BankQuality.com allows you to rate your banking experience and help all our readers to search for the best bank product or service in the country you live.


Komaleshwari
14 Jun, 2019

Hi Friends! now I like to share my experience about citibank.

Hi Friends! now I like to share my experience about citibank. In this modern world every one needs a bank account. On that same way I also last year applied a bank account for this bank. The main sick is minimum balance we balanced 1000rs above. Then they took one month for account opening. Mostly y we used mobile banking or else net banking? because of us comfortable and saving timing. But through mobile banking or net banking what ever its most of the time we received a message transcation failed. Server error prblms. Suppose if we applied a loan they put a 30%interest. At the same time we deposit a amount, which means we got a low interest for our deposit. Netbanking transcation charge also high. Coustmer care is very lazy. So uneducated peoples suffers from this service because of their's uncomfortable work. Comparing to anyother banks its pathetic to manage. Uncomfortable and waste of time and energy.
               Comment  


Shashank Sinha
14 Jun, 2019

I booked tickets through kotak Mahindra bank a few days back.

I booked tickets through kotak Mahindra bank a few days back.When I check now, I see that the debited amount is back in my account.When I contacted customer support, they said the merchant didn't complete the transaction from their end and hence the money is back in my account. Now I have tickets with me for which, I didn't in effect pay for. The customer care of the flight service said the booking status is confirmed. Worst thing is the transaction marked as earmarked is not shown in my account statement anymore.How do I say that I got the tickets after paying for them now?I don't have a record that I paid for them because they were earmarked by Kotak Mahindar Bank
               Comment  


Rahul Gulati
12 Jun, 2019

Good services with good staff members!

I have an account at HDFC Bank and as per my own experience the banking facilities of this bank are amazing as compared to others. The employees in my home branch are very friendly, so I get my work done very easily. They always ready to solve customer’s queries. As per my experience, I want to give 5 stars to this bank!
               Comment  


Jyoti Sharma
12 Jun, 2019

Internet banking is not so good!

The internet banking always seems to be down, I personally caught up with their service where I had to transfer funds online for an emergency and was unable to do so because of their banking service was also momentarily unavailable that too in the same month twice!
               Comment  


Gaurav Dhawan
11 Jun, 2019

Don’t want to give a single star to this bank!

I have an account in SBI bank but recently I have decided to close my account from this bank. There are hundreds of reasons for closing account from this bank but can list only few. 1. If you want to deposit money in any branch of some other state, it is impossible with it. 2. CDM is not supported by this bank 3. ATM machine is not working properly 4. Within every 4 to 5 days, some charges are deducted from my account uselessly. I don’t know for what those deductions are made. Finally, I have decided to close my account with this bank.
               Comment  


Samrat Yadav
7 Jun, 2019

Always doubted Kotak Mahindra Bank but now it's 2 years, and I can say I am satisfied and I wanna share my experiences with Kotak Mahindra Bank.

I have contacted Kotak Helpline many times and they have responded very well with their caring efforts. The helpline itself is so easy, Yes they have a voice assistant on Calls, so you don't have to type. I like even the authentication process on Kotak Helpline. Then the executives interaction skill and helping attitude really got my attention. I have called Kotak Helpline even at 2: 00 AM, because of my office timings haha and they helped me thoroughly. -Kotak Bank App is now very mature, It provides all the basic information about your account and linked accounts. You can easily access your statement from the app itself. Transfer money, Recharge, Pay your bills etc. -You can even apply for loan and credit card from the Bank App itself. -I never had any issue with payments, otp, online transaction etc. Reading previous reviews I feel am very lucky. They delivered my 1st Credit Card on my last birthday, and I really enjoyed it, I am still paying for it though.
               Comment  


Rahul Mehta
7 Jun, 2019

Don’t go to ICICI Bank for loan services!

