as to where my money had gone. I was put on hold again, then told no manager was available but we could request a call back – turnaround time, another 2 days.

1 hour 10mins after first calling, I gave up. My sending bank have raised an investigation and I will email JN Bank customer service instead in the hope of getting some resolution (hopefully within 2 days!)

Overall, this is the first time I’ve used JN Bank – not a comforting first experience. I'm really hoping for a swift resolution.

UPDATE 21-11-23: I received a message from JN Bank yesterday evening (so 7 hours response time rather than 2 days, thankfully) telling me that they updated their systems over the weekend and this had led to delays but that they had now processed the funds and that interest would be credited from the date of payment being sent. When I checked my bank I’m pleased to say that the money is now showing in my account. So, after a worrying time all was resolved and hopefully they’ll be no further issues. I've changed my rating to 3 stars - better than my rating yesterday but still not the smooth process it should have been.

"yes i agree that the application…"

yes i agree that the application process was fast and straightforward. Logging in using sms code and password is good. however i sent a couple of messages, automatic acknowledgement was received via email but no response for my queries yet. hopefully soon in order for me to transfer money to my newly opened account.

"Fund transfer to Fixed deposit account but not shown on the Balance"

Opened an 1 year fixed deposit account with 5.90% rate, the process was smooth and quick. I funded the first deposit on the same day and the balance was almost immediately shown on my JN bank UK account. But when I transferred the second deposit to JN bank UK on 17 Nov, such transaction was not reflected on my account. I have double checked that the money has been transferred from my HSBC account.

I tried log in to check the account balance on 18 & 19 Nov, but the balance also doesn't shows the money transfer. I emailed to customer services on 17 Nov but no response up to now 20 Nov. Such problem and uncertainty was never experienced in other bank or building society.

"Waste of time …"

Tried to take out a fixed savings with them signed up for it had no email off them and they didn't bother to respond to my emails or a return phone call.. Waste of time

"Clarity and Security"

Wow, easy to understand process but secure. Very clear documentation and an immediate application result. Service par excellence!