Bankinter 

If I could give Bankinter zero stars I would. My Solicitor in Spain opened a non-resident account on my behalf as I could not be in Spain due to Covid. Neither my online or telephone banking codes were ever sent to me by Bankinter. That was 6 months ago and I have been going around in circles ever since via email and phone to which none of their totally incompetent staff seem to realise that the 'Reactive/Reset' function in the customer login area does not work for me! I have communicated this what feels like 1000 times, but they don't seem to understand that I have tried and it doesn't work. Very frustrating and shocking. They don't speak English so communication by phone is difficult and quite frankly they just don't care. I cannot access my account to check funds or direct debits and I am also not receiving posted statements of the account. AVOID BANKINTER IF YOU ARE OPENING AN ACCOUNT AS A NON RESIDENT.

Tras un fraude de la tarjeta no se hacen cargo ....dando largas y intentado que te canses para que pases ,hasta que lo tienes que denunciar fuera de ellos y aún así intentan en todo lo posible de darte largas por teléfono entre operadores.Telefonicamente son un desastre y encima mandan por error documentos de otras reclamaciones mezcladas....cuidado con Bankinter .

Absolutely dreadful!
We have wasted a lot of time effort and money with this bank, we have now closed our account.
Hidden charges on everything and very rude staff!
Do NOT use this bank, you have been warned!

I have 2 years of experience with BankInter Portugal. I decided to take my mortgage here, due to the good rates that they offer. But the waiting times are waaaaay to long.
- Renewal of expired Debit card with urgency 15 days! + €40 because I needed it urgent. The card also costs me €18,- per year! I told them that I should get paid for using their horrible service.
- Increasing the credit limit on the credit card 7 days!
- Renewal of expired Credit card 15 days.

I have been with Bankinter for 9 months & experienced nothing but regret, bad service, I have had money taken out of my account for over 500 euros, That i don't know about, I have e-mailed them numerous times & 2 months on - still no explanation?

The worst bank ever!
Promises from the helpdesk to arrange things. NOT!
Promises from your personal director or account manager, to change your account from no resident to resident. ´We let you know when it is arranged´. NOT!
Asking for help. Just an email with not the information, you asked for!
Real-time debits and credits? NOT!
Really a terrible bank culture!

Te hacen perder el tiempo,el primer trato fue muy bueno porque la hipoteca era viable por las nóminas por tener doble garantía etc etc.y después de 2 semanas denegado.pero que me alegro porque a mí una emplead@ me llama gordi amor etc etc y pensaba que estaba en el patio de un recreo

Pésimo trato...te llenan el correo de publicidad de planes de pension,hipotecas ,préstamos y no dan soporte de nada.La web falla muchísimo y fraude en tarjeta que no se hacen cargo.Cuidado con Bankinter.

Hace muchos años que soy cliente estaba contento pero los 2 años últimos es un auténtico desastre me creo totalmente las reseñas negativas leidas

Llevo tres meses sin poder hacer transferencia porque no me deja mí aplicación Bankinter, he ido al banco a quejarme y no me ayudan, me dicen que la hacen ellos y me cobran 4 euros.
Cobran comisiones muy altas , no se puede hacer ingresos en el mismo cajero, hay que hacerlo en ventanilla y esperar una larga cola.
Me hice de este banco creyéndome que era mejor a otros y conforme pasa el tiempo, cada día está peor.
He decidido que me Voy!!
Cada día es más NEFASTO

Pide un préstamo a Bankinter, y tendrás la peor experiencia de tu vida con los bancos!

El peor servicio de atención a cliente, un empleado se equivoco al poner mi teléfono y llevo 4 meses literalmente intentando solucionar el error. Cada operador mas inútil que el anterior, me cuelgan el teléfono cuando no saben solventar el problema , o me dicen que han resuelto el problema vuelvo a llamar y no han hecho nada. Son unos ineptos que no saben hacer su trabajo, y encima te cuelgan el teléfono de mala manera aunque les pidas que por favor te dejen reclamar. Un infierno estoy viviendo y no se lo recomiendo a nadie.

