Knab Review

Hahahhahahaha - Well busy people, refuse me as possible risk based on data from an e.o.a. company that is not even an official body and then just a crowd-fund action facilitating for a huge known scammer ( 400,000 Marc Leclercq).

Just fine, nice to see where your priorities lie and that you have no understanding whatsoever. Cheers!

In one word: bad
Forcing you to do things they have no right to do and if you refuse, they will block your account. they give you an excuse: that's our policy.
Oh yes, we have changed our policy since you became a customer.

Yesterday I opened my business account via the app.
That happened well and quickly. People shouldn't complain. You do not spend much here, other than at large banks that charge 34 to 60 for business transactions. So well arranged here for entrepreneurs, and that for 6 per month. For the rest, I have no point ...

Very satisfied as a customer at this bank, both private and business. Good accessibility and here they will call you back if they promise. Had contact with skilled people both over the phone and via chat. In addition, some improvements in the app, some bugs here and there if you have multiple accounts ...

What a relief, no bulky device and the digital things are in order, super clear layout and insightful when it comes to costs. Also the links with accounting packages; top. in other words: KNAB delivers what they stand for as far as I am concerned. Only thing that could still be an improvement; children (under-18) can now not have a (in their own name) savings account with knab, that is a shame in itself;)

Send erroneous emails, if you have a minus position then there is 700x (14% compared to 0.02%) more interest calculated on the negative balance.
If there is nothing special, people participate as a normal bank.

Simple, simple, smooth, service-providing, direct contact. Very satisfied.

What a drama, blocking the bill because the passport photo is suddenly not good. While it had previously been approved. You just can't afford anything for a few days. Furthermore, they still don't have NFC. And the costs have increased more than 50% in recent years. They are now almost at the level of ordinary banks, while they offer more service and options.

Extremely bad bank for entrepreneurs. They appear hip and snug, but there is still a lot to learn how to communicate with a customer. Excuses that they are small is also special, Aegon is behind this. It is / seems advantageous, but that also translates into the service. Rather pay a little more for a better service. A.o. payments abroad via forms that you have to fill in and limited payment transactions. Avoid annoyance and do not become a KNAB customer.

We use Knab both for business and private and are very satisfied. What we particularly like is that you can open an unlimited number of accounts without extra costs. This gives us much more insight into our finances.

No better sofa !! Super service and accurate, customer since the beginning, a breath of fresh air.

Dear, have another complaint about the service. In the meantime filed a complaint. Your colleagues cannot answer me about the cause of blocked collection orders. While there is enough money in the account.
They keep repeating that the BSN was not handed in on time. But that was solved a month ago and everything neatly returned and all collection orders have been successful in the meantime. Except today. We were then afraid of fake phishing messages. But still called the company and they say it is because of the blockade of the bank. When a chat started with your colleagues they both say that because of the late submission of a bsn document your account has been blocked. We wondered why? Was resolved anyway? We got the answer at the end of the call is not blocked anyway. (DUs be happy) We don't know anymore. Will we ever get the right answer? Do you take our questions seriously? We now get a stamp of 'through your fault' for the document that was submitted late. You always get problems with your account number. And everything is your fault!
does not ask too much about the causes.

I have been a customer for a year now, so this review is based on experience and not on euphoria from the first few days.

Customer-friendly staff at all times, but not always competent. The easy questions are answered quickly via live chat or e-mail. For questions where inquiries have to be made, an answer is often delayed. Immediate answers could not be given in two issues. After sending about 2 months and 4 reminders, an answer will eventually follow. Costs are quite high for the Plus package compared to other providers that offer a similar or more extensive service. On the other hand, there is the high savings interest. The free Basic package only offers the possibility to save, so is not an alternative to a checking account.
The functionality of internet banking and mobile banking could still be improved on many points and cannot match the online environment of the larger competitors. The frequently used promotions cannot be found intuitively, such as with online banking from Rabobank or ING. Also the pop-up menu that jumps up from the bottom of the browser is very disturbing. The overview of assets and liabilities and / or income and expenditure is unclear. With mobile banking, the balance of all accounts is immediately shown, including the savings accounts. This cannot be disabled and is annoying when money needs to be transferred in the presence of friends. If someone is watching, he / she will immediately gain insight into your overall financial situation.

