Свой Банк
★ 3.9What it actually doesOnline bank with debit and credit cards, transfers and cashback, but with critical stability issues: application errors, account lockouts, support problems and lack of promised features.
Actually does
- ✓Banking90% of reviews
- ✓P2P payments60% of reviews
- ✓Budget tracking20% of reviews
- ✓Блокировка счета по ФЗ-115(bonus)15% of reviews
- ✓No account required15% of reviews
Claimed, but not confirmed by reviews
- ⚠Recurring payments
- ⚠Invoicing
- ⚠Multi-currency
- ⚠Password manager
Common complaints
- ✗Persistent app errors and form resets35% of mentions
«The app keeps throwing errors, all filled forms get reset. It's impossible to open or close products.»
- ✗Account lockdown and fund freezing for extended periods15% of mentions
«They locked my account with borrowed funds because I couldn't update my passport details for 13 days!!!»
- ✗No technical support or non-functional support25% of mentions
«There is no technical support. I was trying to get through on the hotline for a whole hour!!!»
- ✗Non-functional payment methods (QR code, bank details, mobile top-up)20% of mentions
«No QR code payment. No bank details payment. No payment at all, except phone transfer.»
- ✗Hidden fees and unexpected interest charges10% of mentions
«They charged me 1,500 rubles in commission that wasn't mentioned anywhere.»
What people praise
- ★Fast transfers without delays or blocks
«Transfers go through without delays or blocks.»
- ★Simple and convenient app interface
«I really liked the app itself. Simple and concise. No spam clutter.»
- ★Attractive cashback terms and spending categories
«Nice cashback categories in the app. I was satisfied with the credit card terms.»
- ★Stable operation without bugs (for working users)
«Works great, never let me down. No bugs or other issues when using it.»
- ★Fast support response (rare, but happens)
«I contacted support, they sent me a statement form, and within 3 days unfroze my account. Support responds quite quickly.»