Visa Vodafone acabas llorando.
Buenos días,yo la primera vez que llame para saber cuánto me quedaba por pagar (cometí la locura de pagar unas gafas con la visa Vodafone hace unos años)
Pero me seguían y siguen cobrando 30€ cada mes,en aquella llamada acabé llorando pues quien me habló me soltó que me quedaban más 1000 €.
Yo me quedé muerta,las gafas costaron algo más de 400€ hace años, pregunté porque ?
La mujer me mató me dijo que algo así como que de los 30 €,17€ eran intereses y que si no estaba conforme HABER LEÍDO LA LETRA PEQUEÑA tal como suena,lo reconozco acabé llorando.
Esta semana después de unos años y esperando otras gafas ya he vuelto ha llamar (el chico ha sido amable)pero aún debo 661,04 €,por cierto no nunca he recibido ni un triste recibo.
Todos me dicen que denuncie.

Actulizo,he vuelto a llamar(agente no tan amable)
Intereses que estoy pagando 19% y dice que siempre ha sido lo mismo.
Me están robando y soy incapaz de meterme en denuncias.

Went to branch Lo Marabu Rojales. I have banked here for 16years always had very good service and staff very helpful and polite. Don't know what has happened but the last year or so staff changed and the whole experience off visiting this branch is with dread. I understand the changes we have with covid 19 and safety for customers and above all the staff. But when people are waiting for such a long time to be seen something needs to be reviewed how they operate. While waiting outside one member of staff came out and went to the bar nextdoor for their break and not one person entered into the bank until that member of staff went back into the branch.

El servio de atencion al cliente a bajado en picado hasta te cobran por hablar con un gestor, llevo intentando contactar con elos desde hace mas de una semana por telefono y es imposible.....un desastre ademas telefono 902

Tienen la página web colgada, indican que llame a un 902, al margen de que el equipo que atiende dicho 902 es desinteresado, además, no pueden hacer gestiones en periodo COVID. En definitva, me han dejado colgada, sin acceso a mi cuenta personal y sin clave de coordenadas. Siguen empecinados en que solo me la pueden mandar a mi domicilio habitual que lo encuentro fuera de lógica alguna cuando seguimos en fase 0 y no nos podemos mover a nuestras casas.

I closed down my account at bankinter,I found the manager and staff rude and disinterested. I don't think they like the British very much and it was a hassle every time I went into the branch

He tenido cuentas en Bankia, BBVA, ING, etc. y creo que puedo comparar bastante. Definitivamente NO RECOMIENDO A NADIE Bankinter (y asó se lo comento a mis amigos y conocidos).
Abrí una cuenta nómina hace 1 año, en lo que te obligaban a cumplir las condiciones en un breve plazo (domiciliar la nómina etc.). Mi tarjeta y claves nunca llegaron. Estuve 4 meses sin poder tocar el dinero y sin recibir nada. El servicio de atención al cliente pésimo. Vía mail responden sin soluciones y rozando la mala educación. Y en la oficina te derivan a tu agente telefónico. Entras en un bucle.
Este año mi empresa ha cambiado el software de contabilidad y pagos de nómina, y ha dejado de aparecer el concepto “nómina” en la transferencia, aun recibiendo la misma cantidad cada mes Bankinter considera que no estoy cumpliendo las condiciones de la cuenta nómina y tengo que hablar con mi empresa. Otra vez en bucle.
La tarjeta de crédito por defecto viene configurada a plazos con lo que ¡sorpresa! en tus primeros pagos (sin saberlo) te cobran la comisión de los plazos.
Esta semana he realizado un pago online de unas entradas y me han cobrado comisión de “Uso de redes internacionales”! En 2020 cuando realizamos millones de transacciones online, según ellos debes saber con qué banco opera la empresa donde estás comprando (¡unas entradas!). Nunca antes me había pasado algo así con ningún pago en otros bancos, y he realizado millones de pagos en el extranjero.
Tengo permanencia hasta este 2020 pero me daría de baja hoy mismo.