I am working in Infosys Pune, India. I took a personal loan from ICICI Bank and they gave me without any pre-closure charges because I work in Infosys. Now, when the loan is closed, they charge me pre-closing fees although I am still working in Infosys and also they behave very unprofessionally. They are not trustworthy. So be careful while doing any transaction with ICICI bank.
               Comment  


Manish Sharma
4 Jun, 2019

Lazy, unprofessional employees!

I have an account in the HDFC bank and I regret my choice to open the account here every time I visit the branch. The bank is always crowded regardless of the day of the week, not because it is great bank but the management is extremely slow and doesn’t care about your schedule. It has been 3 months since I applied for new debit card and every time I cross check I get the same reply that will shortly be at my doorstep.
               Comment  


Pete Be
3 Jun, 2019

Customer service is not good!

About a day I tried customer service and made many calls. Everyone in phone banking is trying to escape, which is the bad part and they keep transferring the calls to the other department. So, I decided to close my account with Bank Of Queensland Limited. I suggest going to another bank and choosing wise.
               Comment  


Nandhu
31 May, 2019

SBI - Friendly banking

I am an SBI user...I have been using SBI for past 5yrs...really feeling very comfortable using it. They provide very good services in everything for me...mostly I use net banking...very secure and comfortable too. Transfer options are available in different ways.., customers can choose based on their preferences ...They provide the separate app for the android device too. On a whole very good banking services I strongly suggest to everyone. Most trusted bank...
               Comment  


Bel
14 Jun, 2019

Bad customer service

One day I brought my son to DBS- Plaza Singapura branch wanting to open a kid’s Account. Before that I tried to get a SMS ‘Q’ but unsuccessful so I called the bank and the officer ask me to go down to get queue no. Because they are unable to give me SMS queue no. For account opening. When we reached there, the staff told me that I have to wait for 3hours because there are 6 customers before me. They need half an hour to serve each customer as they are also opening new account. Wow!! That is ridiculous! I think never mind and just left. Last Friday, 3rd May 2019, I went to DBS-Alexandra branch to withdraw my money, cash $100K. The counter cannot give me an answer and ask me to wait, I ask her whether they have $100K for me, she is not sure so I asked her, Is it that I need to reserve cos it is a huge amount. She is not sure either. I am busy on that day to wait so I told her to reserve $100k(big notes) for me on 6th May 2019, I will come and collect. She said ok and she wrote down my mobile number. Today morning, 6th May, she called me and asked me to go down and collect my money. As per normal, I went down, take queue, she serve me from 3pm++, she asked me to wait while she need to take out the money, she still continues to serve other customers until 4:30pm the bank close, I almost yelling at her. She brought out the money and is all $50 notes of $100,000. (I asked her, is it all $50 notes? No big notes? How am I going to carry all these $100K with me like these?) The only reply I had from her is : You want or not? No big notes! I am so angry but no choice and just let her machine-count in-front of me. Then after finish counting the $100K, she gave me 2 big envelops Of money, I asked her whether she has a bag or so, she said that’s all she had. I am so angry and nearly return all the money. Then the manager came out with 2 plastic bags. I am not sure is this suppose to be DBS standard of customer service? This is thr worst customer service I had from Bank.
               Comment  


Oh Gabriel
14 Jun, 2019

Amazing DBS service

I am writing in to compliment four amazing, knowledgeable, friendly and warm customer service representatives. This is going to be a long story but I will cut it short and sweet for your eyes. It all started at around 8pm. I was running through my account via ibanking and I realised that I was left with a lower amount then I last saw at 3pm. So I made the first call. I was first served by Bianca from the Fraud Department, she was good. She can multitask. She was calmed as I was already stressed out with the incident. She calmly advised me of the fraudulent transaction made via agoda. She advised me to have my Passion Debit card to be firstly deactivated and that she will send in the request to have a new Passion Card sent to me. Within 3 to 5 working days. She also advised me that she will escalate to the relevant team for further investigation. The call ended well with her advising that all escalation will be advised accordingly. I will give her a score of 10 out of 10. Subsequently, I called again the second time to requwst for more assistance as I had forgotten my pin to my Takashimaya debit card. I was patiently assisted by Jamie. She was fast to look into my case and advise me of the action. I did a third call and this time was assisted by a gentleman named Kell also from the Fraud Department. The call was made to fo a followup call action against Agoda. Confusing right. I am very impressed by the Fraud Department team. They deserved an award for this. Lastly, I was attended by Nurul from the Credit Card Department. I called in to advised her of the update from Agoda. I asked her on how long is the process once the booking and transaction has been made by Agoda she advised me with a question which I truly appreciate. Her voice was like a suspense. Mr Oh; you have 2 options. One is to inform Agoda to get their merchant to call the bank to authorise the refund and have it credited immediately or Option 2, wait for ten working days. She was the ultimate saviour. O
               Comment  


