CardOneBanking Basic Bank Account Reviews

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★★★☆☆
2.6 / 5
43% of users recommend this
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  • Ease of use

  • Customer Service

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CardOneBanking Basic Bank Account

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Latest Reviews

★☆☆☆☆

“Shockingly Bad”

Written on: 19/11/2014 by Stevensonch328 (1 review written)

Shocking service, first they tell me I cant open my account until i pay the "promo" offer of £4.99 so i can get 3 months free, they then tell my wife there is no promo offer when she tried to open an account 30 mins later. Spoke to the so called "team leader" who sounded like she had no idea what she was talking about, she kept going round in circles, in what i believed to be an attempt to get me confused, so i would just go "ah ok then" My account manager talks to you like something you… Read Full Review

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★☆☆☆☆

“Terrible Service”

Written on: 31/10/2014 by Tomasf254 (1 review written)

Poor customer service, DO NOT call back at all. The adviser was very rude and not helpful. In essence, I was telling them how to do their job. They also wanted to charge me £250 for a further application which is disgraceful. … Read Full Review

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★☆☆☆☆

“awful service”

Written on: 11/10/2014 by Anastasiav1956 (1 review written)

My partner has an account with them not only did he have no access to his money for nearly a week due to ( we were told) an error when trying to update the system our rent showed as going out to the right account only to get our landlord saying it did not go in and us to contact the bank for them to tell us they were having trouble with it being directed to the right people since doing this update took 10 days to get money back into his account to be paid directly out again when we had asked… Read Full Review

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★☆☆☆☆

“review”

Written on: 24/09/2014 by Medina240 (1 review written)

Funny how when a bad review is made there is a good one that tends to follow... Its a rubbish banking company that's all there is to say. If you ignore the bad reviews its your fault when it goes bad for you… Read Full Review

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★☆☆☆☆

“I needed a business bank account. I thought it was a...”

Written on: 16/09/2014 by Muney (1 review written)

I needed a business bank account. I thought it was a easy as they said. First you have to pay a £55 fee and you are guaranteed to be accepted or so they would make you believe. I applied and paid (some how expecting there claim that they can open some accounts within 3 hours) the £55. So on the online form I was told I would be contacted they can't open it right away, after maybe a few days I got a call from card one banking requesting a business plan. So I sent them the business plan (… Read Full Review

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★★★★☆

“Excellent”

Written on: 09/07/2014 by McMahanuc177 (1 review written)

I have been with this Bank for 4.5 years. I've never had any problems. When I've called customer service, I have never been kept on hold for more than 2 minutes, the staff have always been helpful and polite. I don’t use the standing order facility preferring to pay the majority of my bills using my card. If I had to say there's a downside, it would be the amount of time it takes to load your card. But after 4.5 years, I am used to this, I plan ahead and estimate how much roughly I'm… Read Full Review

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★☆☆☆☆

“I have a large sum of money in an account with these...”

Written on: 02/07/2014 by johnmc123 (1 review written)

I have a large sum of money in an account with these people. They are refusing to release the money to me. Please don't do business with them you will lose your money… Read Full Review

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★★★★★

“Perfect for the right person!!”

Written on: 13/05/2014 by S.brown (1 review written)

After being with a couple of banks in the past, I have always (unfortunately) incurred hidden bank charges for overdrafts or bounced payments. This account is literally a life saver for me! I receive free texts when my bills are due and when they have been paid and even when they haven't, and there is a guarantee of never incurring bank charges as you cant go into a negative balance. After reading reviews on here I was thinking twice, but I guess it just wasn't for them. If your fed up of the… Read Full Review

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★☆☆☆☆

“Liars liars ”

Written on: 22/01/2014

I just opened a card one account my money was meant to of been In nothing it's seems to of disappeared of the face of the earth can't even ring them to 8.30 to find out where my money had gone I had a feeling they wouldn't give me my money now I know never to go against my guy instinct haven't even got to use the Account yet and already got to close it… Read Full Review

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Hassanbirmingham's Comment

Written on: 11/02/2014

the most rubbesh bank in the world

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Sjsw's Comment

Written on: 26/06/2014

I completely agree with with this person, LIES, MIS-SELLING, and DECEIPT are the only adjectives i can use about these people. COMPLETE AND UTTER SHISTERS

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★☆☆☆☆

“Rude Rude Rude!!”

