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Dieser Erfahrungsbericht zur Bank11 wurde uns am 04.07.2015 vom Nutzer Rosalinde übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich bin schon seit September 2012 Kunde der Bank11 und zwar mit verschiedenen Festgeldanlagen und dem dazugehörigen Tagesgeldkonto. Die Eröffnung der Konten verlief problemlos und auch sonst bin ich mit der Bank11 zufrieden. Die Mitarbeiter sind gut erreichbar und waren stets freundlich. Das Onlinebanking finde ich sehr übersichtlich und gut strukturiert.
Kürzlich ist mir aufgefallen, dass sich das Referenzkonto ohne Weiteres auch online ändern lässt, was früher nicht möglich war. Aus Sicherheitsaspekten würde ich es vorziehen, wenn dies nur schriftlich möglich wäre oder wenn zwischen der Änderung der persönlichen Daten oder des Referenzkontos ein gewisser Zeitraum (z. B. 24 Stunden) läge und man per E-Mail darüber informiert würde, so wie es bei PayPal üblich ist. So konnte ich noch in derselben Sitzung das gesamte auf dem Tagesgeld befindliche Guthaben auf das eben mittels mTAN geänderte Referenzkonto überweisen, was mich etwas überraschte. Positiv finde ich jedoch, dass sich die Mobiltelefonnummer nicht online ändern lässt.
Ich habe die Bank11 anschließend per E-Mail über meine Bedenken informiert und mich nach dem Überweisungslimit erkundigt. So habe ich erfahren, dass dieses bei 50.000 EUR liegt. Dies ist zu hoch für meine Begriffe. Die Antwort auf meine E-Mail bekam ich schon am nächsten Tag. Die Rückfragen konnte ich ebenfalls sofort telefonisch mit dem in der E-Mail genannten Ansprechpartner abklären. Der Sachbearbeiter hat mir erklärt, dass es möglich ist, das Limit beliebig zu verändern.
Besonders positiv finde ich, dass ich den Freistellungsauftrag mittlerweile sogar im Nachhinein online ändern kann. Bereits abgeführte Steuern wurden meinem Tagesgeldkonto nach der Änderung wieder gutgeschrieben.