Openbank Portugal Reviews 194

The worse online banking ever, costumer service is zero quality, no commitment with the costumer, lack of professionalism! I'll be closing my account .

Absolutely pitiful.

I tired to call them the other day - I got an automatic message saying that it wasn't possible to connect the call...to the BANK! In the middle of the workday and work week. They suggested emailing, which I did.

After emailing them, they replied saying they would make a one-time exception to working with me on this issue via email/calling me themselves.

I reminded them that I was only emailing them because it had been impossible to call. They responded by saying "sorry about the inconvenience" and that I could call back, now.

The lack of professionalism is mind-boggling. Exceedingly poor.

Not to mention that the card doesn't work half of the time at Portuguese businesses, even major grocery store chains like LIDL, and each time you call them, you are asked for your ID several times, security pins, etc. It's tiresome, especially when the customer service is exceedingly poor.

UPDATE:

This review was written after trying to contact them several times by phone and email, to no avail relative to the original issue.

As regards Open Bank's response below: they said they would contact me privately- they did not. Except to ask for identification to confirm my identity, as per usual. Not a trustworthy bank.

Customer service is below zero,the lady answered the phone name Malina,as soon as I asked can I speak with you English and she hang up the phone to my face without saying any word.
At least she could say no fala English 😂

Muito prestáveis, simpáticos e de confiança!

Your company is the best and i would want us to work together

Tudo funcionou bem desde a abertura até ao fecho da conta.

With the exception of repeated requests for a copy of the ID, which has been resolved without any problem, all is going perfectly.
The most important now is to continue and persevere on that way.

The opening has been very easy and the management of the bank account is really easy.

Sem queixas, e rapidez nos processos via call center

Very good untip now. Opened account on 1 February 2025

Hi. I'm Portuguese citizen living abroad and have tried several times to open a Openbank.pt account and receive the common white screen (that i'm ready here with other reviews). I opened my Openbank US account with ease. Tranfered funds and was in my new account the next day.

I tried 4 times to open an account online with OpenBank. I get to the end of the first page of the application and enter my NIF number and press Following key. The screen moves to blank white page and nothing else happens. I have inquired about it over the phone and get the response someone will get in touch with you. No one has. I have sent two emails and nothing.

Based on my personal experience, this is not a bank with a customer service, but a franchise of Segurança social, which employs people that would otherwise be really unable to get any, and I mean any, employment anywhere.
The Portuguese version of an otherwise good global brand, is an excellent example that even a salary of€1,000pcm is too much for young Portuguese with literally zero!!! communication and other abilities.
Blocked debit card, card cancelled and another one not sent, misspelled name on the card, requests for documentation they have been long in possession of...the list is endless.
I truly wish to all of them, when necessary, to be taken care at a hospital by people who are as competent as they themselves are 😎

I was a client of Openbank (OB) for about 3,5 years and, at first, I liked some nice features they have in the site and also their Customer Service through free calls.
I just used the card when I traveled and also used the virtual card only a few times.
However, I noticed that even using both cards rarely, I began to have some issues.
Just a few examples:
1. In August 2021 I made an online payment. This payment was never confirmed either by the bank or the website and so I thought it had been canceled. One week later, in the bank website, they said the payment had been made. Afterwards and for about one week, the amounts I could see everyday in the different parts of the site were completely different. Either they disappeared, either they came back with different values. After lots of phone complaints everyday during a week, finally there was a solution for the problem. Only more than 15 days after the payment I could see the right amounts in their website.
I was informed that the reason for all this mess were “Software problems”.
2. In July 2002 I used the physical card in NYC several times. In about 4 or five times, I could buy tickets (100 USD) and many other things without the need of any PIN.
3. In December 2023 I had to update my identification card. I tried through their website, as they suggested in their email, through an encrypted connection. It never worked. So I decided to send them an encrypted file with the photo of my ID card. They refused to accept this file and wanted to force me to send the photo by email, without any encryption, which I never did.
4. In February 2024 I decided to check the OB Spain reviews on Trust Pilot. Then I realized that what was happening to me was not a coincidence. 1 Star – 74% and 5 Star – 16%. As I also didn’t see any solution to update my ID card and as I stopped trusting these people, I decided to withdraw all the money I had there in the same day I checked Trust Pilot, but I didn’t cancel my accounts because I was curious to see if they would release the tax declaration on the website, which is mandatory. And, as I was expecting, there wasn't any tax declaration at all. Fortunately, I didn’t need it. They informed me, on May 15, 2024, that I had the Tax declaration in the website. One month later than the usual date. As I already had canceled my accounts, this seems like a very timely coincidence.
5. In April 2024 I tried again to check if I could upload the file through their site. This time it was even impossible to visualize the place to do it. I asked them what was happening and never got any answer.
6. There were many other unacceptable situations that I don’t mention here, otherwise this would be a too long review.
Comments:
Concerning item 1, this is unacceptable in a bank or in any company. I had the opportunity to see how Customer Support works. This is nothing but a rather bad Call Center, where anybody is responsible by anything (I make only one exception to a person that was really professional and responsible). They just say they are going to report and, many times, they even don’t write anything in the system. They also say that clients will be contacted in 24/48 hours which never happened. These people are the exact opposite of good professionals. They are unprepared to deal with clients and they have bad faith. As I had made several complaints and had withdrawn all the money, they just stopped answering questions and didn’t release the tax declaration on time. Disgusting, is the least I can say.
From my point of view this bank is not a trustable nor a safe bank. Besides I also have a lot of doubts about the way they treat our data. This is a digital bank and that should be one more reason to have an encrypted channel in their site to make the bridge between their clients and the bank. They have it but, as it doesn’t work, they force people to solve the problem the easiest way, instead of solving their problem.
All these facts speak for themselves, so the question “Is OB really a bank?” is relevant, in my opinion. And the answer is no. OB is “a sort of a bank”, because, in a real bank there are not all the issues I described before and, besides, all this happened with an occasional use of cards, not intensive.
I’m a client of several banks and I’ve never had issues like these in any bank.
I’m glad not to be a client of this bank anymore. I chose another one to my trips and it’s something completely different.

I've been living a nightmare with OpenBank.
On January 24, 2024, I rented an apartment through the Wunderflats platform. The contract I signed included the landlord's bank details, which were associated with an Open Bank account. On January 26, 2024, I transferred the amount for the first month's rent (February and March) and the security deposit to the provided account. On February 1st, I received an email from Wunderflats informing me that the landlord was a scam, advising me to contact my bank and the bank where I made the transfer. I attempted to reach Open Bank by phone but was unsuccessful. I sent e-mails and tried to call a lot of times but they still didn't give me an answer or a position. It's been a month and a nightmare. I sent all the documents (police report, e-mails, contract signed, bank account...) and in the police department they told me that was the second scam associated with the OpenBank account number. The most important, I still didn't receive my money back. Every time that I try to call or send an e-mail for updates they answer me with the same "Thank you for your inquiry. We confirm that it was received properly and will send you our response shortly."
They called me once saying that they will send an e-mail with the informations that I should send to my bank and I didn't receive anything. Now my bank sent me an email saying "Unfortunately, I can confirm that despite our several attempts, the recall was unsuccessful. At the moment, there is no further action than Wise can take."And I still can't contact openbank.

r42 card
I have the r42 card contracted and the truth is that it works quite well. I recommend this type of bank

I was unable to withdraw funds from my current account!
Only on the third attempt did I succeed!