Knab

Bad incorrect advice, by employee, about unblocking the debit card. She physically let me go to a bank to debit, knowing that there was no balance in that account anymore. When I spoke to her about it, she responded very stoically and customer unfriendly.

Of course I had to send documents to apply for a business account. When transferring 0.01 cents, the automatic system notices that I have two surnames, so I had to send a copy of my marriage certificate as proof of my married surname. After I did that, it would be "arranged" manually. Unfortunately after multiple chats and phone calls in which a commitment is made, I have not heard or seen any of the knab at all. Now I will have to apply elsewhere.

After hearing many positive stories about Knab, decided to switch. Since December 28, I have been trying to open a business account via the appropriate app. The app hangs, always at the same point. App removed and reinstalled: did not help. Tried to contact us several times via chat. Long wait and no response. Even now I have been on hold for 25 minutes, after a few minutes I received 1 response from someone who clearly had not read my story and therefore gave an advice that I cannot use. Then radio silence. In the meantime also tried to call, although I do not expect that they can help me that way, since you have to arrange everything via the app. In the queue at the telephone I dropped out: many people waiting in front of me.
In short: how badly does Knab want a new customer?
Update: now staring for 30 minutes at a chat box that remains disturbingly quiet, even after that one answer.

We have applied 3.5 weeks ago to open a knab bank, because of a wrong email address, which we immediately changed, our bank is still not active. Twenty times on the phone that it is necessary for the bank to be active soon, because of a deposit rented property. What was possible after 2 days was already deposit money on it, this has also been parked for 3 weeks. The call help desk really sounds like a call center. I already regret as hair on my head that we joined this bank. Bad service, annoying call center conversations. I would not recommend it and I am just a customer. MVG PS AND NOW I SEE ALL THE REVIEWS, HOW CAN YOU HAVE SO MANY STARS, PAIR OF BONE ACCOUNTS HAHA THAT GIVE 4 STARS, IT IS 4 STARS or 1 STAR LOOOL.

From the start I am very satisfied with KNAB, both business and private. Everything is very manageable and if you can't figure it out, there is the great help from the service desk. No regrets that I left my previous bank. Interest rates are also still slightly higher than with most banks!

Already a year as a business customer at KNAB. I like it very much. Switched from ING, mainly to costs. Switching went fine, with the switching service, amounts that came in on the old ING account were automatically transferred to KNAB.

What I miss are the SMS TAN codes. I don't like the fuss with the cardreader ... I thought the ING system was better.

The alerts and automatic transfers with certain balances are a handy addition.

The total overview of all accounts on the homepage of the site and app may also be different from me. That you do not immediately see what the total balance is when you open the app.

And I also wait for the possibility of a business credit card. If all goes well they are working on it.

Great small-scale bank that is very personal and customer-friendly.

Great sofa. Fast, clear and reliable. Friendly too. User-friendly website and internet banking. No unnecessary costs.

Have had KNAB as a bank for both private and business for several years now. More than satisfied with the services. Easy to operate app. Quick contact if necessary.

Switched from Rabo to Knab. Went very easily. And now I notice how great it is when a bank advises me how I can save or earn money. Am happy with my choice so far.

Pleasant, timely communication. Excellent web site, clear navigation on both desk-top and mobile

I think it is a shame that after initially higher interest rates than the other banks, there is now no longer any question of this, even considering the monthly costs even higher than RABO and ING. Was it a bait in the beginning?

fast and very good adequate service / assistance.
Nice couch.

As a Knab business customer, I am very happy with customer service. The banking app and automatic accounting link are also worth their weight in gold.

Full of expectation tried to open an account. If you do not have an ID with an NFC chip, stop it. Helpdesk is therefore not in the mood to help you further. In retrospect happy that it did not succeed given the effort / attention they put in helping / guiding new customers with a problem ...

A good internet bank. He may have the best interest, but still sadly low.

already more than a month busy opening an account called explained multiple times id had to scan while it was still legible would also be called back so not
called again now my request has been canceled due to a malfunction of their can after another pfffffff call
have to do everything again
is an account and / or go and talk to my wife if that is a good idea

I have had a business account at KNAB for 6 years now and I am very satisfied with it. The service is good and not as expensive as other banks. I cannot actually switch privately, because I will lose a discount on my mortgage. And KNAB does not yet have an apple pay.

