Bankinter Bewertungen 33

I am sharing this because I am still shaken by what happened and I want to warn others about this bank. I had my life savings sitting in a savings account with this bank. Money I had built up over many years and relied on for day to day living and medical costs.
I was not chasing returns I just wanted my funds to be safe and available when I needed them. The staff at this bank were pleasant the branch looked respectable. My online banking always showed my balance so I believed everything was in order.
Then out of nowhere I discovered my savings account with this bank had been closed. My funds were still somewhere in this banks system. I had no access to them and no clear explanation.
For two months I was left with nothing to live on. At my age with serious health concerns and regular medication to pay for being suddenly cut off from my money was terrifying and humiliating.
When I tried to get answers from this bank I was bounced between departments. Given vague phrases about compliance reviews and internal procedures.
I provided every document they requested. ID, proof of address, statements. More than once. Still no one could tell me when or even if I would get my money back from this bank.
It felt like they were hiding behind policies while I was struggling to cover rent, food and medical needs.
Eventually I learned that I was not alone other customers had experiences with accounts being frozen or closed and funds effectively trapped with this bank.
That is when I reached out to Poma Advisory Ltd. They took my situation seriously reviewed all my paperwork and explained what steps could actually put pressure on this bank.
With their guidance I stopped accepting explanations and pursued the matter properly with this bank.
Thanks to their help I was finally able to recover the funds that had been locked inside that closed account with this bank.
This ordeal has completely changed how I view banks and so called savings.
A friendly face and a polished website do not guarantee that your money will be there when you need it most with this bank.
If your account with this bank has been closed or your funds are blocked and you are only getting excuses of real answers do not just wait and hope it will fix itself.
Get help from people who understand how to deal with these situations like Poma Advisory Ltd before it is too late, with this bank.

Inadmissível. O Bankinter penalizou-me financeiramente por ter tido a iniciativa de pagar um valor antes da data do débito direto. Em vez de eficiência, recebi uma punição "sem apelo nem agravo".

O pior? Tentei resolver a situação civilizadamente e abri mais de 5 tickets no formulário da área de cliente. Resultado: encerraram todos os processos de forma sistemática, sem ler e sem dar uma única resposta formal. Trabalho em apoio ao cliente e nunca vi tamanha falta de transparência e desrespeito pelos direitos do consumidor. Se procuram um banco que comunique com clareza e não castigue a boa-fé do cliente, procurem outro. Queixa formal no Banco de Portugal a caminho. Fujam.

My experience with Bankinter has been disgraceful.

I had more than €100,000 in turnover through my account, it was in good standing, and I always repaid on time. Then Bankinter blocked my account and card access over a bogus fraud allegation tied to routine transfers from my own PayPal account. These were my own funds. There was no legitimate fraud issue.

First, Bankinter told me the account was blocked because it had received a refund request from the payer and that the payer claimed to be a victim of fraud. Later, Bankinter changed its position and said the suspicion came from PayPal. But PayPal’s own complaints office confirmed in writing that I had not initiated or authorized any dispute, chargeback, or fraud claim, and that PayPal had not reported those withdrawals as fraudulent to Bankinter.

So Bankinter blocked my account over an alleged fraud story that PayPal itself denied.

Bankinter did not just block the current account. It also wrecked my ability to manage the linked credit card normally. I had always repaid on time until Bankinter blocked the account without proper reason. My lawyer then wrote to Bankinter stating that the suspension prevented me from paying the negative credit card balance while Bankinter continued charging substantial interest.

Now the fallout is still growing. This morning my lawyer informed me that there appears to be a garnishment request against me and suggested going with me to the branch to get direct clarification. From my perspective, this entire chain of damage started with false allegations over transfers involving my own money.

What angers me most is the shifting explanation and total lack of accountability. First Bankinter said the payer claimed fraud. Then it said PayPal raised the suspicion. Then PayPal said it had not made any fraud report at all. Meanwhile I lost access to my funds, my account remained blocked, my card situation deteriorated, and I was left dealing with the consequences.

I would strongly warn others to think twice before banking with Bankinter.

Péssimo atendimento, nas agencias nunca sabem nada, online sabem mais, mudam as regras do jogo para pior, antes a conta online dava 2 por cento agora só 0,5 por cento, a conta mais ordenado faziam-se transferências, agora só com o código de recibo de vencimento se alguém ficar doente de baixa ou for despedido, ja não serve para nada a conta, perdendo um cartão de debito demora mais de 1 mês um novo, nunca conheci banco pior

Funcionários mal educados. Ligam sem parar de números diferentes mesmo depois de dizer mais de 10 vezes que não queria os serviços deles! Mal educados e inconvenientes. Tudo para vender cartões de crédito e para enterrar as pessoas em dívidas. SCAM!