Diwakar
12 Jun, 2019

From Good to Bad and then Ugly

1. Relationship Managers are of no help. They are there to sell you the plans which benefit the bank at your cost. They have no idea about the products that they are selling, nor do they have any idea about your customer profile or in one case even your account details 2. There is no direct contact with relationship manager. The phone will always go on voicemail and then the so called manager will call you back at their own sweet time which is often an inconvenient time for you to take call. The mail ID shared with you is standard customer service ID. Again, the impression they are creating is that they want you to stay away and your money to stay close to them 3. There is no way to escalate the issue if you are not satisfied with the services or assistance you receive 4. Their ATMs were first to go cashless during demonetization and stayed that way long after. While other banks worked overtime and went out of their way to help the harried customers (ICICI opened outside tables and worked longer hours to meet customer rush, IOB proactively reached out to senior citizens to handle their cases on priority), HDFC was at best business like and at worst outright rude to the customer rush 5. There is no effort or intention on the bank's part to make a personal connection with small investors 6. They would slap the charges and penalties at the first opportunity and would not reduce or wave off their own charges, interest rates, fees by a single paise irrespective of how long you have been banking with them or how many types of relationships / accounts you have had with the bank 7. Their credit card online interface looks dated when compared with citibank and Your transactions do not appear online for next three days 8. They would not remind you to pay the bill and slap the late payment fee and interest immediately after the last date. The whole thing seems designed to make you skip payments. Citibank on the other hand, sends you a reminder message three days
               Comment  

BPI
 
1 Stars | 27 Reviews | Write a Review

Joko
12 Jun, 2019

Save yourself from a headache

The first day I claimed my atm card, they already made a few lapses about my card, which was not a good sign to start a relationship, but I was patient. I decided to register to your online banking at the branch so as to avoid any problems. There are just so many lapses that I can't count. In the end, I am not able to log in to my online account even tho i was able to activate it via expressOnline in the atm machine. It was a long story but simply put, they were not able to help me access my account & I am already being assisted by the teller & the support agent. It was not even that complicated. I've been back & forth at their bank 4x already, & i called the hotline 3x & yet to receive a resolution. I have to repeat my concern each & every call w/c goes to show that their CS quality is substandard. On top of that, i have to wait for 20 to 30 minutes to be able to speak with someone. You cannot imagine how stupid the process were. There are just so many but let me give you one. I was advised to reset my password via atm. In order to do so, i need to fill up the information online & one of which was my JAI. To know my JAI, i need to log in to my account lol. Basically i am trying to recover my password, but I would need to log in first. That is just retard. And even though i was able to acquire my JAI, it didn't help. Like i said this is just a minor concern but they're unable to provide resolution. I looked at the reviews online & there's just too many people having problems with their system even as simple as updating a phone number. I remember going as far as troubleshooting my own account because the support representative was useless. All they keep saying was " i will file a report" & on the 2nd call " i will follow up on the report" & on my 3rd call "I will escalate." Dude, it's been over two weeks? how would they suppose to handle if i was victimized by a fraud. Imagine that. if you're considering opening with them? Beware!
               Comment  