I would only recommend Knab for savers with assets above EUR 20,000, perhaps as an additional savings account in addition to an existing checking account with another bank. For anyone with little or no savings, Knab is an expensive alternative with limited options and I do not recommend a switch.

Everything you can expect from a bank and more ... at lower costs! Knab is faster, more flexible, more accessible, more user-friendly, etc. 100% recommended!

easy bank to work with, quick process to open account.

Yes, I am a happy knab customer. I have a private and a business account and use the app daily.

No words for ... KNAB is even worse than the other banks.

Knab tries to look very up-to-date. Modern, hip. Meanwhile, the basis is still an old-fashioned bank that thinks it knows better how to handle your money than anyone else. You sometimes have to make a ridiculous effort to be able to withdraw your own money when this exceeds Knab's 'safe' limit. This bank determines what is safe for you and whether you can withdraw your money or not. NOT OK!

Great, but a wallet for your mobile would also be desirable

A very nice bank but very unfortunate that if you have 3 accounts, just pay 5 euros per account per month. Then the annual costs are very high

The KNAB is a great bank! The customer service is phenomenal! Anytime I used this service, via the chat in the app, I got a quick response from one person!

The app works fine too! And as a real online bank, you can easily and quickly arrange everything online. Not like 1980 to an office to get a code or pass or password, but nice online.

Then Apple pay .. I've been waiting for it for about 1.5-2 years. Where I expected the young / innovative / online bank to be the first in the Netherlands. Was that title already conquered by another bank in 2019. But now we are at the end of 2020 and KNAB is pretty much the last bank that does not yet offer this .. I think that is a huge blunder and the cause of only 4 stars .. I am not bothered enough by only 3 stars to give, but the doubts were great and the other services in combination the price too good ..

Excellent communication from the bank organization regarding requested notifications. Still a number of small problems to solve, such as depositing cash into the account

Bismillahirrahmanirrahim,
5 uit 5 sterren, Product: Zakelijke rekening 3 per maand eerste jaar, daarna 6 per maand.

Reden:
Alles werkt naar toebehoren, geen valstrik, 5 betaalrekening in totaal gratis in de pakket. Onbeperkt spaarrekeningen, letop: de medewerkers moeten handmatig (positieve) rente uit zetten. Want standaard staat dat aan op spaarrekeningen, stuur een chat bericht via KNAB app dat je rente uit wilt voor alle spaarrekeningen voordat je er geld op zet. In shaa Allah.



Elhamdulillah ben te vreden, moge Allah hun op de juiste pad (Islaam) zonder rente etc zetten, Ameen.
Ik adviseer je sterk, tenzij je een Islamitische bank kent ookal is die wat duurder neem die (maar op dit moment is dit uit de keuze die er bestaat beste!)

Esselamu aleykum we rahmetullahi we berekatuh.

Great bank, easy everything on your mobile
No expensive buildings that the customer pays for
I have been behind my choice for quite some time

If you have any questions, chat with the service desk and you will be served. Skilled staff and very friendly. Great, as you would expect from a good bank!

So G after reading so many negative comments decided to pass this door!

Positive
Low costs
Link accounting package

Negative
No support for batch payments.
Long loading times.
Unlimited payment accounts is apparently still limited to 5.
Support does not think along.

What should I say? No more interest above + is not worth a review.

Six months ago, KNAB came up with the idea that I had to identify myself again and had a kindergarten class build an app for this. Strangely enough, that app turns out not to work on my Samsung Galaxy S20 and because of that my account has been blocked for six months now.
I have been a KNAB customer for 7 years now, I was really satisfied at the beginning, but I am taking great steps back. An app that doesn't work properly, poorly accessible customer service, and a lot of frustration about recurring problems.

Help desk was very good. Thought along, patient and gave a safe feeling. Patient. Top service from Farah.

Good experiences with this bank. Just a pity that you cannot withdraw money with some cash machines (from other banks).

This bank has been freaking right from the start!

