Ulster Bank - Niezależna recenzja

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40 recenzji klientów na Ulster Bank - Trustpilot


5 dni temu
by Terry Chapman

1 stars

I don't usually 'do' reviews but!

I don't usually 'do' reviews but my dealings with Ulster Bank has been a life changing experience. The interest rate of 1.25% might be attractive but the...Read more

I don't usually 'do' reviews but my dealings with Ulster Bank has been a life changing experience. The interest rate of 1.25% might be attractive but the whole process of trying to set up the account was absolutely terrible. Thankfully it was so terrible I didn't put any money in, because I feel if I had put money in, I'd have never got it out! Stay well away!!

6 dni temu
by Pablo Maxwell

5 stars

It feels good when you recovered your …

It feels good when you recovered your lost funds from your scam broker. Some challenges of withdrawals we traders are facing today in binary option is not...Read more

It feels good when you recovered your lost funds from your scam broker. Some challenges of withdrawals we traders are facing today in binary option is not because binary option is no longer a nice place to invest capitals, but the problem is that there’s a lot of scam brokers all over the world. If you’re facing some challenges of withdrawals or your broker manager is always asking you to make more deposit before you could place a withdrawals from your funds or you traded and lost your funds without any reason or maybe you noticed that your broker manager manipulated your funds, kindly get in touch with me on paolom80ATyahoo.com and i will guide you on how to get back your funds in an interval of two weeks

02.10.2017
by DT

1 stars

Terrible Experience

Opened eSavings account towards end of July because interest rate was better than most and account could in theory be administered online. Got no email...Read more

Opened eSavings account towards end of July because interest rate was better than most and account could in theory be administered online. Got no email confirmation that account was actually open. Eventually got letter confirming account was open and stating that activation code would be sent. After 2 further weeks weeks nothing had arrived. So battled for ages with them on online web chat to try and get some sense out of what was happening. All could get was that another code would be sent, refused point blank to text code to me. Code eventually arrived and worked, hallelujah! However you need card reader to draw any money out. So ordered one. Not prepared to put any more money into account after initial minimum deposit until I had a workable method of drawing out. After further delay card reader arrived, and several days later a pin number, but pin number would not work. After further lengthy futile web chat with them, outcome was that another card reader and pin number would be sent, Both eventually arrived and worked. It has only taken nearly 2 months to get to this point. So have totally no faith in Ulster Bank. Will only use card to empty out the account. Would advise to have no online dealings with this bank. Service has been terrible.


Więcej opinii

30.09.2017
by Arthur Walters

1 stars

Following from my last review of Ulster …

Following from my last review of Ulster Bank, the card reader eventually arrived (after a long delay) with the promised PIN covered by a removable strip....Read more

Following from my last review of Ulster Bank, the card reader eventually arrived (after a long delay) with the promised PIN covered by a removable strip. Removing the strip and holding the paper against a white background and then a bright light, as instructed, failed to reveal the promised PIN. Nobody was able to decipher the PIN. It can only get better but I'm not staying to see it.

28.09.2017
by Hugh Brown

4 stars

Have deducted one star from my last …

Have deducted one star from my last review as the post code was missing from my first letter from them , which had the famous Any time Banking Card. It...Read more

Have deducted one star from my last review as the post code was missing from my first letter from them , which had the famous Any time Banking Card. It was dated 14 Sept but only arrived today due to the post code having been added on by hand on the outside of the plastic window. This systemic fault, if that is what it is, may well be the culprit behind so many complaints about missing bank cards for the reader. Later letters with the Pin and the reader , prior to that, came much quicker and DID have the post code typed on the bottom of the address. So I tested the paying myself system , using the card reader, card and pin and it worked OK, provided you activate the card and then add yourself first as a new payee. I will deduct another star if the monthly interest does not show up as a credit but was heartened to see Ulster Bank used Faster Payment for my self payment test and it showed up in my own bank in the time it took to log on there, so is quite possibly instantaneous. Seems they are victims of their own Top of the Instant Access [ ahem] charts for best interest rate and their systems are not coping. Many do misread their terms though, a recent example being someone who thought their maximum deposit level was £5,000 . Erm, you might find it is a little higher.. Errors abound on both sides.

28.09.2017
by Brian Martin

1 stars

Ulster Bank administration is utterly hopeless, avoid this bank.