The least innovative bank in the Netherlands. Complete standstill for 3 years. Still no Google NFC payments, while I have been able to do this with a large bank for years. All new developments are based on the further milking of the customer base and service of self-employed professionals, consumers are clearly not important.

After opening my Knab account, I was quite excited. Now that the Identification procedure has started online, I quit completely. The app does not work and Knab's cooperation is very, very hard to find. Have been on the chat for hours, sat on the phone and have not come a step further. It is a pity that the bank that started so well lets it down.

Well, sir Y Yo, you can't handle the app.
The app works great, never problems, excellent accessibility and that for 5 per month.
I am very satisfied

Nice bank, best so far, suppppper friendly employees

Excellent bank that actually does what it promises. Customer oriented and good service. Can also recommend KNAB because the bank costs are relatively lower than at other institutions. Especially in view of the excellent service that is offered.

I am satisfied with this sofa. I really like the app and the banking on the PC is also fine. No problems so far and friendly customer service help.

Super nice sofa. You can open as many accounts as you want. Very useful if you work with money boxes. Never had any problems. You can set alerts yourself. For example, I receive it if I pay abroad or if I transfer many of the same amounts in succession. This sofa is an absolute must.

A real drama this sofa. Many requests for identification. Hardly approachable. Without consultation decided that cartreader is off the track and so on.

Worst app ever. Four conversations with the helpdesk and an hour and a half later (and using a login method that is not even shown in the app by default) I finally succeeded.

The directors of Aegon provide themselves with royal rewards (the first 2 alone 7.5 million euros in 2019), so you immediately know where the money for the development of the app is going.

Excellent bank with good facilities.
Problem for me is logging in, this often fails.
this is annoying and time consuming.

If you want to bank easily and online. Then Knab is the bank where you need to be. I am a satisfied customer.

Knab. Stayed small by wanting to get too big ... Five years ago I was amazed by the customer focus of customer service. Over the past three months, however, I have become very disappointed with the customer service of this bank and have decided to switch to ASN. Knab charges 5 per month for their services. For that I expect a solution-oriented customer service. I have found that this is no longer possible for Knab. Pity.
To begin with, the treatment. I value respectful treatment and express this by not tutoring third parties. At Knab people are invariably sent for unsolicited. Even after I keep asking not to.
Furthermore, the accessibility of customer service. Until a year or two ago I could easily reach them by phone. The waiting time was no more than ten seconds. I felt like I was being helped from A to Z. There was 'ownership'. This means that I was helped from A to Z by one and the same employee until I was satisfied. There was time for me. In 2020, customer service is practically no longer available by telephone. At least thirty minutes of waiting time is the new normal. I spoke to a grumpy and uninterested employee twice. I definitely did not feel treated like a king (customer is king, right?).
Now I have to chat with an employee via the app. Questions from me are handled with standard answers. I needed a new bank card. Doesn't it seem to me that customer service should send that? So it turns out that I have to request it myself by logging in via the website. Everything has to be done via the app, right?
Recently I wanted to transfer 4,000 via the app. This requires a confirmation with the Card Reader. After my move, I lost my card reader and asked customer service to send a new card reader. It was answered that the card reader is being phased out and will no longer be shipped. I had to make the payment through the website. Again: everything has to be done via the app, right?
Today I could not log in to the app until about 3 p.m. After inquiry, this turned out to be an update of the app. In the meantime, I tried to log in via the website. Because the app was not working I had to enter the password. Since I haven't used that password for two years, I forgot the password. With a forgotten password you must use the card reader. However, it is no longer reinforced.

All in all, I got the feeling that Knab is now so big that the shareholder (Aegon) wants to cash in. Costs must be reduced and income must be increased.
They chased me away with this. No more Aegon for me and certainly no Knab.

Good bank, all works well, low costs - only the spaces to swipe money to another own account, that would be more convenient than a complete transfer to your own account within your own knab environment

What a unique and extraordinary bank. The app can do everything that other banks miss. You will also receive the first period discount for both business and private individuals. Customer service is fast and accessible, not a jerk with lengthy telephone menus. The chat works on app and pc at the same time. Only praise for this bank, which really does everything differently. I should have switched much earlier.