Very poor fraud management and extremely weak customer protection.

Both my father and I are clients of Bankinter, and we are currently dealing with two serious fraud cases that clearly show how ineffective the bank’s security and response systems are.

My father was the victim of a phishing scam over three months ago. Following Bankinter’s instructions, he filed official reports with both the Police and the Guardia Civil. Since then, the bank has repeatedly claimed that they would “contact him” or “issue a resolution”. This has never happened. We have called numerous times and only receive delays, excuses and vague promises. After more than three months, nothing has been resolved.

In my own case, about a month ago, my card details were stolen and fraudulent payments were made. Once again, Bankinter’s response was identical: report it to the Guardia Civil and wait. Based on my father’s experience, it is clear that this process leads nowhere.

These cases highlight a serious issue: Bankinter’s fraud prevention and detection systems are inadequate. Suspicious transactions are not properly flagged, customers are not protected in real time, and when fraud occurs, the bank appears to shift responsibility entirely onto the client.

I strongly advise anyone considering Bankinter — or anyone already banking with them — to be aware that if you become a victim of fraud, you may be left without support or resolution, even after providing official police reports.

This review is written to apply public pressure so that Bankinter finally takes responsibility and acts, both in my father’s case and in mine.

DON'T bank with this bank! We live in the UK. We had a card cloned and used on our account. The bank did not inform us as they forgot to use the international code. When we discovered the activity we rang the bank and were informed that the information required to sort the problem out could only be sent to our old address (despite knowing we no longer live there), as one has to visit in person to change the address. Catch 22! The same applies if you want to close the account. This is despite the bank encouraging international clients. So if you do not live in Portugal you have to fly to Portugal to sort out problems. Even if you live in Portugal you would have to be concerned that a bank functions at this level of competence. There are plenty of better banks in Portugal.

Intenté abrir una cuenta online compartida con mi esposa, pero la aplicación no aceptaba el número de NIE. Llamé a atención al cliente y me dijeron que la app no estaba preparada para aceptar NIE y que debía ir a una oficina física. Al llegar a la oficina nos dijeron que no realizaban ningún trámite relacionado con banca online. Llamamos nuevamente a atención al cliente, justo cuando estábamos en Bankinter, y seguían pasándose el problema de unos a otros. Finalmente abrimos una cuenta en Revolut, mucho más fácil y sencillo.

Recomendo o bankinter.
Estou satisfeito, no balcão de Santarém a gerente foi super simpática e atenciosa, e mostraram-se sempre prontas a ajudar.
A app funciona bem no entando deve ser melhorada.
É um banco que esta a crescer em portugal, com balcões apenas nos grandes centros urbanos.
Outro contra é, liquidar fundos de contas a prazo para a conta a ordem só dá em um certo horário.

Customer Service rude and not willing to help!
6 phone calls and many hours wasted, still no help!

Péssimo atendimento no bankinter de Évora. Fui atendida por um funcionário Manuel Camacho, muito arrogante. Não sei facilidade em nada! Vou mudar de entidade bancária.

Péssimos em tudo. Apoio ao cliente, informações indevidamente dadas.
Banco péssimo .
Não recomendo a ninguém mesmo !

Iniciei a abertura de conta online no Bankinter Portugal a 24 de março com interesse em diversos serviços do banco, como domiciliação de ordenado, depósitos e investimentos.

Enviei toda a documentação, recebi rapidamente os códigos multicanal e, dias depois, o cartão de códigos matriz. A partir daí: nenhuma informação adicional. Não recebi qualquer confirmação de abertura, número de conta, nem seguimento do processo.

Liguei várias vezes para a linha de apoio – sempre a mesma resposta vaga: “tem de aguardar”. Foram semanas de silêncio absoluto, sem qualquer apoio ao cliente.

No dia 21 de abril, recebi finalmente um e-mail do Sr. Fábio Rato (Gestor de Particulares Sénior), a informar que o processo seria cancelado por “falta de interesse comercial”. Tentei obter uma explicação concreta, mas disseram apenas que foi “decisão superior do banco”. Nenhuma justificação plausível foi apresentada.

A sensação transmitida foi de total falta de transparência e possível discriminação. Nunca vi um banco recusar um cliente desta forma — sem base, sem critério claro, e com total desprezo pelo tempo e esforço despendidos.

