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Dieser Erfahrungsbericht zur 1822direkt wurde uns am 07.05.2017 vom Nutzer Linie3 übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich habe im März 2017 ein Girokonto und Wertpapierdepot eröffnet. Die Online-Kontoeröffnung fand ich einfach und unkompliziert. Für die Identifizierung wurde zwar auch ein Videochat angeboten, ich habe aber die konventionelle Variante mit einer Legitimierung via Deutscher Post gewählt. Kosten sind dabei keine entstanden. Positiv empfand ich beim Eröffnungsprozess die sehr zuvorkommenden Mitarbeiter am Telefon und die schnelle Zusendung (ca. 3 Tage) der erforderlichen Unterlagen für die Kontoeröffnung. Nach ca. 1 Woche war auch der Login in das Onlinebanking möglich.
Die Änderung der SEPA-Lastschriftmandate erfolgte dann meiner Meinung nach auch erstaunlich zuverlässig und schnell. Ein Dienstleister wickelte das gut ab, sodass der Wechsel des Girokontos schnell und ohne große Mühen vonstatten ging.
Die Übertragung von einem Teil der Wertpapiere von der bestehenden Bank zur 1822direkt dauerte ca. 1,5 Monate. Auch hier war ein Dienstleister zwischengeschaltet. Bei der Transparenz der Abwicklung gibt es allerdings wie ich finde Nachholbedarf. Ich wusste nie so richtig, wie der Stand der Dinge war. Letztendlich hat dann aber doch alles geklappt.
Beim Onlinebanking finde ich vor allem den Kontostand-Ticker positiv. Hier werde ich per E-Mail über Änderungen am Kontostand informiert. Als neutral würde ich die App bewerten. Da gibt es meiner Meinung nach im Vergleich zu anderen Banken noch Nachholbedarf was die Funktionalitäten anbelangt.
Außerdem finde ich das Ablagesystem für Kontoauszüge, Dividendenbescheinigungen, usw. etwas unübersichtlich. Eine Archivfunktion fände ich hier hilfreich. Auch die Menüführung finde ich nicht immer intuitiv gestaltet.
Den Kundenservice habe ich bisher online und per Telefon bzgl. meines Wertpapierdepots und der Abwicklung von Aufträgen kontaktiert. Die Erreichbarkeit war tagsüber und in den Abendstunden gegeben. Warten musste ich nicht lange und die Aussagen der Mitarbeiter erschienen mir kompetent. Hatten sich die Mitarbeiter doch einmal geirrt, haben sie mich angerufen und die Aussage korrigiert. Das hatte ich bisher noch bei keiner Bank erlebt. In der Regel vergingen ein bis zwei Werktage, bis ich eine Antwort erhielt.