I have been trying to open an Easy Access account with Ulster Bank but without success. I submitted an online application that was accepted and...Read more

I have been trying to open an Easy Access account with Ulster Bank but without success. I submitted an online application that was accepted and acknowledged. Then I received an email saying that I also needed to supply a document as evidence of my identity (why now and not at the time of submitting the application?), so I uploaded my driver's licence using their online procedure. The next day I got another email saying that it had "failed their security checks" - no explanation why. I spoke to their Account Opening Team who could not find my application on their system and advised that I should call again the next day. The following day I spoke again to the Account Opening Team and while on the phone I emailed them with the driver's licence as an attachment. The member of staff looked at it and agreed that there seemed to be no reason why it was rejected. She promised to contact their security team and phone me right back. There was no phone call for some time, so I phoned again and spoke to someone else who said she would leave a message for the first person to phone me. Meanwhile I resubmitted the licence, but got another email identical to the first. Again with no explanation. Still waiting for a phone call. The only positives were the politeness of the staff I dealt with, and the fact that got though to someone quickly, but the staff seem to be struggling with an administrative system that is shambolic and not fit for puropose - in this respect definitely by far the worst financial organisation I have ever dealt with.

27.09.2017
by Marie McKenzie

1 stars

Unacceptable - No access to money for 9 weeks!

I opened an eSavings account, which is supposed to be instant access, yet did not have any access to my money for over 9 weeks! I opened the account...Read more

I opened an eSavings account, which is supposed to be instant access, yet did not have any access to my money for over 9 weeks! I opened the account easily and ordered a card/pin & card reader shortly afterwards and was told I would receive them within 7 days. I waited weeks without receiving anything and had no access to my funds without them. I contacted Ulster via online chat countless times and kept being told I would receive my card within 7 days. I had to reorder my card/pin/card reader another 3 times and still wait weeks to receive them. I also sent a complaint to Ulster, yet received no reply other than a generic message saying that they would contact me in 10 days(which they failed to do). Having no access to my own money for 9 weeks, when I put it in an instant access account, is completely unacceptable. I don't know how a bank can have such terrible conduct.

27.09.2017
by Customer

1 stars

Shockingly bad!

Shockingly bad! Archaic systems that belong in the 19th century, which make opening and then managing an account an absolute nightmare. Well intentioned...Read more

Shockingly bad! Archaic systems that belong in the 19th century, which make opening and then managing an account an absolute nightmare. Well intentioned but inadequately trained staff always have to refer to someone else, leaving you on hold for decades. The online service is simply not fit for purpose. It repeatedly fails to recognise my security details and locks me out prompting yet another phone call and the inevitable 'i'll need to put you on hold for a wee second'. I have made a formal complaint but can never get back the hours I have had to spend calling this inept bank.

27.09.2017
by john stansfield

3 stars

So attracted by the 1.25% opened but?

So attracted by the 1.25% opened account no problem,deposited 50£ as a test but couldn't get it out without a card and card reader,ordered same waited...Read more

So attracted by the 1.25% opened account no problem,deposited 50£ as a test but couldn't get it out without a card and card reader,ordered same waited alloted time,contacted them by internet chat,they had no record of this so ordered another set ,card came but no card reader,contacted bank by phone very pleasant chap told me if I had an existing card reader that would work and basically they had been overwhelmed by the amount of new accounts.My existing card reader worked and the banks turned up shortly after.Now able to remove my money.Just glad I did not dump all my savings in as it took the best part of a month to get working .Let's hope things are ok from now on! 3* is being a tad generous!!!

26.09.2017
by anne domican

1 stars

banking with them for 18 yrs

banking with them for 18 yrs they have no customer loyalty take forever to respond to queries and they are way behind when it comes to IT Refused me...Read more

banking with them for 18 yrs they have no customer loyalty take forever to respond to queries and they are way behind when it comes to IT Refused me finance for my business despite my long term association with them. avoid

26.09.2017
by Arthur Walters

1 stars

By far the worst company I have ever …

By far the worst company I have ever dealt with - bank or otherwise. I concur with previous posts. RBS directors should be sacked. Did not recognise my...Read more

By far the worst company I have ever dealt with - bank or otherwise. I concur with previous posts. RBS directors should be sacked. Did not recognise my phone number or customer number. Response to my email asking for help was to refer me to a New York phone number. For an Irish Bank. Unbelievable. Thank god I haven't made a deposit. AVOID AT ALL COSTS.

24.09.2017
by Nigel Foster

1 stars

I was attracted by the headline rate …

I was attracted by the headline rate for instant access savings. 1.25%. Application process was a nightmare. No email, nothing in the post. On querying,...Read more

I was attracted by the headline rate for instant access savings. 1.25%. Application process was a nightmare. No email, nothing in the post. On querying, it was clear Ulster Bank do not want my custom. I opened an alternative account. Slightly less interest - 1.15%. But 10 minutes on the website, 10 minutes later I was ringing my normal bank to transfer money. I can see why RBS (who own Ulster Bank) are held in such low regard.

