Simple レビュー 108

This bank has no accountability when it comes to mistakes made. Not only did they overdraft my account by almost $20K when trying to buy a house, they lost the closing check and couldn't meet any request to receive the check at an earlier time, even when I offered to pay for the more expensive checking. You will never be able to speak to a manager. It isn't allowed for some reason, meaning that you will never speak to someone that can actually get anything done. Every response is, I will communicate this to the appropriate team. I've never dealt with a more unprofessional company that has caused more issues with any process than I have with this bank.

Originally selected this bank as a budgeting tool via a shared account with them. Unfortunately, there was no way to assign transactions that were paid for to the expenses that we listed within our budget. The safe to spend amount always read zero no matter what the available balance actually was. Extremely complicated experience and anything BUT simple. Customer service was also extremely incompetent and negligible, the first call being for 1 hour with no solution, the second call being a half hour long and to be hung up on. I'm throwing in the towel and will not be coming back.

Regarding the website, it's login is easy for customers. It has an overall clean and sleek design. The main dashboard is smart. The Safe-to-Spend feature that Simple bank offers is genius. I absolutely love it. I use it to budget all (or close to all) of my fixed/regular expenses. I also really like the graph feature. It's a great way to visually see how I have been spending my money. I don't believe the app has it. I can even see trends in each type of expense (such as shopping, or fast food) -- which is really neat. I really recommend everyone use Simple. Their Safe-to-Spend feature alone is worth changing banks for. I've been using Simple for a couple of years now and have no complaints. Customer service is great, it's easy to withdraw cash at places like Walgreens, I feel like I'm so organized now with my spending, and I can't wait to see what services and features they will offer next.

Simple is my choice of bank for online banking in the United States -- they have a super simple app that does everything you'd ever need it to do for US banking and customer support through the app is painless although it can sometimes take them a little while to reply. For urgent things, you can call them 24/7 -- I wish the in-app answering time were faster so I wouldn't need to use this option, though. Also, it would be great if they'd follow the lead of some other banks who do not charge foreign transaction charges/ATM fees.

Dear Simple,
This letter is meant to be read by everyone at Simple. Let me begin by saying I've been using simple to save for the past month now, and I inexplicably have nothing positive to say about the app. Let's simply put it as being a pain in the rare to used. Firstly, the app won't allow me to use it on multiple phones at ones without it logging out over and over again and asking for verification code every time it logged out. Secondly, it takes a generation to transfer money from your bank to simple. In my case, it took a week or more to see the money appear in my account. Which is just ridiculous! Traditional Banks are immediate or take up to two days maximum. However, those are not my frustrations ooh No. The utmost worst part about using Simple app is trying to engage a transfer from your bank that has already been linked to simple. I tried transferring money from my bank to my protected Goal account which in itself is as complicated as it gets. I cannot transfer money directly into my protected Goal account, because there isn’t an option that says transfer money to protected Goal. Moreover, I'll receive error messages after error messages trying to transfer money to Simple from my connected bank account. I thought it was the mobile app so I tried on my computer but the same error message persisted. I disconnected my bank in a desperate effort and relinked it again and got the same result. My last result was to write this letter to simple customer service who themselves are also a major problem. They usually take a week to respond to your message and won’t answer your call when you do call. You’ll be greeted by an annoying robot that won’t quit talking. This is far worse than traditional banks. Why Simple If you’re this complicated. And why be complicated if you’re in the business of dealing with people’s money. I have had it with Simple, I couldn’t be any more annoyed!

Simple is a great bank overall. The customer service is the best, they're always friendly. Simple does not have all the features of banks provide, but they do offer workarounds and they sort of replicate the features of Mint, just better.

They sometimes get political, which comes across as unprofessional. I strongly disagree with their political opinions, but do not believe that a bank should be speaking on political topics that has nothing to do with banking.

I had questions during the signup process and customer service was friendly and professional in helping me understand things. Also, linking and funding my account was well... here it comes.... Simple!

I used to rave about this bank,but customer service has went to crap and they hold your money way too long. It is simple only if you have direct deposit. Otherwise i would not recommend. Plus side is everything is free. Not overdraft,not one penny.