(NEXT UPDATE ON 12/3/20)..
*NO RESPONSE FROM JUNIOR MEMBER OF STAFF, SUB DIRECTOR... AND NOW EVEN BRANCH DIRECTOR - BREATHTAKING, REMORSELESS, UNCHECKED ARROGANCE*
These people are holding my money and yet steadfastly refuse to communicate. Next stop, local media and Bank of Spain.

Here's the lowdown so far:

***

1. Had initially reviewed Bankinter with 4 stars since first impressions were favourable, certainly in comparison to my having suffered the aloof, unprofessional modus operandi of Sabadell for almost 4 years

2. The month after joining Bankinter (Oct 2019) was advised I would need to consistently keep a minimum of €2000 in my account to avoid additional charges from 2020. No mention of this at any time prior nor anything in writing since.

3. All details ref: utility providers e.g gas, electric were given to Bankinter for them to advise same of change of bank details.

4. Received correspondence from previous bank Sabadell advising that gas supplier, Naturgy, had attempted to take payment from now defunct account. (Credit where it is due to Sabadell; I wouldn't have known anything until the inevitable disconnection, otherwise.)

5. Had to make own enquiries of Bankinter who, it transpired, had not bothered to advise me Naturgy had -apparently- refused instruction from bank. This meant I was now inadvertently in debt with Naturgy by two months, with that obvious threat of disconnection, penalty charge to re-connect etc., and so, considerably compromised by Bankinter.

6. Initial email exchange with Sub-Director (shall refer only as 'C') but, thereafter, further emails were ignored, including 're-sends' that asked very specifically for a response.
NO FURTHER COMUNICATION WAS EVER RECEIVED FROM HER.

7. Sent final email to Sub-Director 'C' requesting my communication be escalated as a formal complaint and for attention of Branch Director. (Will refer as 'SEBEBP' - Similarly Elusive But Even Better Paid?)

8. Instead, received an email from 'another,' a junior member of staff ('F.') Initial engagement by email before once more being ignored, exactly as per 'C.' ..Reply quota ?!

9. Correspondence was posted from my UK address ('tracked/signed for'- £8) & this was received by the branch 2 weeks ago as I write, February 19th. It was addressed for the attention of Branch Director &, along with a covering letter requesting a meet on Monday 9th March at 1130hrs to discuss my issues, it contained hard copy of all exchanges with both 'C & 'F,' evidencing my repeated requests to both to respond but with no success.
I had also asked 'SEBEBP' for copies of all documents from the various utility providers that they had requested from me on signing with them; this with a view to changing bank. Again.

I HAVE RECEIVED NO RESPONSE FROM BRANCH DIRECTOR AT LOS DOLCES.

It does appear that to 'ignore the customer' is what Bankinter does
-with the enthusiasm of a grade 4 malignant tumour- and, in the absence of evidence to the contrary, it seems this 'strategy to ignore' comes from the top, at least at local level.
It is ironic but revealing perhaps that my initial issue with Bankinter was with their 'non-communication' in regard to failing to advise me that Naturgy had -apparently- refused my new banking details from them.
So far as I am concerned, unless I hear to the contrary, my meeting with the Director at Los Dolces is 'on.' I shall be there at 1130hrs on March 9th as advised in my letter to him/her. White, one sugar.

In the meantime, I have been in touch with local media in regard to an article or 'Oped' about poor banking practice in Spain along with early discussions with both Spanish & foreign locals & non residents who state similar experiences.

At the bottom of this box as I write is the option to 'Let Bankinter know about your review.' I have ticked the box so that readers of this review can see for themselves whether Bankinter will trouble to publish a reply. I think we can guess already.
In any event, I will update.

Tras escribir este comentario en trust pilot, Bankintercard me devolvió el dinero.
En el pasado mes de junio, realicé un gasto con mi tarjeta Bankintercard (VISA VODAFONE) de 601.86 euros, como me sobrepasé 1.86 euros sobre el límite establecido (600 euros) me han cobrado 20 euros en concepto de comisión de excedido. Mi forma de pago es a final de mes de forma que a final de junio me cobraron 621.86 euros, sin que se quedara ni un céntimo pendiente de pago para el mes siguiente. MUCHO CUIDADO CON ESTAS CLAUSULAS ABUSIVAS Y CON ESTE TIPO DE TARJETAS.