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Dieser Erfahrungsbericht zur VR-Perfekt wurde uns am 08.12.2019 vom Nutzer Jürgen übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich habe am 05.10.2019 das "VR Perfekt Festgeld" für 1,0 % für 2 Jahre online beantragt. Per E-Mail wurde mir der Antrag bestätigt und ich wurde aufgefordert, mich per Postident oder Video-Legitimation zu identifizieren. Ich wählte das Postidentverfahren.
Nachdem der Bank die Legitimation vorlag, wurde zunächst ein Girokonto als Referenzkonto eröffnet. Ich war nun Kunde der VR Bank Bad Salzungen Schmalkalden.
Wenige Tage später erhielt ich einen Zugang zur Online-Kontoverwaltung und eine Girocard per Post. Daraufhin sollte ich den gewünschten Anlagebetrag für das Festgeld auf das neue Konto überweisen. Ich bekam nun fast täglich Post von der VR Bank für die Online-Kontoführung: VR-NetKey, PIN, PUK, Freischaltcode und Informationen und Anleitung für das SecureGo-Verfahren.
Die App musste ich vorab registrieren, bevor ich den Freischaltcode bekam. Viel "Sicherheit" beim Banking, was ich gar nicht benötigte, denn mir ging es nur um das Festgeld.
Das Online-Banking, welches selbsterklärend ist, und in dieser Art (Oberfläche) viele andere Banken auch nutzen, benötige ich nur für den Abruf des Postfaches, da ich kein Interesse habe das Girokonto zu verwenden.
Zum Kundenservice hatte ich einmal per E-Mail Kontakt. Mir fiel auf, dass der Zinssatz (vor meiner Überweisung) plötzlich auf die Hälfte gesunken war. Es wurde mir aber sofort mitgeteilt, dass das Erstangebot für mich 30 Tage vorgehalten wird.
Insgesamt habe ich ein gutes Gefühl, da es sich um ein Angebot einer regionalen Bank handelt.