O que o Bankinter anuncia no seu site (“abertura de conta sem complicações”, “confiança”, “satisfação do cliente em primeiro lugar”) é propaganda enganosa. A minha experiência foi exatamente o contrário: atendimento desorganizado, ausência de ética, falta de profissionalismo e um serviço ao cliente lamentável.

Sinto-me lesado e profundamente desrespeitado.

Não recomendo o Bankinter a ninguém.

My account has been blocked for over a month, and I cannot access my own money. Despite repeated attempts to resolve this, Bankinter does not take my case seriously. Instead of providing a real solution, they just keep passing my case around—from my account manager to the Provedoria do Cliente Bankinter, with no progress.

I visited a branch in person, only to be refused access to my funds. No one takes responsibility, and communication is terrible. My account manager takes 5–7 days to respond, sometimes does not respond at all, and no timeline or case updates are ever given.

To make things worse, Banca Partner has no physical branches, meaning I have no way to get real assistance. Even at the Bankinter office, they could not help me.

To this day, there is still no solution. This has caused me extreme financial damage, making it impossible to meet essential expenses and obligations. Meanwhile, Bankinter continues to charge interest on my credit card, even though I have no access to my own money to pay it off.

This entire experience has been frustrating, unprofessional, and unacceptable. Bankinter does not care about its customers, and I strongly advise against banking with them.

Este banco não tem "Orientação para o cliente".
Burocracia a mais, para tudo é preciso um papel assinado, o que implica estarmos sempre a dirigirmo-nos a uma agência e isto, sem contar com as comissões com que o banco sobrecarrega os clientes.
Há bancos mais direcionados para o cliente do que o Bankinter.

Tinha uma visão muito positiva deste banco mas isto foi antes de ser cliente.
Abri uma conta empresa e então infelizmente a minha opinião mudou!
A aplicação não funciona, ninguém atende telefones, fica tudo suspenso à espera de resolução Divina! À exceção da funcionária Joana Marques que tudo faz para ajudar.
Na minha última visita à agência, na rotunda da Boavista, a funcionária foi pedir ajuda para resolver um lapso existente na minha conta e ainda tive de ouvir o funcionário " João..."que podia falar mais baixo ou guardar os comentários mais desagradáveis em pensamento....(Para a próxima que feche a porta, ou que fique pelos pensamentos).
Obrigada

It's not a great bank to deal with.

They charge €5 every time I pay coins in from charity collections.

The charge €5 when I take cash out over the counter.

There are often long queues as there is only one cashiers desk.

My "manager" takes ages to respond to emails and sometimes not at all.

They always send literature in Portuguese despite my requests for English.

Extremely slow and burocratic. They keep accounts and money in hostage for weeks and months, there is always one paper more to sign. The operativity is terrible, you can't move money easily, there are many blocks that you can remove only by calling and going in person. My experience with a corporate account.
They are really behind.

Nada a apontar de negativo, desde a abertura de conta ao credito à habitação, tudo de positivo, rápidos e honestos.

No passado dia 06/03 apresentei uma reclamação à provedoria do cliente do Bankinter devido ao capital muitissimo in accionado considerado no MR Habitação "imposto" pelo banco como condição para manter a bonificação da taxa aplicada.
Após muita insistência responde o meu "gestor", no passado dia 02/04:
"Tendo o seguro sido contratado pelo valor para seguros que consta no Relatório de avaliação, o mesmo é calculado tendo em conta os custos diretos e indiretos de reconstrução do imóvel em concreto (página 5 do relatório de avaliação)" Então, e além de não cumprirem com os valores de reconstrução publicados em Diário da Republica conseguiram com esta avaliação acrescentar mais 27m2 ao meu imóvel e cobrar por esta área inexistente.
Por outro lado obrigam-me a pagar uma actualização de capital anual de 6,50% quando a indicação da ASF é de 3,26%.
A resposta à reclamação no livro de reclamações junto da seguradora gestora é que o capital é da responsabilidade do Tomador (Banco) e que a actualiza+ão tem a ver com a data do Imóvel (NOVO) e do Cliente (estamos a falar do seguro de paredes e não de vida)
De facto a taxa contratada foi competitiva mas de resto prestam um péssimo serviço e têm a pior linha de contacto que já conheci recorrendo a IA em que o cliente desiste antes de conseguir falar com alguém face à incompetência do serviço.
NÃO RECOMENDO DE TODO