They write positive reviews about themselves how sad !!!!

People stay away from these stumpers

Pretends to be modern and innovative but it is old school bureaucratic banking. There are so many good online banks available these days, in Holland and elsewhere. This is one to stay away from. Horrid customer service.

Bad in terms of service. I had to make a payment to England in British Pounds. Was first sent via a vias account to a KNAB Plus website, which I restarted three times and each time it also does I have never been there. For Euro 2.50 extra per month. And still couldn't pay with something as simple as British pounds. Called customer service, who told me, after having to look it up myself, that I could download a APART form where I could fill in everything and then send it to KNAB. And that it cost 15 euros, (and we don't make a profit on this, the service desk said). In the end I took another account because I walked from cupboard to the wall with KNAB. So via ABN Amro. I could do it online and only cost me 9 euros .....

ID scan British passport STILL NOT works with the KNAB app. Constantly receive an error message. Worthless again.

Every few months I can no longer log in to the mobile app. It is also not possible to re-register the app. This can only be solved by completely uninstalling the app, restarting the phone, reinstalling it, the entire login process (scanning passport, taking selfie, etc.) and then it does it again for a while. I have already called the service desk about this several times, but the problem still exists. Really bad that this app is not working properly and it is not fixed either.

A good customer-friendly bank with tailor-made solutions ...

Great couch. good service. Alert for changes and developments. Good value for money

Banking matters are well organized. Only the bank app is annoying. When you transfer money, you are always struggling with codes in keys if the amount is too large. First the pin, then a code, then the account, then the amount and the result must be re-typed. Furthermore, it is easy to arrange online via chat.

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.

Great bank, good service and very friendly and helpful employees. I'm very content.

Super easy to use. Very advantageous, not unimportant for a self-employed person. The few times that I needed the help desk, I spoke very efficiently and neatly.

To date, few to no complaints, good service for the business service provider.

Number of years of customer, both business and private. Works fine, only the personal banking environment on the website could be a lot faster, 3 seconds to load a page is really too long in 2020.

They promise that the K is central to the Customer. And really, this sofa is there for me. That's how it feels. Much more than I am used to with previous banks. Also useful for me as an entrepreneur to open additional accounts for free, for example to reserve reservations, VAT payments, etc. I am really happy with KNAB, my bank

My experience after more than 5 years as a KNAB customer:
I have a company doing import & trade of goods (B2B). KNAB seemed a good and inexpensive banking option at the time I started my company. Over the years I ran into some business obstructing limitations like their inability to process a Letter of Credit and work with online payments (modern form of the previous "wired money transfer") of non-Euro currencies.
Lately their KNAB app stopped working correctly on my Huawei Android phone after an update through Google Play store. I couldn't log on and approve payments without using the reader device, which worked fine before using the KNAB app. I reinstalled the app but it still crashed right after logging onto it with my app-PIN. I reported the problem through their online chat on my laptop. They registered the problem and hoped it would be fixed with a new release of the app. So did I and I waited for more than one month for this new version of their app and this morning it was finally available in the Google Play store. I installed it but unfortunately the problem was not resolved. I deleted the app (again!!) and reinstalled it. Couldn't get it to work because the option to register the newly installed app with my ID-card/passport didn't work. Got a link from their online chat that allowed me to make the link between the app on my phone and my account. That link was not shown in the app! Luckily that seemed to work but now the option to log on to my account on my laptop using the KNAP app instead of the reader still doesn't work, letting the app crash again at this point. I tried several times but each time the app crashes at the same point after I typed my app-PIN.
Their customer service again and again suggested that I should reinstall the app and re-establish the link between my device and my account even if it made no sense to try the same thing again and again. They seem to forget that it is not my job to professionally test their software/app and constantly gave me the impression that I am the one who does something wrong....having an IT background so I understand how the mechanism should work!
They even suggested that I should get a Samsung Android phone instead of my Huawei Android phone because they claim that their app works well on Samsung Android!! I wondered whether they had lost their mind!
I feel stuck now at this bank having made company paper with this banking information on it and having this account number communicated to all my customers.