22.09.2017
by tomasz Opinion

1 stars

I have an ulster bank account

I have an ulster bank account , informed them I was going abroad as per terms and conditions. Used the card like normal. What they didn't tell me was that...Read more

I have an ulster bank account , informed them I was going abroad as per terms and conditions. Used the card like normal. What they didn't tell me was that you can only.make 10 transactions a day and then your card blocks. This happened to me on 4 occasions leaving me stuck on Poland for days after I was meant to home. Promised redress from customer service, who don't deliver. Huge deceptive information from this bank. They are absolutely useless. AVOID AT ALL COSTS. Even promising a letter which they failed to deliver there is so much more to say but words can't express my anger and astonishment at this bank, they're licence should be stripped.

22.09.2017
by Jo Kratovil

1 stars

Almost criminal in the way they trade

Along with a huge percentage of people I agree this company is an absolute farce. When applying it isn't clear that you need a card reader and card so...Read more

Along with a huge percentage of people I agree this company is an absolute farce. When applying it isn't clear that you need a card reader and card so when it came to needing to withdraw funds I ordered these. Two weeks later I was still waiting for the card having received the reader and pin number. When I rang to ask for it I was told there was nothing I could do other than wait for another to be sent out. I literally had to beg to withdraw some of my funds out in order to pay an important bill. It is now another 8 working days later and still no card. I am amazed that in this day and age a bank is allowed to continue trading and having it recommended on the money matters website has left an extremely bad taste!! As soon as I can close my account I will be doing so.

22.09.2017
by derrick thomas

1 stars

unbelievable service account opened but …

unbelievable service account opened but cant withdraw money without card reader , card and pin.received card reader and 2 different pins but no card told...Read more

unbelievable service account opened but cant withdraw money without card reader , card and pin.received card reader and 2 different pins but no card told to wait 15 days for card when it does not come wait another 15 days still doesnt come I rang again told to wait up to 15 days this has been going on since july i would not have given them 1 star but had to write review

19.09.2017
by Frances H

1 stars

Unable to withdraw money

Like many others I am unable to access my money, required to complete a house purchase. I, again like many others, was not aware a card and card reader...Read more

Like many others I am unable to access my money, required to complete a house purchase. I, again like many others, was not aware a card and card reader were required. I find it astonishing that you have to apply for these, rather than being sent them automatically on account opening. I have been told it takes 15 days for the card reader to arrive by which time I will have lost my house. Other banks allow you to set up payees by phone - not Ulster Bank. I have been told to write a letter requesting access to my money. Ulster Bank seem completely unaware how an easy access on-line account should work ie on-line and easily. This is not the case.

15.09.2017
by Hugh Brown

5 stars

Keep calm and apply properly..

If you follow all instructions carefully and don't mind using your passport number for ID check you can do a trouble free application, imho. The website...Read more

If you follow all instructions carefully and don't mind using your passport number for ID check you can do a trouble free application, imho. The website was slick and quick and if you allow plugins/Flash you can navigate to the menu section on making transfers and payments [ to your self ] Having ordered a card reader, which my own bank also demands, I see no bother in waiting 15 days, given i plan to leave the money to accrue interest beyond the short time frames many complainers seem to run on. Where is the other bank willing to give you free access? Virgin allow 2 withdrawals inc one to close the account. Or you can risk peer to peer lending or some other scheme. Happy to give Ulster Bank a chance and go paperless to avoid chance of charges for paper statements.

12.09.2017
by Barry H

1 stars

BEWARE. An easy access account that you cannot withdraw from.

I opened an E-SAVINGS account with this bank on 1st August and the whole process has been farcical. Ulster Bank will not allow you to make withdrawals...Read more

I opened an E-SAVINGS account with this bank on 1st August and the whole process has been farcical. Ulster Bank will not allow you to make withdrawals from this account until you have a card and card reader although this was not made clear during the application process. I applied for the card and card reader and a few days later I received the card reader followed by a PIN number but no card arrived. Since then their customer service department have been unable to resolve this and today I was told by one of their staff members that the reason for the delay is that they have run out of cards. So my money is trapped in a supposedly easy access account that I cannot make withdrawals from. Their customer service departments answer to this is tough there's nothing we can do about it. My advice is AVOID THIS BANK.

05.09.2017
by Mr Alan Talbot

1 stars

I too find the Bank's response to my …

I too find the Bank's response to my recent e-savings application appalling. Having waited for so long despite having promptly sent all information...Read more

I too find the Bank's response to my recent e-savings application appalling. Having waited for so long despite having promptly sent all information requested I have now decided to cancel my application.

