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Dieser Erfahrungsbericht zur VR-Perfekt wurde uns am 30.09.2019 vom Nutzer derHans23 übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich habe mich wegen der für mich attraktiven Zinsen für das Festgeld der VR-Perfekt entschieden. Das Konto habe ich am 15.09.19 online eröffnet. Identifikation war mit Postident und Videoident möglich. Das Verfahren ging insgesamt sehr zügig.
Es wurde ein Girokonto miteröffnet. Der Prozess, das anzulegende Geld vom Girokonto auf das Festgeld zu bekommen, hätte besser beschrieben werden können. Für mich hätte in dem Angebot klarer stehen können, dass das anzulegende Geld direkt von der Bank aus dem Girokonto entnommen wird und in die Festgeldanlage eingezahlt wird. Nach Überweisung des Anlagebetrages auf das verbundene Girokonto wurde das Geld innerhalb weniger Tage fest angelegt.
Alle notwendigen Unterlagen habe ich nach einer Woche bekommen. Wenige Tage nach abschicken der Unterlagen war auch das Online-Banking möglich, welches ich aber nur selten zur Kontoübersicht nutze. Es gibt eine App zur Erzeugung der TAN.
Telefonbanking nutze ich nicht. Mit dem Service hatte ich per Online-Formular Kontakt. Es ging um die oben genannte Prozessfrage. Meine Fragen wurden zeitnah, freundlich und professionell beantwortet. Auch was die Antwortzeit (ca. 1 Arbeitstag) angeht, war ich zufrieden.
Probleme gab es bisher noch keine. Was mir zusagt, sind die meiner Meinung nach guten Zinsen bei einer Deutschen Bank im VR Verband. Bisher bin ich zufrieden mit dem Konto.