Well thought-out and great sofa. Excellent working app. Happy with the switch from traditional bank to this modern platform.

What a drama. I have already filed a complaint 3x and through the chat I get the same answer every time which does not work.
I have not been able to make transfers for a week because the app is not working. According to Knab I would then have to remove the app (done 10x) and install it again (of course also done 10x). However, you will no longer be recognized as an existing customer and you will have to enter everything again.
ID scanning is no problem, but you will not get any further with the selfie you have to take. There it is indicated each time that it does not correspond with the previously taken selfie that Knab would have made!?!
Calling all fantastic 17 waiting after 30 minutes 16 waiting. So there is definitely something wrong with the ID system, but just let the customer do the same actions again without a solution.
At the moment I cannot access my money, I cannot pay suppliers and I can only pay by card.
Have been asked several times whether it is possible to run the entire payment process via card reader.
I just don't get an answer to that question.
What are you going to do about this ????

This is serious that KNAB also dares to indicate in the response below that I can then submit a complaint. Please read that I have already done 3x !!!! Ultimately by a sighing employee who did not attach great importance to customer-friendliness. Why because it only worked after 20 tries. In the meantime a new phone and you guessed it. Transferring as KNAB indicates does not work. Now I only have to keep using my old phone for the KNAB app, because they don't have a solution. Now let's find out where I can best arrange my banking affairs.

Six months ago we made the switch to Knab.
It seemed time to use a modern sofa that embraces modern possibilities. We have been guided in our choice by the relatively attractive rates and customer satisfaction.
The end result was disappointing; the app turns out to be messy and slow, the bank cards are difficult to read at (many) unmanned petrol stations, communication with the bank via the app is time-consuming and cumbersome.
Time for another bank!

Dirty scammers have blocked my account due to suspicious transactions!
People don't open an account here !!!
They are scammers and let me wait a long time before I got my money back .. I was unable to pay my bills on time, poor customer service that makes you wait a long time, it seems that people with a low IQ work there, some can't once a normal answer to your question it seems like they don't want to help you.
Never again do I want to be a customer here very bad nasty experience!
Hold my own money so that I could not pay my bills! This is really retarded and goes too far !!! People just stay with a large bank, these small scammers are not serious !!
Sincerely hope that they will go bankrupt soon.

BAD AND EVEN AGAIN BAD !!!!!
DIRTY SCAMMERS !!

Do not join the sea. After being a customer for a while, this bank adjusts your risk profile (without any change in business activities), after which you urgently need to look for another bank. At the moment there is a queue at each bank (ABN 4 months!) So this is anything but quick to arrange.

What a ridiculous bank. Try to open an account from a VOF. First you have to transfer an amount from your private account to identify yourself. Okay this is still possible. It suddenly appears that if one of the directors of a Dutch company lives abroad, for example Belgium, you cannot open an account. Mind you is just a Dutch VOF?
How stupid can a bank be. As an administration office, we are not going to do this. simply discriminated against as a Dutch citizen with a partner living abroad.

Not at all a bank for freelancers or small entrepreneurs. Want to see a website with pictures of my trade as proof of my activities. Yes duhuh .... as a starter I first have to have a bank before I can even go shopping. Communicate via email because this has been chosen and therefore delay calling the customer if that is more convenient. All in all my application withdrew and went to a real bank. Thank God!!

In itself a nice sofa, the combination private / business works very smoothly, easily and clearly. Unfortunately, probably because they had to protect themselves better, it has all become very cumbersome now. You must log in with your card, a box, your pin code, and two confirmation codes (which are very long). If you are logged in, you can redo the entire party if you want to transfer something. Perhaps the app is more convenient, but I find it difficult to do research and see how and what etc. I can no longer switch, because for my company that really means a pile of paperwork and labor, but actually I think it has become too cumbersome and therefore irritating.

at least a bank if your money on it receives interest and can open accounts itself.
Also nice overview and financial overview of all your assets, if necessary!
Only for business rack waiting is still at an office where you can also deposit your cash.
And a pin device offer from KNAB would also be nice.

Customer friendliness is not really something for the Knab. When applying for a business account, you get a whole questioning as if you are taking out a mortgage. I understand that this must be done by the government, but the way in which you can distinguish yourself as a bank! The knab shows itself here from its weakest side, so I have a lot of doubts whether this bank is the right one.

