ISSUE 048 · SATURDAY, OCT 16, 2021
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PayPal

On the record

Peer-to-peer and merchant payments

Money DeskSan Jose, USpaypal.com
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The record

12,228 dispatches on file

Theo LudwigOn the record
Filed Aug 28, 2021
5 / 5

Call center was great

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. Lost my debit card on vacation and had a replacement at the hotel the next morning.

Helene Kraus
Filed Aug 28, 2021
3 / 5

Could be worse

signed up for the premium tier for lounge access and most of the lounges in my city aren't even covered anymore, kinda bait and switch. ugh the fraud alerts are so trigger happy, three declines in Lisbon last month and none of it was actually sketchy.

Larissa KrämerOn the record
Filed Aug 28, 2021
5 / 5

Decent app, better humans

Switched from my old bank in July and I'm honestly mad I waited this long lol. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. Had my identity stolen month-end and the fraud team called me, not the other way around.

Emily JägerOn the record
Filed Aug 28, 2021
5 / 5

Insurance paid out quick

APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.

Wolfgang GroßOn the record
Filed Aug 28, 2021
5 / 5

Refund hit at 7am

Mobile check deposit worked on the first try with my cracked phone camera, miracle. App is clean, no popups trying to sell me a credit card every time I check my balance.

Christoph BrandtOn the record
Filed Aug 28, 2021
5 / 5

Painless, actually

Lost my debit card on vacation and had a replacement at the hotel the next morning. Closing on the house happened 9 days early because the loan officer actually answered emails.

Anton GrafOn the record
Filed Aug 28, 2021
4 / 5

Mortgage closed early

Closing on the house happened 9 days early because the loan officer actually answered emails. They refunded a double charge from the taxi without me even having to upload a receipt.

Josefine KuhnOn the record
Filed Aug 28, 2021
4 / 5

10/10 would bank again

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.

Brooklyn PattersonOn the record
Filed Aug 28, 2021
5 / 5

Keeper.

Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.

Sadie DunneOn the record
Filed Aug 27, 2021
4 / 5

Fraud caught in minutes

Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild. They refunded a double charge from the taxi without me even having to upload a receipt.

Thomas Burke
Filed Aug 27, 2021
4 / 5

Aisha at the branch is a gem

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.

Oscar Watts
Filed Aug 27, 2021
5 / 5

Best rate I found

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.

Jack HarrisonOn the record
Filed Aug 27, 2021
5 / 5

Shocked at how fast

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. deposit cleared same day instead of the 3-5 business days nonsense I'm used to.

Harry Fitzgerald
Filed Aug 27, 2021
5 / 5

Approved same day

deposit cleared same day instead of the 3-5 business days nonsense I'm used to. Switched from my old bank in July and I'm honestly mad I waited this long lol. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.

Alba ChapmanOn the record
Filed Aug 27, 2021
4 / 5

Worth switching for

Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. Credit limit increase came through automatically after 6 months of on-time payments, no application. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Clara MorganOn the record
Filed Aug 27, 2021
5 / 5

No fees, no fuss

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Rhian NolanOn the record
Filed Aug 27, 2021
5 / 5

Legit saved me

Had my identity stolen month-end and the fraud team called me, not the other way around. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. Switched from my old bank in July and I'm honestly mad I waited this long lol.

Seren PalmerOn the record
Filed Aug 26, 2021
5 / 5

Finally a card that works

App is clean, no popups trying to sell me a credit card every time I check my balance.

Carys WallaceOn the record
Filed Aug 26, 2021
5 / 5

Call center was great

No minimum balance, no monthly fee, I pay zero to use my own money which is wild. APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.

Iona FlynnOn the record
Filed Aug 26, 2021
4 / 5

Big win on the APR

Credit limit increase came through automatically after 6 months of on-time payments, no application.

Catriona LawsonOn the record
Filed Aug 26, 2021
5 / 5

Decent app, better humans

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Aisling YoungOn the record
Filed Aug 26, 2021
5 / 5

Insurance paid out quick

Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.