Berline Lim
11 Jun, 2019

iBanking issues

Hi CIMB Management, Till date I had yet to receive my ATM card. As you can check from your system, there is no activation of ATM card. I personally went to the same branch – Raffles Place after 1 month plus from the date that my account was opened. I told the lady at the front – 1st point of contact that till date I had yet to receive my ATM card despite me receiving my ibanking device. She told me that it will take a while for the bank to post the ATM card and I asked what is the turnaround time is but she said she is not too sure but if I still did not receive the ATM card, I could always call the hotline to request. After another month or so, I still did not receive any ATM card and my ibanking encounter some issues which I’m unable to login despite keying in the correct ID & Password. I decided to call the hotline. A guy spoke to me and I highlighted my concerns to him – ATM & ibanking. The guy told me that for the ATM card, I have to go to the branch to request for it and I could collect immediately on spot as the bank officers would issue over the counter. The ibanking issue, he told me that I would need to reset the password with the activation code which was sent to me. However, I had misplaced it and he assist to send a new activation code to me via post. In addition, since late September I had logged in via mobile banking and ibanking and wish to transfer some funds to my DBS account due to some emergency BUT there is no drop down list for me to even select my account. Definitely this is your system issue! As of now, 9 Nov 2015 at 12.30am I tried but encountered the same problem! Also I got suddenly kicked out and when I try logging in again, it told me that I have exceeded the number of login tries. I want a good explanation and solution on the service lapse and IT system failure which caused me so much disappointment. I regretted recommending my friends and colleagues to your bank services and products.
               Comment  


Binal Patel
7 Jun, 2019

Failing miserably

As repeated a number of times by phone I will explain my experience with your bank over the last year: In February you deducted payment from my account TWICE when confirmed over the phone that no payment would be taken. Following this I attempted to make numerous unsuccessful calls. In August I raised a formal complaint regarding the above and requested for the payment to be refunded, neither of which were carried out. As per FCA rules you failed to acknowledge or respond to my complaint. Once again, to follow up on this I unsuccessfully attempted to speak to someone over the phone a number of times. In December I raised another formal complaint (which I still await acknowledgment of). The money was refunded however after 11 months I would regard this utterly unacceptable as to why this could not have been done when I called in August? I also advised that my secure key does not work and would like to be sent a new one. After receipt of a new secure key I have found that in order to register it I am required to input a code from my old one - which does not work! I am now in a position where I'm unable to reconcile my bank account as I cannot log in, cannot get through to speak to someone on the phone and am frankly being ignored. In a financial age where customer service is key you are failing miserably. I'd like to inform you that I will be reporting your breaches (regarding the complaints) to the FCA, raising a complaint direct to FOS and will be switching banks after 15 years with Maybank. What I would I like from you at this point is to be able to access my accounts! Please do not ask me to visit a branch as I do not work or live within easy reach to a branch. I hope that you will not ignore me once again and look forward to your response.
               Comment  

OCBC
 
1 Stars | 21 Reviews | Write a Review

Dawn Ho Mei Zhen
7 Jun, 2019

Discrimination at OCBC

I'm rather piss off when I went to OCBC temporary Compasspoint Branch to change the new notes for CNY. Checked online that notes available, upon arriving, all notes are not available, not even the good as new. However, a guy who came in after me was asking to change new notes was told there is no more new notes and he asked for Roland. The staff went in and later a guy (which I believe is Roland) came out and told him to join in the queue and asked for him when he is at the counter. I stay on as I need to reset my ATM pin number. While I was at the counter, I tried my luck again and ask if there is anymore new notes. Was told no more. But the guy who walk in later then me happens to be at the next counter and I heard him asking for Roland again and he managed to change the new notes. I asked the counter staff you told me no more ? She said his is under reservation so I said can I reserve then ? Which the lady was telling me actually cannot reserve. Roland overheard our conversation and say no need reserve, just come tomorrow at 11. I call in to OCBC and asked today. Was told only Premium customer can reserve the new notes through their relationship manager. (P/S : If that guy is a Premium Customer, Roland would have told me so, but he said nothing, just ask me to come back at 11 the next day) I cannot understand why OCBC has to discriminate us. Why Premium customer only ? Cos they are rich enough to open an investment account with $200k and above ? Or only the rich is worthy to give red packet during the CNY? If OCBC thinks it is not discriminating, I'll tell you what is not discrimination. POSB has a online reservation for ALL, NOT ONLY THEIR PREMIUM CUSTOMER. THIS IS WHAT I CALL NO DISCRIMINATION
               Comment  