25-8-'20:
KNAB has now put me with my back against the wall! I have a Huawei smartphone on which all apps still work fine accept for the KNAB-app. KNAB now requires me to re-identify (with NFC chip in my passport) through their KNAB-app which I cannot do because they have still not provided me again with a working version of their app. I cannot re-identify myself through their browser-based environment and they announced to stop supporting this browser-based environment as well. This means that I will not have access to my own business account within 2 weeks (remaining to re-identify) and they thereby endanger my business, because I cannot pay my bills anymore after these 2 weeks. My only option to stay with KNAB is to buy a new phone (!!) and re-identify through the only way they provide i.e. through their KNAB-app. No other alternative provided by KNAB!

Because KNAB puts my business at risk through this action I have decided to open an account with another bank and move away from a bank that offers no other alternative than their app to access my account. Even if I would buy another smartphone, I would still move away from this bank because having just one way of access to my account is too risky from a business perspective. What if my phone crashes in the future of gets stolen? I would still not be able to access my account and fulfill my payment obligations. NOT ACCEPTABLE!!
If I would have known this, I would have never joint this bank!!

Echt 2019 / 20bank invites other banks and challenges them to take a different course

Customer at Knab for 6 years, both private and business. At the time an innovative bank with smart services that really made a difference. Today a standard bank with services that you expect from a bank. Because they still do not offer Apple Pay, I am forced to switch to an account at another bank that does support this. Also iDIN is not supported which has already put me in difficult situations a few times. International transfers are always inconvenient. That is why I am increasingly using my other account. If Knab continues like this, they will lose a loyal customer.

Great price, lightning-fast customer service, and switching was very easy. A 'no fuss bank' that you can rely on. About 8 years ago I switched from ING because of their high costs and the 30,000th failure in their Internet banking that year, and I honestly did not miss a minute. I do hope that Knab will invest more in (digital) development in the near future; they are still lagging behind in Apple Pay / Google Pay.

Fast and online banking, customer service helps you quickly and effectively. Very satisfied!

Fine online environment with setting options. Knab handles both corporate and private accounts well. The bank knows where it puts priorities. The low cost was the main reason for switching, while the finer experience in itself is enough reason to switch.

I need Apple Pay
I need SEPA

Don't get started. I thought, sounds good, let's give that a try. The registration process is already a huge nightmare. Backward rules drawn up by the company poodle that prevent you from even registering. must not / cannot / cannot. Knab, we cannot make it any more difficult for you, but more difficult.

ADDITION: it has nothing to do with the legal form or business activities Wouter. The most common things such as a holding structure, multiple directors or a director who is not a 100% shareholder does not work with you.

So why not put your hand into your own bosom instead of suggesting that it is due to strange legal forms or business activities.

So if I understand correctly, I should now be happy that I immediately know that it is not possible with you? Top man. Although it remains to guess why not, because it is not substantiated.

That's the way it is, no different. Instead of damage control and sending me the terms of acceptance as if it were up to the customer, you'd better think about a good solution.

Knab bank is pretty annoying for a business account. * For international transfers outside the EU you have to fill in a form and therefore cannot automatically go through the banking environment. * International transactions are only possible with a limited number of foreign currencies. * Notification by SMS with transaction is not possible. If you contact the bank they say KNAB (up to 2 x) First, it is possible, but ultimately it just does not seem to be. * You must also use your random reader or telephone when logging in to the computer. That is a lot of hassle if you have to be able to monitor your transaction traffic all day long. It is actually incredible that a progressive bank Knab (as they present themselves) as lagging behind these points.

I hereby respond to the message below from Knab: no, the story is again incorrect. It is not possible at the Knab bank to receive a message of a transaction unless you specifically enter the person / company that is transferring the money to you. However, you can receive an email with all transaction traffic is listed at the end of the day, but this is something else.

It is a pity that only private and small business banking with this bank.
Associations and foundations are not welcome. That is really not possible in 2018.

I am testified in it! I communicated this via chat, I did not get any further. I was completely upset. Almost immediately after that, I received a call from Knab. Because the chat was not running, but because they saw that there was something serious, they took the initiative. Nice. Unfortunately we were too late to prevent the write-offs (this was to the rabobank) and withdrawals, but everything has been done.

