Hanseatic Bank Reviews 

All smooth till your card is compromised and try to get a replacement through contact form or customer service. Cancelling your account is also a nightmare. No online cancellation, emails ignored, and phone support that sends you straight back to the useless FAQ section.

If you don’t speak German, expect rude and unhelpful treatment.

It’s a vicious circle: every attempt to get help leads nowhere, and nobody takes responsibility for solving your problem. Absolutely unacceptable customer service. Avoid this bank at any cost!

I took Private loan 5 years back and now they have changed interest rate after 5 years which is more than before and i am paying more interest than before.
Those who are taking private loan please read terms and conditions of the contract before you sign the contract.

No contact via email or phone even possible. No reply on contact form except "We are too busy to answer now".
GoldCard should come without fee but they apply transaction fee for non EURO currency . No support at all.

All good as long as everything is ok. Once there is a problem customer service is either not available or whoever you talk to can't help you. Online contact, no reply, happened twice to me. Once talked to an agent but he never forwarded my request. No note in their CRM system that i called.

For the worst bank experience I had. No support service and every month I have to pay for something, but I can't see for what. Not really nice

This bank is one of the poorest choices.

The customer service is discourteous and has little interest in assisting clients. The hours during which you can reach them by phone are extremely limited, and more often than not, no one answers. As a result, you are forced to handle everything online, yet the information provided there rarely addresses your concerns—leaving you to contact them again.

Overall, the entire process is unnecessarily convoluted. I would strongly advise staying away from this bank, regardless of your needs.

To cancel the account is mission impossible. No online possibilities. Old fashioned letter must be sent. But guess what, even if you send a letter with request for signed confirmation it is returned as at the address there is no one to actually accept it.
No proper customer service, only via online requests, which are not connected to you account so you always have to fill in your details. Do not even try calling, you will be still redirected to go via Q&A, which might nor even cover your topic.

I am extremely frustrated with my experience with Hanseatic Bank.

I requested a new credit card in January, and despite several follow-ups, I still have not received it. This is already my fourth time contacting customer service about the same issue. On February 2, I was told that the card would arrive within 10 days, but that promise was not kept.

What makes this even worse is that the €9 fee for issuing the card was already charged, even though I still have no card in hand. Charging a customer before actually delivering the service is simply unacceptable.

At this point, the handling of this issue feels highly unprofessional, unreliable, and disrespectful of the customer’s time. A bank should be able to manage something as basic as sending a replacement or new credit card within a reasonable timeframe.

After waiting since January, receiving empty promises, and having to chase customer service repeatedly, I can only say that this has been a very poor experience.

I would not recommend this service based on my experience.

zero customer support

I have used their credit card offer. Closing of the contract was done online, that worked as expected. after gaining details for online banking, I check my personal data and they used incorrect reference bank account. It is not possible to change it online, even though they claim it is possible. When trying to reach customer service, you end up in clicking endless loop of links that have in the end circular reference to itself - meaning you solve nothing. There is no telephone support, there are no replies to messages sent via their customer service portal.

Kundenservice nie zu erreichen, Kreditkartennotfallsperre nicht existent und wenn der Kundenservice sogar mal erreichbar ist, sind die Auskünfte schlichtweg falsch oder irre führend. Des Weiteren ist die Kreditkarte nicht wie sonst beworben weltweit einsetzbar, da sie sich ständig sperrt und man für viel Geld aus dem Ausland (Mo-Fr) den Kundenservice telefonisch kontaktieren muss.
Via Formular reagiert keiner, meine Formulare von vor 2 Jahren sind immer noch unbeantwortet.
Finger weg von dieser Karte! Sie macht nur Probleme und ist im Ausland nicht zuverlässig!

Customer service has been effectively walled off and is no longer reachable by phone. Inquiries submitted via the contact form are dismissed with generic standard replies that fail to answer the actual questions asked.
Reference: #1011068190
I wonder how a bank can sustain itself while placing no value on customer contact. What is particularly baffling is that the response comes from a "noreply" address. It is impossible to reply to the bank's answer; instead, one is forced to submit the inquiry all over again. I sincerely hope that BaFin (Federal Financial Supervisory Authority) intervenes to investigate this general level of service quality.

In the auto-ident if you don't speak fluent german they will not help you.

Hanseatic does not set the basic setting to 100% repayment after getting the credit card.
This is just dirty play for new customers - immediately got interest rates in the first month...

Hanseatic Bank is the worst financial institution I have ever experienced. They should have -5 stars. A relative died almost two years ago. You might get an answer after months, if at all. I haven't received a reply to my last emails for 11 months. Only the direct receipt message with the note that my request was important to them. Outright lies. This organisation should be shut down immediately for incompetence. I can only advise everyone to give this ‘bank’ a wide berth.

Danke für die Reaktion. Ich habe aber mehrfach versucht Kontakt aufzunehmen. Am Telefon hieß es, ich solle eine eMail mit dem Anliegen schicken. Nur auf alle meine eMails habe ich gar keine Antwort oder in einem Fall erst nach 9 Monaten erhalten.

Until now the process to get credit card was good.

The sign up process was super easy. But the only change I would make is that like me for example I have my Google play store set for the US because that's where all my things are connected to and cannot change that. So making the app accessable to everyone and not country specific would be great.

Recommended - easy application, quick response, easy handling, fair conditions.

Was forced to get new credit card as Amazon cancelled its banking relationship. Hanseatic had good ratings, I do not know why. 1. I can´t download the app because my phone is registered abroad, 2. my first rental car purchase was rejected, card blocked. When I called the service, they said I should go to an ATM and put my pin in - the rental car lot was in the outskirts of a city without ATMs, 3. my Web online access got blocked without any changes triggering it, phone service was not reachable, always busy, not even a waiting loop. 4. I wanted to increase the limit as I regularly have to pay for travel which is above the limit. Response: wait half a year, then we might increase. This card might work perfectly for people who shop at the grocery around the corner, and that´s it. But beyond that, forget it.

Credit card registration was easy, personal identification per video (3rd party) available instantly, card received roundabout one week later (which took a bit long for my taste). Credit card works fine, no fees for cash withdrawals as advertised, app looks good. Everything to my liking - no hiccups of any sort.