A Nossa Caixa レビュー 

Este banco é um verdadeiro horror!

1- numa habilitação de herdeiros no qual sou a única e herdeira direta , já passou mais de 1 mês e meio e não me transferem o dinheiro, anda aqui o dinheiro nas mãos de sabe-se lá quem !

2-fiz uma transferência pela primeira vez no valor de 300€ , no qual o valor se evaporou.
Eu mal uso a caixa geral pois sou cliente noutro banco tb e é mais por lá que faço transferências e nunca tive problemas.
Quando vou a fazer neste , acontece isto!
Ora diz que foi efetuado, saiu da minha conta mas não ao destinatário.
Quando fui saber diz que foi por agendamento ( que nunca o fiz) e que foi cancelado por falta de saldo cativo , quando esses mesmos 300€ ainda ficaram na conta 2 dias seguidos , pois eu nunca tenho dinheiro na conta a ordem e sim na conta poupança, então tinha exatamente esse valor lá por 2 dias.
Entretanto quando ligo para saber da situação afinal foi efectuada a transferência e para aguardar até sexta-feira (hoje 24/05 ) o até agora o dinheiro não caiu na conta do destinatário.

Fora que cobram taxas que acaba por ser roubo , pois também dei conta de 30€ que me foi retirado pela própria caixa a mais de manutenção de conta.

Não abram conta neste banco, é só problemas e falta de seriedade com o dinheiro do cliente.

A CGD é o pior banco do planeta inteiro. Isto dito por alguém que teve conta nesta instituição e que, infelizmente, tem familiares que têm conta aqui. Já me aconteceu de tudo com esta “instituição bancária”: ligarem-me sem se identificarem devidamente por causa de uma situação de fraude com o cartão (o que impediu que a situação fosse resolvida); a app deixar de funcionar; a app não funcionar no estrangeiro; ser impossível fazer transferências ao fim de semana na app (esta não sei se dá vontade de rir ou de chorar); ser impossível fazer determinados tipos de transferências; cobranças indevidas (sem quaisquer explicações dadas - o que na verdade constitui roubo) até ao facto de ser praticamente impossível fechar a conta. Vou ter de lá voltar - pela terceira vez consecutiva - porque apesar de ter solicitado o encerramento da conta, continua aberta e não fazem o que o cliente pede.
O meu conselho: fuja para longe, bem longe deste banco.

O meu euribor e 12 meses e esta banco muda a taxa os 6 meses. Atendimento telefônico e sento me muito mal recibida no banco CGD do Oriente Lisboa. E a senhora fiz NADA para me ajudar !

A caixa ate agora tem tido as comissões mais baixas e que n atrapalham a vida do cliente ,a app é que não funciona lá muito bem

Balcão de Vendas Novas, dia 14 de Março de 2024: 65 minutos de tempo de espera na fila de atendimento, das 11.40 até às 12.45 h no meu caso, com apenas duas funcionárias a trabalhar e outras três cabinas de atendimento vazias. Não se pode recomendar um tal banco que trata os clientes como gado com a única finalidade de maximizar os seus lucros.

La CGD Caixa Geral de dépositos, agence de Seixo Alvo près de Gaia, après avoir refusé à mon père un transfert de fonds sur son compte bancaire en France, la raison ?
sa signature n’était pas la même entre la carte d’identité, et l’ordre de virement,
Mon père était client de cette agence depuis 40 ans,
La carte d’identité avait l’empreinte du pouce!
Au retour en France, suite à cet épisode , mon père décéda !
Depuis, cette Banque, Malgré des demandes du notaire Français , Malgré l’envoi, d’un certificat de succession européen et des traductions juridiques, séquestre les avoirs, les économies de mes pauvres parents !
Elle prolonge notre deuil,
C’est une Honte,
Je ne sais pas comment les responsables de cette banque réagiraient, s’il s’agissait de leurs parents!
A. DA SILVA

Worst possible bank.
Their app doesn't work.
Simple transfers don't work.
If you are trying to pay anywhere after midnight? You probably won't be able to pay and is an embarrassment because you have to literally say that you have money but you can't pay ( imagine a date in a bar or something like that). Airports? The app plus card decided to stop working. Abroad? Expect no support whatsoever and suspense because you never know if you can proceed with little payments. But their main worry should be their app. I've never seen something so technologically stuck in time. Plus they have a matriz card with random numbers, which if you need to make a transfer to pay a rent abroad it asks you for those numbers. Nobody has time or patience to carry another card with loads of numbers just to make a simple transfer. It's a ridiculous bank with ridiculous service. They constantly call you to offer credit loans, only for you to explain you don't want or need, and as soon as you try it, they reject those same loans they called you in for the first place.

Application toujours en maintenance, (encore aujourd'hui toute la journée) très en retard par rapport a ce que propose la concurrence. Pas d'applepay ni googlepay.
J'ai deja fermé la plus part de mes comptes (perso,pro,enfants) et je pense que je vais finir par tout fermer. Quel dommage moi qui suis si fier de mes origines.....

They cancled my card completely for no reason and sent no notification nothing about that. I was in emergency need for money at that moment, called the agents to help me, none of them could speak, maybe i tried to contact like 20 times and spoke to 10 different people who couldnt speak english.
In the end they tell me my card was blocked and they will call when they fix it. I am still waiting and mad because I didnt choose this bank but my university did.
And I am helpless here.