I have my business account here. Clear agreements, well-arranged site, excellent app., Excellent bank link with my administration package. And affordable pricing.

Accessible internet bank, excellent chat function. Very satisfied with the switch from the stiff Rabobank to this bank.

I have housed both my business and private accounts here. The interface is nice, the link with my accounting program is nice and the chat is just with real people. I receive perfect assistance, even on weekends when necessary. I am very satisfied with Knab.

In the early days of KNAB we opened an account and enjoyed banking for a number of years. The interest payment was better than at the other banks. The IT environment was cleverly set up (they were not bothered by old systems) and much more user-friendly than the other banks.
For a year now it has been going downhill. (1) The interest payment is no longer a plus. (2) The contract with the credit card provider was terminated and the new one (ICS), despite years of trouble-free payment behavior and no BKR registrations, had much stricter acceptance standards and significantly reduced our spending limits. KNAB did not want to get involved, while it was not our choice to change credit card companies. (3) In the past year we were forced to start banking with an app on a recent smartphone. In addition, the chip of your passport had to be read for identification, without it being clear how those data were handled. The entire security of the app is completely opaque, so you have no idea what risks you run if you lose your phone or if it gets hacked. (4) IT problems are increasingly common. Settings such as "top up overdraft" and "automatic saving" were suddenly turned off and could not be turned on. I've been working on getting this fixed since October 8th. I kept getting the message "we will work on it and you will hear from us". Not so, explain over and over again. After 4 weeks I got the message that there is a bug in the system. I knew that right away. Also on the website you regularly get the message "something went wrong" in all kinds of situations. Some links on the website are not working, probably because the linked page has since changed, but the link has been overlooked. The cooperation between the website and the app is also not always flawless. Set alerts (eg for balance) that used to be a la minute now sometimes come hours later.
(5) The accessibility and quality of the service desk is a disaster. It can take hours before you receive a response via chat. These days you are usually disconnected by telephone with the message that it is too busy to answer you. The quality of the employees, which used to be excellent, now varies greatly - you may be lucky, but sometimes they hardly know their systems.

All in all, it gives the impression that both the organization and the IT systems are on the verge of collapse. I have canceled my package because it is no longer a reliable bank to which you can entrust your money (business). Too bad, it started promising a few years ago, but now they have lost control.

DRUG AND LIGHT UP !!

Called customer service at least 20 times but I only get to hear "we cannot help you with this. Now I have not been able to pay my bills for 2 months and I can no longer see my account because I lost my phone.

After several times in consultation with a colleague or similar I am only told that I have to deposit money along with my new personal details. (chosen for the transfer service)

What appears now; before I can enter my details at my other bank, the money has already been transferred. So I have no option to pass on or change personal data.

Now the joke is that all my deposited money ends up at Knab and I cannot reach it. Furthermore, they are not willing to help you. (they only indicate that I can close my account and that they will refund the money to my other bank)

Today it has been 2 to 3 weeks since I closed my Knab account, I have not received anything and have not received a single message.

I am very curious how much money you have conned people for in the meantime.

At first I was a bit reluctant to work with Knap.
Unknown makes unloved.
Opening the 1st account went smoothly.
Also open the 2nd account i.v.m. the start of a webshop went smoothly.
In practice it is quite nice to arrange everything yourself.
The helpdesk will of course always be in mind.
To date I am more than satisfied.

A very nice sofa!
I have had an account from Knab for 3 months now and I can recommend it to everyone!
They are very personal and nothing is too crazy! Everything can be edited according to your own wishes.
Everything is very clear and everything is arranged very quickly!

Knab prefers to lose its customers rather than rich, because Knab does not do customer service. Knab forces its customers to switch to another credit card company without any consultation. This ICS then has an extremely unfathomable, complicated and non-working way of registering customers. You are forced to have a very recent smartphone model for their clumsy application. It is advised to borrow it, with a view to safety, yes! And then it still doesn't work, and ICS is a company that communicates so poorly that it is still not clear what is going on. A very time-consuming and annoying way of doing things, which means that Knab saddles its customers, without any uncle but any kind of mediation. Worthless.

