Review Time
Good interest rates but I'm not good using chase app so got my daughter in law to transfer all my savings back into my Halifax account as I'm more familiar using the Halifax on line banking maybe when I have saved for what i need this year I'll start to use my chase account again more regularly
To date I'm very happy with the offering from Chase, as their current boosted savings rate for new customers is the best I found and the cashback on the current account is an added bonus.
When these lapse, however, I will review market offerings and may move my accounts elsewhere. For now, I'm happy.
Potential and existing customers should be aware that if you close your account, you will not be able to open a new account later. I was warned about this when I requested closure of my account in March 2024, having used it as my main account for two years. I recently tried to open a new account but was asked to use my old login details and provide all the necessary ID to access it. However, it was only after completing all those details I was informed that the current policy denied the opening of the old or a new account. Apparently, for two years this policy has been "under review" as I was advised when I closed the account and again in the last few days. It doesn't appear that the Bank holds a "Blacklist" of previous customers, but it certainly seems like it, as I have never experienced similar problems with other banks.
I haven't encountered any issues yet; I opened a savings account and the interest rates are fantastic every month. When I was scammed, they refunded my money. The only drawback is that they don't provide credit cards, which I don't urgently need, but it would be nice to have.
Terrible experience with the payment process. I attempted to pay my tradesman and went through all the necessary security checks on the app, only to have the transaction put on hold. Now, I'm left waiting for a callback because no one seems available to assist. Had I known it would be this challenging, I would have just used my other bank account, which has never caused issues. This situation has been extremely inconvenient and has left my tradesman waiting for payment, making me look unprofessional. I cannot recommend this service and will be closing my account after this experience.
My experience with the company regarding international supplier refunds has been disappointing, as their process does not comply with UK credit or debit card regulations. Even when I raised a complaint, they did not handle it properly, seemingly extending the process in the hope that I would give up. I have never encountered a financial institution that outright refuses to acknowledge complaints or provide a reference number. Their customer support appears to be located outside the UK and seems to disregard regulatory guidelines. The entire situation feels insincere, perplexing, and extremely frustrating. The company falls short on transparency, compliance, and fundamental customer care.
If I could go back 20 years and select a different bank, I definitely would. They seem dependable until you actually need assistance. If you maintain a good standing and just meet the minimum requirements, they won't offer help when you need it. It’s only when you start using credit cards and trying to enhance your financial situation with business accounts that their shortcomings become apparent, especially in critical moments.
The requirement to access the App only with a passcode is excessive, especially considering the £90 fee for a replacement if it's forgotten. This level of security seems unnecessary when other banks provide sufficient protection without such drastic measures. Had I known that forgetting my passcode would lead to being completely locked out of my savings and current account, I would not have signed up. Now, I'm unable to pay bills or buy food until I get a new passcode. This situation is extreme and frustrating. As a result, the company risks losing not just my savings but also my family’s business, which could have been worth £150k. Other banks seem to have a better grasp of customer security without these issues.
Initially had a promising interest rate for savings, but it decreased after the first year. I've come across multiple reviews echoing this concern, and the common response seems to be to 'watch for potential future promotions.' Why should I have to be on the lookout? Why aren't these promotions automatically applied? Why are new customers given better treatment than those who have been with the service longer?
This is by far the worst banking experience I've ever had. Once the company closes your account, they fail to communicate and display poor customer service. They seem to hold onto your funds indefinitely. I strongly advise against banking with them!
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