While a great opportunity to invest, but the platform is a mediocre of today's standard. This app doesn't have an auto logout/log off/lock when you close the app, including running app in the background. This should be number standard security protection to protect yourself from prying eyes that anyone can open the app and have access to all of personally invested funds. Please add the ability to turn on PIN and request to enter the PIN when accessing the platform. Also, why is the main page dark mode and when i go to my choice of investment page goes to bright white?
The app is so basic and simple it almost seems like a scam. But it does what is intended of it. Keep in mind. Hysa accounts will look very good at first! It was 5.16% when I started. In just 6 weeks it’s had 2 adjustments. Once to 5.01 and now 4.75. If you don’t need quick access to your money I suggest doing a 9-12 month locked interest cd. Remember, this is not just America, it’s the world.. we’re not allowed to make any real money without slaving away for it. Unless you’re in government, big business’s or born into money ( or became a successful entrepreneur) then your subjected to these garbage interest rates. In case your curious, I have 48k in a hysa via raisin.
I don’t know how those people have had so much trouble. We (hubby & I) have had money invested through them with no issues whatsoever. We have CDs and high interest savings and moved money based on the interest rates. I love making the decisions rather than paying someone to do it. The only thing that I would like is if they transferred without sending the money here first. It’s a waste of time and money. I love them.
The app design looks good and transfers work pretty fast and reflect in the account within 24 hours.
BUT
All I’m able to do it view the balance of the account from the dashboard. I can’t look at account details. If I click the ‘Savings’ tab under ‘Your deposits’ I’m redirected back to the dashboard page. I’m not able to view my own profile, see details for bonus offers, view documents, or make transactions. I have to log in to the web version to see and do everything.
I’m really glad the previous poster reviewed how they did, I cannot imagine how the app looked before. There does not appear to be any spelling errors and the app is fairly cut and dried from a usability standpoint.
I wish the dashboard had everything on the first page when you log in. You have to click and dig a bit to find stuff. The icons could be better labeled. I clicked kind of blindly hoping I got where I needed on the app. Overall a functional application. It could be cleaned up and streamlined more to provide a better UX.
I’ve been using this about 2 months now. The app is very simple, but gets the job done. My device starts the app quickly with fingerprint ID. Opening an account is quick. Withdrawing is easy, and the funds are available in 3 business days as described. If you’re willing for your cash to be out of your control 3 days, you can easily use this app to rack up 5+% interest on it. It’s a no brainer for me, and I’m recommending it to my kids. I would like them to add a nickname option for each account. What do you say Raisin?
The company is great, customer service is great, the savings accounts are great, even the app is great once you login! But you will be signed out over time despite checking off the “Remember Me” box and it is quite frustrating. If they would add Face ID or at least update the login experience so you will be remembered on the device, it would make the app MUCH BETTER. I’d be totally fine with 2FA every single time, as long as I don’t have to type my email and password every single time. PLEASE🙏
As many others have mentioned, this app is "lacking". It's very basic. But that's ok for me. It gets the job done.
Another small "con" is that they don't offer any kind of automatic weekly investment options. But since the apy of the accounts fluctuate I personally would rather manually invest weekly in my deposit accounts that currently offer the highest apy.
CD's are where this app really flourishes. If you're looking to put your money in a cd then Raisin is exactly what you want.
I'm extremely satisfied with the savings account and interest rate that I have received, but the app and it's lack of user-friendly is frustrating. Please improve your customer service and the functionality of this app. You're certainly getting enough money from me to do so
The app works great allowing you to check all your accounts, deposite & withdraw money, check your monthly statements, etc. I believe it’s easy to maneuver and is user-friendly.
Though I would like to state that with how much revenue they make, all the issues and bug they had prior to this update should not have been happening for this long. Glad they fixed their app.
Cybergeek1
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ArkSaver
Letian101
WTF420
I'm using it now.
jae.ct
Butch2_0
RadicalDelusion
Illusivity