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Dieser Erfahrungsbericht zur Deutsche Apotheker- und Ärztebank wurde uns am 23.12.2015 vom Nutzer molarbear übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Als Medizinstudent kommt man mit der Apobank relativ schnell in Berührung, zumal sie einem ein recht gutes Angebot bestehend aus einem kostenlosen Konto, einer Visa-Gold (!) sowie netten Extras wie einer kostenlose Auslandsreisekrankenversicherung und einer Mietbürgschaft unterbreitet. Leider wurde die Visa-Gold nun durch eine normale Visa ersetzt. Für den Normalbürger dürfte das aber keinen Unterschied darstellen.
Die Kontoeröffnung im Frühjahr 2013 gestaltete sich als einfach. Zusammen mit der persönlichen Beraterin im Büro und einer freien Auswahl an Getränken gingen wir alle Punkte durch, was ich als positiv empfand. Nach ca. 1 Woche erhielt ich auch die nötigen PINs sowie die Login-Daten fürs Onlinebanking per Post.
Das Onlinebanking ist wie bei anderen Banken. Ich bin damit rundum zufrieden und sehe derzeit keine Verbesserungsmöglichkeit. Ich nutze es derzeit allerdings auch primär über eine HBCI-fähige Software via smsTAN. Neben den kostenlosen smsTAN finde ich auch vorteilhaft, dass die Visa-Karte online nicht mit dem "Verified by Visa"-Verfahren bestückt ist, welches die Onlinebezahlung meiner Meinung nach nur unnötig erschwert und eher sogar Phishing-anfälliger macht.
Der Kundenservice war bisher sehr gut. Termine bei meiner persönlichen Beraterin habe ich eigentlich immer innerhalb eines Tages erhalten. Auch telefonisch war die Beraterin zu den Geschäftszeiten soweit immer zu erreichen. Es ging dabei unter anderem um Infos bezüglich der inkludierten Auslandsreisekrankenversicherung für Studenten. Die Unterlagen dazu hatte ich daraufhin binnen weniger Tage im Briefkasten.
Mein Fazit: Eine Bank, die meiner Meinung nach für Angehörige der Heilberufe absolut zu empfehlen ist. Ich würde hier jedenfalls wieder ein Konto eröffnen.