Chopped off. I am now done with Knab. At first it seemed like a nice alternative and the switch went smoothly, nowadays I am completely done with this sofa. The fact that banks are engaged in fraud prevention and the like is up to now. But the way they deal with their current customers is abysmal.

It is annoying that I had to work through an entire questionnaire in the app yesterday, whereby you increasingly get the idea that this bank would rather lose you than get rich. They think exactly the wrong way about this bank, just like their name implies. First they will bully you with all kinds of questions and only then will they tell you why, namely to be able to dump you as a customer. Just called an employee yesterday and he indeed said that Knab is looking to see if you still fit in with them. So the upside-down world.

In short: think before you start banking with this bank. They would rather lose you than get rich, adjust their policy first and only inform you about it afterwards. I was always very positive about them, but now completely chewed down. I'm done with it, so much hostility towards your customer, you really don't feel welcome anymore.

Supplement: this was not about identification with your passport, as is mistakenly thought below by the Knab employee, but about endless questionnaires in the app about your company, in which industry you are, how you drink your coffee, what shoe size you have. and the like (I'm exaggerating a bit, but in this direction). All to see if they can find a reason to dump you as a customer.

Since my switch to KNAB a year and a half ago, I have not had any negative reports with CHAPEAU. Highly recommended.

I am very satisfied with this sofa. From excellent customer service to the incredible ease of creating new accounts with no charge. Glad we were switched at the time! Keep it up Knabbe people

Worst bank I have ever had, always malfunction and when you call you are simply hung up again and again, the debit card also does not work with a malfunction, if you have just finished your food in a restaurant and therefore cannot pay heavy picker CHOOSE ANOTHER BANK! There is no worse than this

Fine bank, please note! no login possible via iDIN! (Need more and more)

KNAB a nice idea, They are part of the parent company Aegon.
Having an account for free is really a big advantage.
I have used this account for almost 4 years now but never before. Because if you transfer money to someone who does not have an account with KNAB, it will take a working day before the money is in his or her account.
And because too few people switch to KNAB and, for example, stick with well-known banks such as Abn-Amro, Rabo or ING bank, nothing will change quickly.
So today I have made up my mind and canceled my account at KNAB. The employee I spoke to was pleasantly friendly and helpful. It is therefore not the problem. It is purely due to the fact that too few people switch to KNAB.

Nice no-nonsense story. It is a pity that you do not allow a VOF. Then really everything would be visible within 1 app and 1 screen.

See many business reactions ranging from very satisfied to the reverse but as a private individual, I am disappointed in any case. The interest of the savings account is no longer the highest and managed investment has been a mockery for 1 year and 3 months. Portfolio consists of 60% of a global fund and then a number of (5 or 6) trackers. for the most risky at least. Adjustment after more than half a year 0. Will also be adjusted once per year, according to the conditions. Then I can do it better myself. Finally, I have been an inactive customer for years. that is, use it as a calculation and find the ICT just as clumsy as most other banks. If you want to sell your investment 1 day ahead, you will receive a notification that you can only deposit to a payment account ... well, I did. When I wanted to include the whole credit on the day itself, it did. However, when I opened a chat for cancellation account the employee said that the assignment could not and judged him .. Seemed unlikely because if the stock market moved 15% down the next day I would have been a bit red, :-) . So the only thing that I am very satisfied with is the customer service. The strange thing is that the icesave bank had its ict in order. Unfortunately, both must be good. Still wait for this. and the latter does not only apply to KNAB, but every bank bank in the Netherlands is active

Unfortunately, there was an immediate failure. If it is so busy, get more staff

Professional, patient and friendly a problem was solved very quickly by a mean phishing SMS.

Imagine that there is a bank that takes your money away if it goes bankrupt. but if you want to cancel your account, you can only do so if you have more than 0.00 euros. awesome!

Worthless, in advertising they pretend to be the Bank, you don't want to open an account, you get stuck at your Chamber of Commerce, they only want simple one-man businesses, in short, it becomes a bit too difficult for them, think of BV or They immediately quit holding, they are bunglers, I therefore advise not to do business with this bank, which apparently has no knowledge of the matter.