04.09.2017
by TC

1 stars

Terrible Experience (and even worse IT system)

I have accounts with 12 different banks and I have to say that my experience with Ulster has been the worst of my entire life whist trying to open 3x...Read more

I have accounts with 12 different banks and I have to say that my experience with Ulster has been the worst of my entire life whist trying to open 3x e-savings accounts (1 for myself, 1 for my wife and 1 joint). The IT director should be sacked immediately as their systems are dire. When you open a new account, the only two options available for online ID are passport or EU ID card. I thought this was odd as a Driving Licence has all of the information required on one card. When I eventually got through to somebody in customer services, they told e that you can in fact use a Driving Licence for online ID BUT there is no option for it when you initially sign up. You have to choose "send documents in the post" and then later on you can in fact just upload scans of your Driving Licence (why not just update the options during the initial account setup?). All of this is ignoring the fact that, when I opened accounts with other banks, not once have I been asked for my Passport or my Driving Licence. Some accounts were open and ready to use within 24 hours. It took a total of 3 1/2 weeks to get my Ulster accounts open. This was due to the fact that, despite uploading crystal clear scans of the front and back (no idea why they would need the back scanning as there is no personal information on the rear of your DL), the "DigiDocs" system kept bombarding me with texts and emails asking for the aforementioned scans. Along the way, "the system" bizarrely decided we had applied for 2 sole accounts each (despite only completing the application once) so began a tale of numerous calls to their customer services department (and more spam texts and emails from Ulster Bank reminding us to do things that we'd already done). Eventually we were up and running and both myself and my wife were able to use online banking so we duly deposited the £5000 maximum allowance in to all 3 accounts. Then, two days later my wife received more reminder texts to finish setting up her account (which was already setup). When we then tried to login to her account we were greeted with an error message. So, another call to their customer service department (this was call number 17 by this stage) and we were told that "the system" had wrongly tried to open another sole account in my wife's name. This meant a new activation code for online banking had been generated and thus locked her out of online banking. So Ulster Bank now had £5000 in her sole account that we could no longer access. Their response? We would have to wait a week for a new activation code and to go through the whole online banking setup process again. All in all, some of the customer service staff were nice enough and some were quite rude and a bit slow but they are clearly being let down by one of the worst IT systems of any modern company that I've dealt with.

03.09.2017
by kidnormal

1 stars

Absolutely chaotic.

Absolutely chaotic.I have been unable to operate the account for the 5 weeks since opening it. On checking progress I was told I had applied for a card...Read more

Absolutely chaotic.I have been unable to operate the account for the 5 weeks since opening it. On checking progress I was told I had applied for a card reader when I had not. When a card reader was ordered no card or PIN has followed - although they say they were despatched. I now have to wait another 3 -5 working days for the card and PIN. How can a bank possibly operate like this?

26.08.2017
by Jim OBrien

1 stars

Beware credit/debit card users

Beware credit/debit card users, was ripped off by a builder and even though i paid by credit card and debit card, rude , unhelpful and mocking staff...Read more

Beware credit/debit card users, was ripped off by a builder and even though i paid by credit card and debit card, rude , unhelpful and mocking staff member informed me that chargeback for a broken contract does not apply when they feel like it over the phone, and that section 75 is a mental institution, letter of deadlock for the ombudsman is not a possible even when i read the relevant legislation on the consumer credit act, the idiot i was dealing with just talked over it, saying they would not help. Stay clear of these clowns! No security on your transactions that are supposed to be covered by the CCA 1974

18.08.2017
by Mike Pettifer

1 stars

A hopeless, hapless idiots

A hopeless, hapless bank full of promises they are unable to keep, kept my money and did not send means to move it around (card reader) so after 3 weeks...Read more

A hopeless, hapless bank full of promises they are unable to keep, kept my money and did not send means to move it around (card reader) so after 3 weeks decided enough was enough and closed the account....find another bank do not waste your time with this bunch of morons

13.08.2017
by Julie

1 stars

The worst customer service experience I have ever had

The worst customer service experience I have ever had! Thinking of moving my account to another bank.