Arpit Miglani
4 Jun, 2019

No integrity

I don't know how you guys call yourself no.1 in banking industry if you do not know how to service a single customer. I have a ECS mandate issue for 3 months and it has not been resolved yet. Your customer care guys say go to branch and branch says call the customer care. 1st month(December 5, 2016) - Your customer care guys told me that sir the issue will be resolved you do not need to do anything and i stayed quiet but nothing happened, i had to manually deposit my EMI and when i called your customer care for this they said sir this is a ECS mandate issue, but why the hell you miscommunicated i asked them to give me that in written. 2nd month ( January 5, 2016 )- I went to Sushant Lok branch in Gurgaon and had a discussion with manager, he very politely said it is not in our hands pease call customer care. I said ok, let's do it. I called your customer care again and they said this will be resolved , i said ok. Unfortunately, the amount was automatically debited from my other account in second month and i also transferred manually ( as i did not trust )though it was reimbursed later ( Thanks for that ) . 3rd month ( February 5, 2016) - I though issue has been resolved but all the things were there same as before, nothing was deducted and when i called customer care they said . Sir, you need to visit branch and when i went branch they said please call customer care and then when i again called customer care, they said its not updated yet, please wait for 5 days it is not updated in the system. Do you guys have any integrity towards your customers? Do you guys have any system ( when to ask customer to call or when to ask the customer to go to branch ) I am really frustrated
               Comment  


Ravi Ninjar
3 Jun, 2019

Security Flaw

There is a serious security flaw in the ICICI Bank online system. To give some overview, I recently opened my HNI Account with ICICI wealth management. I collected my Debit Card and ICICI Bank Online Username from the base branch on 28 Sept. I was able to generate password for my Debit Card as the system is helping enough to generate one on the go to use my Debit Card. But with my online account, there is a catch. As I was in the branch I wanted to activate my online banking as well so as to start operating my account. Now, the username in the welcome kit provided was not functional. So the Staff at ICICI Bank checked and gave me a username to operate my account. I did all the formalities to generate password for the online account. As soon as I registered for the online account, I was shocked to see that the Welcome Screen was showing " Welcome Back "XXXXXX". I knew for sure that this is a mistake. The staff knew that it is a known error and told me to contact "Call Center" to get it rectified. In essence, I am now able to login to some other account. If I am logged into someone's account, I can easily transact on the account. But I am worried, that someone else could also get access to my account. Today is 2 Oct and the staff did not act anything on it. Please rectify the systems as it is a very major security flaw for ICICI Bank and it could lead to someone losing hard earned money.
               Comment  


Onkar Tiwari
31 May, 2019

Poor service

Shitty service is what you get and can expect from JCB. We live in such a modern world, yet they are so backwards in so many things. If you don't have your debit card at hand you practically have no control on your account and can't actually do anything on it. Their phone banking sucks big time. People who call themselves phone banking officers don't actually know they are doing and mostly provide wrong, incorrect and unclear information. I asked them if they could reissue my card because mine was damaged. One of them started pitching an upgrade. I said no and asked him specifically if my card will be blocked instantly or when will it blocked? He replied, it will be blocked only once I'll receive the new one. Only on that condition i agreed. But yet it was blocked instantly. I faced humiliation in restaurant trying pay thrice via my card. Yesterday i asked them on call about the delivery of my card and pin, a lady answered it'll take 5 more business days at least, so i went to the green park branch to withdraw cash, there i asked when will my card be delivered? The extremely arrogant bank person replied, tomorrow! That guy had an attitude problem. Not just me but other customers around me found his behavior so rude, he got a nice scolding. Poor service.
               Comment