(See also Knabs response to this review. Get the tip to start a chat via the app. Sigh. And I had already done that - if Knab had read correctly - and even asked to call back. Now eight hours later and still no call. Too bad that there are people who can respond to reviews but no one who makes that call, so now from 2 to 1 star.) For a long time a great solution for the small freelancer activities. Would even give 5 stars because of the price / possibilities. Today, unfortunately, we have come across the downside of cheap. Customer service is not available. You can't even stand on hold. Waiting for the chat took forever. To get the solution to my problem in chat: You will have to contact by telephone. Well great. How did that saying go again? Cheap = ........

More than 7 business days to identify me. I've sent tons of documents and today for my surprise they asked another document.
I'm trying to open a corporate account

Terrible sofa. unreachable, super customer unfriendly - I try to close my bank account out of desperation and even that doesn't work because they are unreachable

A lovely sofa. I have transferred all my business accounts and personal account: great. Fast, adequate, logical interface, all payments go smoothly with the mobile without messing with the random reader as with the rabo or ABN and in any case much earlier. The latter in particular is my pleasure at KNAB: where I previously always lagged behind on any technological development at rabobank (not working app, worthless mobile site, always that random reader), KNAB has it all in perfect order.
Business-wise they are sublime. I have been with ING, where I received a service for more than double the costs per year (up to three times) that you would complain about if it were free.

You can't get me out of here.

Only partly responds to the needs of the consumer.

If you want to manage your money online at the highest interest you can currently get (not much, but still), knab is a nice "extra" bank. However, interest rates are dropping like crazy at KNAB, so that is becoming less and less interesting.

You cannot get a deposit. Foreign payments are not possible, etc.
So it is not a bank replacement. Actually only a placeholder for your savings.

Creating management of accounts with requesting passes and all that is handy. Applying for a credit card is hopelessly cumbersome. I also find it annoying that they place all kinds of services with vague 3rd parties. Such as CCs at Qander, who has already accidentally sent me a penalty twice now that is not intended for me and I had to go back and KNAB can keep its hands off it. I prefer 1 point of contact.

You can sign up for crowdfunding online, from which you will receive all kinds of spam messages by SMS and email that you cannot turn off online but have to call for with a cumbersome process. You can create a savings account yourself, but you can delete it (an empty one that has never had money on it) after a mistake, you have to call again, which again results in a time-consuming process for something so simple.

Sometimes things also go wrong with interest payments, etc. So it feels a bit mixed.

So they are not yet able to really satisfy my need. For a "modern" bank, they miss quite a few opportunities and possibilities. For example, take a look at the household booklet of ABN / AMRO, among others, Or the options that BUNQ offers.

For that reason it is also unthinkable that I would have to do without ING. In short, that is actually impossible. There are still too basic services for that.

You can arrange a lot of convenient online arrangements at KNAB, but I miss some things like importing collective payments and Apple Pay, which has reduced the innovative feeling.

Super good service, easy, well-arranged. Very satisfied!

Refuses customers without reason.
Every Dutch person should be able to open an account with every bank and not the bank chooses who has and who has not received an incomprehensible license

I experience Knab as a very pleasant couch. Customer service is in order, competitive package prices and a nice interface. However, I am disappointed in the lack of modern or contemporary functionalities, especially from a business point of view. There is no collection option, Knab does not yet support NFC payments and no if-this-than-that (IFFF) rules can be created. Competitors such as Bunq address these functionalities and customer requirements, in particular, much better and faster. Some functionalities have been open for several years / months as a suggestion on Knab Open. Time for a catch-up :-).

Business customer and very satisfied. Very customizable.

Knab bank gives me an easy way to have multiple accounts. Super easy.

Has been a Knab customer for a few years and never regretted the switch. The costs are very low. I can open as many accounts as I want and internet banking works very well. I think calling the customer service is the biggest plus of the Knab. No lengthy choice menus but immediately an employee on the line who is also friendly. At the time I was very reluctant to change banks, but afterwards I should have done it much earlier.

Totally unreachable. Very bad customer service where you are on hold for more than an hour. (How difficult can it be to put an extra employee behind a telephone during this time?)
During the queue, you will be prompted to find out for yourself and contact the chat. When you open the chat, I got the message that the chat is not working. Also declares that it will not be responded to.
You / I don't expect such bad service from a bank, outrageous!