Sinead KeaneOn the record
Filed Aug 26, 2021
4 / 5

Refund hit at 7am

My overdraft got waived twice this year because I asked nicely, try that at a big bank haha. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Brid BarnesOn the record
Filed Aug 26, 2021
4 / 5

Painless, actually

They refunded a double charge from the taxi without me even having to upload a receipt. Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Eilidh Allen
Filed Aug 26, 2021
5 / 5

Mortgage closed early

signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. Closing on the house happened 9 days early because the loan officer actually answered emails.

Róisín KavanaghOn the record
Filed Aug 26, 2021
5 / 5

10/10 would bank again

Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.

Aoife FisherOn the record
Filed Aug 25, 2021
5 / 5

Keeper.

The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.

Scarlett King
Filed Aug 25, 2021
5 / 5

Fraud caught in minutes

Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. Had my identity stolen month-end and the fraud team called me, not the other way around.

Willow SheridanOn the record
Filed Aug 25, 2021
5 / 5

Aisha at the branch is a gem

They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. Lost my debit card on vacation and had a replacement at the hotel the next morning.

Alice HolmesOn the record
Filed Aug 25, 2021
5 / 5

Best rate I found

Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold. My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.

Alice FontaineOn the record
Filed Aug 25, 2021
3 / 5

Love-hate thing

Branch staff are lovely, the woman at the counter downtown always remembers my name, but phone support is outsourced and painful.

Salomé Lambert
Filed Aug 25, 2021
5 / 5

Approved same day

APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. deposit cleared same day instead of the 3-5 business days nonsense I'm used to.

Côme DupuisOn the record
Filed Aug 25, 2021
5 / 5

Worth switching for

Mobile check deposit worked on the first try with my cracked phone camera, miracle.

Ambre BonnetOn the record
Filed Aug 25, 2021
4 / 5

No fees, no fuss

Lost my debit card on vacation and had a replacement at the hotel the next morning. Closing on the house happened 9 days early because the loan officer actually answered emails.

Philippe GirardOn the record
Filed Aug 24, 2021
5 / 5

Legit saved me

Closing on the house happened 9 days early because the loan officer actually answered emails.

Anaïs ThomasOn the record
Filed Aug 24, 2021
5 / 5

Finally a card that works

Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over.

Baptiste DavidOn the record
Filed Aug 24, 2021
4 / 5

Call center was great

Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Sylvie MichelOn the record
Filed Aug 24, 2021
5 / 5

Big win on the APR

Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild. They refunded a double charge from the taxi without me even having to upload a receipt.

Ethan LefebvreOn the record
Filed Aug 24, 2021
4 / 5

Decent app, better humans

The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment.

Elsa Laurent
Filed Aug 24, 2021
5 / 5

Insurance paid out quick

I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.

Hugo SimonOn the record
Filed Aug 24, 2021
4 / 5

Refund hit at 7am

Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. deposit cleared same day instead of the 3-5 business days nonsense I'm used to.

Jade Leroy
Filed Aug 24, 2021
4 / 5

Painless, actually

deposit cleared same day instead of the 3-5 business days nonsense I'm used to.

Romane PetitOn the record
Filed Aug 23, 2021
5 / 5

Mortgage closed early

Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. Credit limit increase came through automatically after 6 months of on-time payments, no application. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.

Tristan RichardOn the record
Filed Aug 23, 2021
4 / 5

10/10 would bank again

The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.

Alix RobertOn the record
Filed Aug 23, 2021
5 / 5

Keeper.

Had my identity stolen month-end and the fraud team called me, not the other way around. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.

Christophe DurandOn the record
Filed Aug 23, 2021
5 / 5

Fraud caught in minutes

App is clean, no popups trying to sell me a credit card every time I check my balance. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.

Stéphanie DupontOn the record
Filed Aug 23, 2021
5 / 5

Aisha at the branch is a gem

No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Mathieu BernardOn the record
Filed Aug 23, 2021
5 / 5

Best rate I found

Credit limit increase came through automatically after 6 months of on-time payments, no application. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.

Siri MagnussonOn the record
Filed Aug 23, 2021
5 / 5

Shocked at how fast

the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. Great. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.

Hugo BjörkOn the record
Filed Aug 23, 2021
5 / 5

Approved same day

Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs.