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Dieser Erfahrungsbericht zur Openbank wurde uns am 22.11.2021 vom Nutzer schuwe übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Das Konto enthält ein Girokonto, ein Tagesgeldkonto (das man ähnlich wie ein Girokonto nutzen kann) und eine Debitkarte, die im €-Raum kostenlos zu Lasten des Girokontos genutzt werden kann.
Die Kontoeröffnung lief problemlos. Die Nutzung im 1. Jahr ebenfalls. Nun wurde ein größerer Betrag Festgeld bei einer anderen Bank frei. Den wollte ich bei der OpenBk zwischenparken. Jetzt begannen die Probleme. Man wollte zunächst meine Steuererklärung. Nachdem ich mitgeteilt hatte, daß ich die noch nicht hätte, sagte man mir, daß ich sie einreichen solle, sobald sie mir vorläge. Ich fragte nach einer FaxNr. oder dem öffentlichen PGP-Schlüssel. Beides gäbe es nicht. Ich solle eine PDF-Datei zippen und mit einem Kennwort versehen.
Die 1. Mail fand man nicht. Hatte wohl die Systemkatze gefressen. Das erfuhr ich aber erst auf Nachfrage. Bei der 2. Mail konnte man den ZIP-Anhang nicht öffnen. Das erfuhr ich aber ebenfalls erst auf Nachfrage, nachdem eine kleinere Überweisung mit der Bemerkung zurück kam "Konto gesperrt". Nun wollte man zusätzlich noch den Beleg für die Herkunft des Geldes. Offensichtlich befürchtete man, ich hätte es mit meinem Tintendrucker erstellt; vielleicht auch, daß meine Tochter es gemalt hätte.
Die diversen Belege zippte ich wieder, rief aber gleich an, um mich zu vergewissern, daß alles angekommen war.Wieder sagte man mir, man könne die Datei nicht öffnen. Erst als ich drohte, nicht aus der Leitung zu gehen, bis alles geregelt sei, konnte man die ZIP-Datei plötzlich doch öffnen. Aber nun mußte alles noch an die zuständige Abteilung weitergeleitet werden. Man versprach (nachdem ich darauf bestand) mich anzurufen, wenn das Konto wieder freigeschaltet worden sei.
Heute, 3 Tage später, habe ich einen solchen Anruf immer noch nicht bekommen. Stattdessen erhielt ich die Nachricht, daß wieder eine Überweisung zurück geschickt wurde.
Ich werde das Konto kündigen.