So far very satisfied with my business account. In any case, cheaper than the other banks and you know exactly where you stand to pay. The transfer service is also fine.

Great bank, always quickly accessible and innovative, such as recently lowering investments now that interest rates are so low.
A satisfied customer for more than 5 years, both business and private.

Top bank! Cheap and well-arranged. No hidden costs. Customer service is very good and helpful. I would definitely recommend switching

Nice sofa. You know what it costs, communicate clearly and services run technically stable.

I am very satisfied with my KNAB accounts. Although the monthly price may be slightly higher, you will receive an excellent service in which everything goes digitally. I am very pleased with the chat services. Nothing takes a lot of time to arrange and that is great as an entrepreneur.

The only point of improvement is the provider of the free credit card: they block your credit card immediately if you have not paid a bill for a few euros and then it takes a while before you can use it again. Not very flexible to use. I cut it after a month.

I am very happy with KNAB, both business and private! The app is clear, works well and when I need help once, I am quickly and professionally helped by KNAB people. Not to mention the costs compared to the other banks. Really great!

I like the fact that KNAB does it differently from the old-fashioned banks. Just provide good service. You don't need a big building for that, but you do need people who know what they're talking about. All my questions have always been neatly handled. Even outside office hours.
I have both business and private accounts with the bank and the freedom you have is very pleasant.
Nevertheless, I have one point that really needs to be arranged at KNAB, even if rules have to change within the banking system, which is opening an account for your children where the parent still has access to the balance overflow. The children must be able to arrange their finances with their own KNAB app, yet under the watchful eye of the parent (s). If that is arranged then KNAB is a trendsetter and has really understood that the future looks different.

opening an account here is impossible. I have been working on it for 2.5 months. no bank card or reader and the app does not work on your phone. Called back you are not already tried 5 times. cancellation is also impossible because then you have to log in which I cannot do. Calling and chatting does not help. Because people there can't help me any further

Only had stress and glad that I canceled my bill. It is definitely not recommended or you find it pleasant to have to call them every time.

Handsome is really a bank for entrepreneurs: quick, easy. Excellent service eg via chat. In the past period I had a lot of service interruptions via the app and internet banking. Furthermore, it is very frustrating that handsome does not yet offer Apple Pay.

Really think before you start working with this bank.
As long as everything is running, there is no problem, but if there is an adjustment it will take you days!
Identification via a contra account that you no longer have is not possible.
You can send whatever you want driver's license ID license Chamber of Commerce certificate the size of your boxer shorts you will no longer reach your banking business.
I have no words for this ... people who work there except for a few people really don't care ... and before you have someone on the line you are 18 waiting!
So pick eggs for your money, if you can get to that;)

It is super easy to open an account and transferring money is quick and easy. Furthermore, it all works as it should!

It is a shame that the KNAB Crowdfunding will be terminated at KNAB. Poor choice of KNAB.

I have been a business customer at KNAB for about 1.5 years now. So far I have had positive experiences in communication with KNAB as well as with bank transactions. The website and the app are clear and user-friendly. The ratio 'services and costs' to other banks is good and therefore in balance. In the (near) future, if I come across issues that (may) hinder my business operations, I will discuss this one-on-one with KNAB, in order to find an appropriate solution. So far it has been satisfactory.

A neat online bank with the services you expect from a bank. Everything arranged quickly online and perfect communication via chat.

Helpdesk has long opening times. You will be helped quickly. Opening a 2nd account is within 3 minutes. Both on your current account and flexible savings account you receive (more) interest (than other banks). Unfortunately, opening a business account nowadays is much more difficult than before is the experience. Too many often irrelevant questions are asked. Or questions that are very difficult to answer. And if you have a BV structure, it is no longer possible to open an account!

Very satisfied with Knab for my business banking. Service is good, fast and friendly

Worthless. Not aimed at the customer and certainly not thinking along. Do not take this sofa !!

The moment you really have a problem with your account then this is really a terrible bank. You can wait for hours on the phone (you refer to the chat). The chat refers you to telephone customer service, so you are sent from the box to the wall. On the telephone you can safely wait for half an hour after which you can hang up. Then you just have to wait and see how and when you will be helped. I will switch immediately afterwards.