11.08.2017
by Brenda Sullivan

1 stars

This is the worse savings provider I …

This is the worse savings provider I have ever come across in 50 years of savings. It took several month to set up the instant access account, and now I...Read more

This is the worse savings provider I have ever come across in 50 years of savings. It took several month to set up the instant access account, and now I have been struggling for over a month to get a card reader and card to withdraw my money. I have requested these items 3 times without any response. The help chat line is handled by an Indian call centre and is absolutely a complete was of time. It is supposed to be an online account, but apart from the useless chat line there is no way of contacting the bank online. This bank may offer the best current savings interest rate, but it is not worth all the hassle of trying to get any action from them. Find a proper savings provider and put up with a slightly lower rate

11.08.2017
by Christopher Dean

5 stars

Had some teething issues but overall excellent service

I had to raise a complaint as I a) did not receive any account details of the account being opened and b) when the account was opened was not sent a card...Read more

I had to raise a complaint as I a) did not receive any account details of the account being opened and b) when the account was opened was not sent a card reader to action any banking services online. The response was a swift and acceptable apology and resolve to the complaint. Although I faced delays and problems opening the account, I would recomend Ulster for the best rate of savings and an excellent level of customer service resolving my complaint.

10.08.2017
by Joe A

5 stars

Smooth and easy transactions

Smooth and easy transactions Im seeing a lot of bad feedback but I have always found this bank great to deal with, only down fall is they have closed a...Read more

Smooth and easy transactions Im seeing a lot of bad feedback but I have always found this bank great to deal with, only down fall is they have closed a lot of their branches in recent years which is making it harder to bank when you need to lodge cheques, but it can be done through the post office, just means queuing ages

09.08.2017
by NEIL SCARFF

1 stars

Absolutely Useless, worst bank I have had the misfortune to deal with!!!!

STEER WELL CLEAR OF THIS BANK!! you can open an ulster e-savings internet only account online but god help you if you want to take any of it...Read more

STEER WELL CLEAR OF THIS BANK!! you can open an ulster e-savings internet only account online but god help you if you want to take any of it out..... Having opened an account, it took them 10 days to send an activation code instead of the same day text so that I could use internet banking, it was not until this point that I was able to apply for a card reader and card so that I could withdraw money, this I was told could take up to 10 working days. 10 working days later no card reader, phoned and was told there had been a backlog but this was now cleared and I should receive the reader "this week" absolutely no effort to provide a solution to the problem created by them just recital of their terms and conditions for this account even though they had not complied with them, best they could do was to go into a natwest branch with a letter asking to withdraw money, a copy of a statement from the bank to which I required funds to be transferred to and my passport. I asked about closing the account to which they replied you have to write to us and then once we receive the letter it can take up to 5 working days to close the account and transfer the funds within. This is the worst bank I have dealt with for many a year, their banking practices are so antiquated, I have today opened a internet saver with Tesco Bank, it took 25 minutes to open the account, transfer money in and then transfer money out!!!! save your sanity and find another bank it is just not worth the endless hassle of having to deal with this incompetent institution.

04.08.2017
by john

1 stars

WARNING !!!!!!!

WARNING !!!!!!! you can open an ulster e-savings internet only account online and stuff it with all your spare cash....... but god help you if you want...Read more

WARNING !!!!!!! you can open an ulster e-savings internet only account online and stuff it with all your spare cash....... but god help you if you want to take any of it out..... you need their card reader and card and despite begging them to send me one for over 3 weeks, my money is effectively locked in without a way of removing it other than going into natwest branch and suffering security and identity checks and a daily limit. save your sanity and find another bank. it is just not worth the fear or the misery of having them deny you access to your money in their "instant access" savings account. over 8 hours on the phone and 30 of their useless staff in 4 locations and a complaint to the fsc and the ombudsman and still no solution despite their lies that they have sent the card reader but this has now changed to " we seem to have a problem on some accounts and we actually have not sent them out and dont know if or when we will ". SAVE YOURSELF AND GO ELSEWHERE !!!

03.08.2017
by Primrose

1 stars

A bank that won't allow you to withdraw your own money - what a shambles!

Opened an account because of better interest rate - clearly states easy to operate online. First time needed money out, discovered online maximum amount...Read more

Opened an account because of better interest rate - clearly states easy to operate online. First time needed money out, discovered online maximum amount can transfer is £250 and to get more one needs a card reader and a debit card, yet not provided when you open account? On reading information about what happens if don't have card reader - it says just ring telephone banking and they will sort out -ring them and a really unhelpful and rude customer services assistant who says I can only transfer if I have a card reader!!!!! Card reader ordered but advised will be at least 10 days. Other banks can produce cards and card readers well within this time so why can't Ulster. When later tried to use online for smaller amount - it was stopped by fraud department- and I was not even informed (by text or phone call) as should have been - nothing done till I contacted them!! This bank is very unprofessional and if you do want to have access to your money, I would recommend you go elsewhere! Have made a complaint but looking at this site I could be waiting a while along with all the other unhappy customers!



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