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Dieser Erfahrungsbericht zur Stellantis Direktbank wurde uns am 02.01.2015 vom Nutzer helhse übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Das Verfahren zur Kontoeröffnung war unproblematisch und ausreichend schnell. Am 05.12.2014 habe ich per E-Mail die Bestätigung der Bank bekommen, dass mein Eröffnungsantrag eingegangen sei. Außerdem wurden die noch fehlenden Schritte beschrieben. So musste noch ein beliebiger Betrag überwiesen und das Postident-Verfahren durchgeführt werden.
Ich erledigte beides, jedoch erhielt ich eine E-Mail, die darauf hinwies, dass noch kein Betrag eingegangen sei. Zur Klärung erfolgte ein Anruf meinerseits. Nach endloser Warteschleife erklärte mir der Mitarbeiter, dass die Zahlung vom Referenzkonto erfolgen müsse. Im Anschreiben stand jedoch nichts davon und daher verwendete ich ein anderes Konto. Nach Auskunft der Bank war damit eine Kontozuordnung nicht machbar und es sollte eine automatische Rücküberweisung erfolgen. Meine Zahlung erfolgte bereits am 12.12.2014 und am 02.01.2015 war das Geld noch immer nicht da. Der Mitarbeiter konnte mir auch nicht sagen, ob die Rückbuchung erfolgt ist oder nicht.
Ich hatte in diesem Zeitraum mehrfach Kontakt mit der Bank und auf massiven Druck bekam ich dann auch endlich einen Ansprechpartner zugewiesen. Das Problem wurde dann am 12.01.2015 durch eine interne Umbuchung erledigt. Der Vorgang von meiner Überweisung bis zur Umbuchung dauerte also 4 Wochen. Die Bank zeigte sich wenigstens beim Zinsausgleich großzügig.
Die Erreichbarkeit der Bank ist extrem schlecht. Ich hing jedes Mal zwischen 25 bis zu 40 Minuten in der Warteschleife. Das Onlinebanking-Portal ist in Ordnung. Da ich nur Festgeldkonten habe, benötige ich nicht viel. Aufgrund meiner Erfahrungen muss ich die Bank leider mit "Negativ" bewerten.