Keytrade Bank Reviews 

Credit card arrives, i activate it, doesnt work. I try calling keytrade, 1 hour waiting in queue, then the system tells you they cannot answer due to technical problem. Great. Now what? You delivered faulty credit card, wasted my time and money on the call, and problem unsolved.

It used to be a refreshing digital bank... and it turned to be the worst bank experience.
Keytrade doesn’t innovate anymore. They don’t even try to catch up with basic offerings. Using Keytrade feels like going five years back in time.

The worst part? No support at all.
They sent my new credit card to the wrong address. I have no idea how they even managed that. I can’t get an answer from them, and… I can’t get a replacement card either.

As a result, I’m stuck without a credit card and it was my main one.

It’s been two months.

I switched to a competitor and got a new card instantly.

Ciao

I used to like keytrade, but I can’t specifically tell when that changed. Recently, I’ve been having recurrent issues despite sufficient funds on my accounts.

Sometimes, my cards fail without explanation or require my pin to be entered for a 3€ contactless payment when the card has not been used at all that day.

I’ve had issues with Paypal twice now, where the payment would bounce and I was unable to manually settle the bill due to keytrade blocking the payment. There were no issues using another bank to settle the bill. I contacted customer support for this about 2 months ago and have yet to hear back.

Keytrade has also blocked other automatic payments, leading to a lot of headache for me to sort it out.

Recently, the app has also been lagging and failing more frequently, which doesn’t instil confidence. After many years, I’m in the process of switching banks, because keytrade has been letting me down a bit too frequently lately.

I'm not one to write reviews but my experience over the last month has been terrible so I feel like warning you.

I lost my username (new phone, had to reinstall app and lost pre saved username) and have been trying to get a new one for about 3 - 4 weeks now. So have not been able to log into the app and can't get to my own money... I sent email, reminders. I called - long wait, gave up. Called again, long wait, reached someone (who was very friendly, at least that's the only positive thing to say). Still got me nowhere. To one of my emails they replied that there were no attachments in my email which... there were. I don't know how you miss something like that.

Still no username. No replies to my reminders. I simply can not get to my money...

As soon as I'm able to get into my account I will withdraw my money and never use this bank again. So I caution you to proceed with them.

I might have to look into legal action in an attempt access my own account again.

Not a trustworthy bank they shut you out with no explanation

Worst bank I ever encountered. You are able to transfer money to your new Keytrade account, but I have been struggling to make any banktransfer using my account for days. The log in on the website with the softkey doesn't work either. No response on my email (previous mail took weeks for a generic answer) and have been hanging on the phone for hours already. DO NOT TRY, even for a free 50 euros. You won't be able to transfer/use it anyway. I am going to check with the authorities because they are witholding my money at this point.

After receiving a lot of commercials. I did apply for the credit, got rejected few times each time I applied for it after THEY sent me offer 🫴.

I open an account, after 2 weeks no info nor communication. I sent emails but never got an answer, I tried to call 5 times cause it is always occupied. When I finally got to talk with the customer service it was rude and unhelpful. I cannot register on the app and the customer service did nothing to help me. It is now 2 weeks I do not have my IBAN which I desperately need and I still did not get any info. I wish I can close my account but it is impossible since NOBODY ANSWER MY REQUEST.

the banking service is basic, help desk doesn't answer to mails. I sent some money last Thursday and even now Sunday I didn't get anything on my other account. I have the feeling that the for the payments they pass through France. The investing platform is ok and cheap

They rejected my request to open an account, after two months of following up with them on the status, without even having the courtesy to explain why. Worst customer service ever.

The Stock transfer team is awesome. They don't let go, supporting you in transferring your securities account. In my case, it was not such a big securities account from a super nasty big Spanish bank (no need for names, but there are only 2 options, take the smaller one). Jürgen, gave me the best support ever, including 2 complaints to the bank's client service, until we got it done.

Support is unhelpful, dismissive, and quick to shift blame onto the customer rather than listening or acknowledging concerns. There's a clear lack of accountability and empathy. I'm looking to take my business elsewhere.

I cannot belive that rhis bank has rating of 2.9. It desrves 1.5. Ita has Worst customer service ever!
They take literally weeks to respond. Like weeks. Never ever I would recommend to anyone to deposit or invest in such a bank where customer service is that bad. So much uncertainty, you do not hear from them for weeks. If you want a transaction report they charge 30e per page, looool. Every person's hold be able to download a simple report. Really if I had known, I wouldn't have put a cent there. I have been trying to close my account for 4m and it took that long just to answer to simple questions I had. You rise a question, they respond in 2-3 weeks with one sentnace, they you respond then again another era. 1 month to respond only to my email here is the close request, "please close the account". One month it took for them to tell me "we initiated the process". HORIBLE.

Drama. I just send my full papers as requested by the bpost 2weeks ago. Identified through Itsme, and they still didn't get back to me.
I send all my vulnerable details on paper to them as they requested, without postage. Tried to do it with signature but not possible because this bank must be a joke (they operate on two boxes). STAY AWAY FROM THEM AND KEEP YOUR MONEYS SAFE. this is just a proper joke. I'm going to fill formal complaint.

The UI is good, well done. And the stock exchange integrated with one app makes it an all around must have banking/stock market app.

Still need to integrate a instant money sending solution. Just like all other banks.

Overal score 4 star since it lacks an feature that is truly necessary.
Also why 4 stars, good question!
Because it is simple to use. And it's basically free.

Want to see this bank grow into a bigger, better and a powerful company. It's something other banks doesn't do.

2 apps in one.

Banking and investing..

Guys! At least reply to goddamn emails? Its unacceptable when someone is has applied for loan and i have to wait 4/5 days and no email reply. Come on! The year is 2025 and email means something 😂

Client support is non-existent, Keytrade Bank take ages to respond to emails, telephone support takes ages to be picked up, if at all. In a nutshell, impossible to get any support from this bank these days. Used to be a decent bank previously but these days is better to avoid. So, what should they improve? basically everything.

Site is very slow and impossible so access my portfolio (message ; "we have a problem: ou service is working on it"
But also very slow to have access to your bank accounts
I am a client since 25 years and service is really a pain since 1 year
previously I can give a 4 stars

As a client for a couple of years I'm generally happy with my experience with Keytrade, however they do not accomodate safe transfer of personal information so I have to limit my stars to 2. Upon opening a new account, a copy of the ID is requested via regular unsecured email. This is not a good practice, as anyone intercepting the email is able to commit identity theft (and e.g. open loans in my name). On repeated request for a safe transfer method, Keytrade personnel kept reassuring me that they can be trusted and that I should use email, which is besides the point and misleading. It seems they are not aware of the security risks, which is highly concerning for an (online!) bank. Do not recommend.

Would be glad to give a zero star should it exist.
My salary sent in due time to the bank .... but the bank is facing issue to credit my account with .... due to unknown reasons .... on which they are working ... with an unknown fixing time.
Either no propoal to keep me informed.