Written on: 02/12/2013

Card One Banking Stay away! I opened an account with card one banking about 8 months ago. I really needed another account to seperate my finances. I haven't been able to use the account in any way at all. Lots of teething problems setting up online capability. I used to call them up and I was dealt with reasonably civilized. It's when you actually have a problem that it all falls apart. No direct debits with this account, all my standing orders didn't work either. I was told the only… Read Full Review

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★★★★★

“Great Account”

Written on: 01/11/2013 by happcamper2013 (1 review written)

Helped me separate my money so i knew what i had to spend each month and what i needed to keep for my bills. Yes £12.50 a month but better than paying charges monthly from my barclays account where sometimes i could pay £50 amonth. Life saver, and they tell me they should have direct debits soon aswell which is great. Staff there are really friendly and always willing to help and go the extra mile if needed, i was on the phone to a young lady till 7:20 the other week even though they closed… Read Full Review

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★☆☆☆☆

“Stay away - there are alternatives”

Written on: 30/09/2013 by Johnboy024 (1 review written)

Due to adverse credit, I decided to join the "bank". Firstly they are not covered by the FCA money guarantee so if they go bust you loose your money. A simple search on companies house and you will see what I mean. This is public information and seriously worth a look. Charges £12.50 a month to do nothing 15p for a computer generate SMS BALANCE £3.50 for a pay in book with 12 bits of paper Can't recall the charges but charge you to transfer money, Between £3.50 and £10 10p minute to… Read Full Review

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★☆☆☆☆

“DISGUSTING SERVICE”

Written on: 01/09/2013

This company will decline your card, when in credit, and still remove the funds from your account. You are left without your purchase and no money in your account. Try and explain to them the problem....the inexperienced clueless staff members then hide behind legislation, call you a liar, then keep your money! It is a disgrace and a joke! Do not go near them unless your want to get mugged off by idiots who take money… Read Full Review

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★★★★☆

“Simple money management”

Written on: 08/05/2013

I've been with CardOne for 4 months and it works for me, once you get used to the slight idiosyncrasies of this type of banking. I haven't had credit problems, but I quickly needed an account where I could manage my own money and keep it separate from our household accounts. The BEST thing is that all the call centre operatives are based in the UK and I rarely have to hold the line. They are helpful and fully explain everything. Setting up the account was easy - although they did try to… Read Full Review

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Johnboy024's Comment

Written on: 30/09/2013

Try think money only management fee, Barclays basic account to co-operative

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★★★★★

“Excellent for people who can't get a 'normal' account”

Written on: 10/12/2012

I have been with CardOneBanking for 2 years and love the way the account works. The call centers are all based in the UK (Chester I think) So communication with them is simple, clear and stress free. Highly recommend this account for people who have bad credit or have suffered bankruptcy… Read Full Review

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★★★★☆

“It a good account but”

Written on: 29/08/2012

cardone is really good for us, no overdrafts are bank charges to worry about, my only complaint is that it is bank holiday weekend and there phone number hasnt worked all weekend, I like to check what is loaded on my card this way, and now I havent got a clue, there is no other number to call, and Iam waiting for my password for on line banking… Read Full Review

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★★★★★

“Excellent alternative to Banks”

Written on: 03/08/2012 by bobby123zx (1 review written)

I used to pay a fortune in bank charges, £12.50 a month is nothing in comparison. The card work most places, however some places dont accept credit cards. They text me when cheques clear and transfers arrive. I can never go over drawn!!!! I go online and can pay bills etc then they text me to confirm its happened. I can drag out £2000 in cash from nat west with ID. I think this card one is absolutely f@@king brilliant. Nat west even overpaid me when i shut the account, i paid the cheque in… Read Full Review

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★☆☆☆☆

“TOTAL PESTS”

Written on: 10/05/2012 by ihatecreditagencies (1 review written)

After applying,i told them i had no CC or debit card to pay the £12.50 upfront,they said fine pay it by text message by texting the word PAY to 60777,then today i've had 6 phone calls in 3 hours from them harassing me to PAY......JOKERS. All this hassle with bank accounts is caused by SCUM credit agencies who HAVE THE FINAL SAY ON WHO HAS AN ACCOUNT OR NOT,this lets in scum companies like card one to exploit… Read Full Review

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★★★★★

“Bankrupt!”

Written on: 17/11/2011

I was bankrupt i lost my business my home everything this bank is amazing it does what it says just put money onto your card what you need i have never had a problem! Its a great way to get your credit back on track! I like all the help advice and banking and customer services cant rate it enough! My advice dont set up direct debits pay them when you get the bill with this card its easy… Read Full Review

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★☆☆☆☆

“If you are considering joining Card One Banking, my...”

Written on: 03/08/2010

If you are considering joining Card One Banking, my very strong advice to you would be 'DONT' - not unless you want to end up paying £12.50 a month to them so that they can totally mess you around. Customer service is absolutely appalling. I was left stranded 200 miles from home on New Years Eve last year, unable to pay for a hotel, or to buy a train ticket home - or even food due to a 'technical fault' preventing wages being loaded onto the cards. When explaining it was actually minus 12 on… Read Full Review

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