Sou cliente da CGD há cerca de 40 anos. Tenho actualmente o pior serviço de sempre. A agência à qual estou ligada ( Alges) nao responde aos clientes: não atende telefones e não responde a mensagens. O passo seguinte será, provavelmente, mudar de banco! Para que servem os lucros da CGD? Para pagar os grandes devedores e negligenciar os cumpridores que até depositam lá? Gostaria de ter uma resposta.

Fui à Caixa Geral de Depositos na Boavista para levantar € 800 numa máquina nova à entrada que disponibiliza esses valores. Às 14:30 indicava que não havia dinheiro na máquina. Dentro da Caixa informei um funcionário do sucedido que me respondeu "já pusemos € 30.000 hoje de manhã mas já foi todo levantado. Perguntei então se não carregavam de novo e disse-me que não podia ser. Tinha que ir à caixa e pagar € 5.00 para levantar esse valor....
Conclusão: quanto menos dinheiro confiar à caixa melhor, assim deixa de ter esse problema.

This morning I went to order cat food but my transaction did not go through and yet, I knew there was circa 500 euro in my CGD account. I checked on my CGD app and could see the whole lot had been removed to leave a balance of '0' - against description it just said 'Classic'. I knew it wasn't the mortgage and my wife and I did not use the card today. I simply wanted to understand what this was for but it has proved impossible.

I initially logged onto my account and tried to send email but you can't send a message to CGD without selecting 1 of 3 'drop down message subject heading ' which is totally irrelevant for the query - 'proof of income', 'proof of insurance' and an 'exception support' had prefilled in messages totally irrelevant that you couldn't type over. What's the point of that?

Secondly, I knew that asking for a call back service to a nominated phone was a total waste of time as I tried that previously. Not only does it take days as there are 'no slots available' but when you do get the call it's not from a person but from the Portuguese robot with options that just match calling them directly. Utter nonsense

Thirdly, I try and phone them directly (multiple times). You get some comfort when you hear an option whereby you can 'select English' but that's short lived as once selected and upon hearing in English that the 'phone call will be recorded' it just reverts back to Portuguese. In the event you randomly press '1' and actually get put through to someone they don't speak English and tell you they will put you through - only for you to go full circle back to Portuguese robot which invariably then hangs up on you. I've tried phoning 3 times this morning without any success - I even tried a UK contact but that put me through to someone in Asia (service centre) who cut me off.

The only option left is to drive to my nearest branch (nearly an hour round trip) in the hope I can speak to someone to clarify why all funds were taken in a single unrecognised transaction.

Pathetic

12/12/23 So I went into branch Ansaio and spoke with CGD rep. and she clarified that the sum was a credit card payment. I was unaware that CGD default terms of credit usage is 100% payback unless you manually change this %. In the UK the normal amount taken each month is credit balance interest only not 100%. Why I had to drive over there and not be able to clarify over the phone or from an email is backward for an international bank.

one of the most savage banks ever i experienced corrupt, racist, and has no respect for foreigners who bring business to their bank. most old ladies are dealing with customers with no respect and savage pathetic ironic smiles. they block online access without any reason, they have a reason that we are using from out of Europe etc i travel around the world where developed countries and also under developed countries but in pathetic service CGD bank , they dont care , they don't know anything so ignorant people i never seen in my life

Pior aplicação de banco de sempre!
Nunca funciona, sempre em baixo, super lenta, surreal para um banco. Vou trocar o mais rápido possível.

After hearing comments from other unhappy people, I realized that, I'm not alone and the waters surrounding the CGD are very polluted. I have inquired to a senior public servant from CGD about my passbook savings account, dates start from 2001 until 2010 showing only 18ct credit interest on 2009.
I was told by this senior public servant, CGD stops paying interest on savings accounts.
If this is the case why they credit 18ct from 2001 to 2010 (almost ten years)?
And why they still calling this a Savings Account? Statements showing only expenses, no credit interest.
I think something is very wrong.
In this article, Posted 25 June, 2019 by essential business it says, Caixa no longer to pay interest on accounts under €6,670
State-run Caixa Geral de Depósitos will cease paying interest on current accounts with less than
€6,670. During years I had my account with a substantial amount of over $6,670.
Any thoughts about this issue?

What a terrible bank this is. Been with them for a couple of years now, but the service is way below average when it comes to solving issues.
I have sent them several messages, even went into the office to address the unnecessary blocking of my card for "my safety" and they simply do not reply or phone me back as they promised me after my visit.
Can't use my card, so what is the point of having an account with them, if they won't solve this?
From all the banks I used in the passed I am used to being helped immidiately when I don't have access to my own money. As for looking out for my safety, the safety of my money is also my responsability. If i do not take care of my security codes, this is my own fault. So no need to block my cards when i try to make an online purchase 2 times in a row. The reason it was 2 times, is because the damn thing never seems to work, that is why I try to make the purchase again.

Total rubbish and disrespectful for letting me wait over a week now and not offering any help to unblock my cards.

Horrível. O Caixa Directa por telefone é o pior serviço que já vi. Mais de 20 minutos para falar com um operador que em seguida redirige a chamada para autenticação e volta a pôr em espera, e depois ninguém atende!

Tempo de atendimento péssimo quando tem mais de 10 utentes presenciais.

CGD should be embarrassed to have an employee running its branch in Johannesburg. Alvaro Legoinha has his own ideas on how to run a branch. This man has no customer care, his ill-mannered and disrespectful to say the least. Its disgusting!!!!! Caixa Geral....best you look into this before everyone closes their accounts!!! Pathetic service!