Excellent, personal service. Short waiting times. Interest on the savings account. Good service for freelancers. I am very satisfied with Knab!

Great couch. Clear site, good mobile app. Attractive price for business account.

Gone very downhill in recent years. I would open new accounts elsewhere.

The duty of identification is really a farce, where knab tries to be more Roman than the Pope. Knab also does not care about privacy and security with regard to your personal data.

excellent internet bank, less hassle and more effective than a normal bank; some things, such as
- it is not possible to remove a savings account yourself
- mobile payment with smartphone not possible
Furthermore satisfied

Voor de ondernemers: het eerste jaar een prima bank maar daarna zou ik overstappen. Je kunt geen salarisgegevens importeren vanuit boekhoudprogramma's en er geldt een daglimiet van 50k, niet ideaal om altijd belasting in 2 of 3 keer te moeten betalen. Ook hapert de website nog wel eens.

The bank works well, it is a pity that in cases of emergency no money can be transferred by the bank employees.
That's why I think about it privately before I switch.

Knab is nice because it does what it is supposed to do without fuss and complicated hassle. Not 5 stars because I have to keep an account with an old-school bank to pay with my phone.

Very happy with KNAB, never hassle and very helpful! Congratulations on your 5th anniversary

Absurdly bad. Apps that crash all the time. Continuously re-register on all devices. Everything is continuously blocked. Bizarrely bad.

1) If you don't scan your ID, you don't have access to your own money. 2) When you log in to the website, they demand that you download the app. 3) After downloading the app, they demand another photo of your passport, scanning the chip in your passport and a selfie. 4) Chat redirects me to call. On hold on the phone for 20 minutes and they can't help me, only on Monday.

After cancellation, Knab did not refund my money on time. I still haven't received it. You are a bank, after all.

The employees in the chat close the conversation every time I ask when I can receive my money.

Update: My money has still not been refunded.

In the chat they tell you to call. I already called on Sunday and Knab had to call me back on Monday, because apparently it was not possible during the weekend. In the chat they said "just call" they also help you on weekends. I say and also to change a phone number? They say yes. But this is not true, because I already had this problem last week. They say you should have pressed number 1 during the call. If this is true then why do they say "call back on Monday?" Or why don't I just get connected? Why don't they say call again and then number 1?

There is really a lot going wrong in the chat and they refuse to have the decency to honestly say "my colleague made a mistake" or "I helped you wrong". People just make mistakes and admitting a mistake is more humane than ignoring it.
I have explained the situation 10 times and the answer remains
, "I don't know your situation, so I can't say anything" and therefore the problem that I received incorrect information from Knab is ignored. This is really extremely unprofessional.

Worst customer service ever. Bunch of unauthorized and incompetent idiots. Be sent from the cupboard to the wall and then become none the wiser. unbelievably bad and a trick!

More than a year as a business customer at KNAB. The positive thing is that you have opened an account quickly, that they have low monthly costs, and that you can choose your own pin code for the bank card. It is a pity that I had to wait for more than a week and a half. The card reader is k * t, but I almost never use it. Oh yes, I think that tutoring is also very cheeky, "you" and "you" ..., I am not friends with a blob? And lastly, why do business customers only offer an AMEX credit card? That card is far too little accepted ... Do love it and come with Visa or Mastercard.

The most unreliable bank I have ever seen. They certainly don't have their affairs in order. That these people manage the money of many hardworking people is a scoop too much responsibility for them. I am glad that I am not a customer of them myself. But partly because of this fantastic bank, surrounding people were unable to access their money for six weeks, with all the consequences that entails.

Drama, all kinds of errors when registering an app. very difficult to reach by phone. Chat function in app. will be quite easy, however you should be able to access this app.

Knab is a fast online bank where you can arrange everything yourself in no time. No long waiting times because "someone has to arrange this for you" Do it yourself and have arranged it immediately. Switched to about a year ago and only happy about it.

Albert Heijn is at the door, the card suddenly no longer works! Called Knab, there appears to be a malfunction.
How strange is this?