# Grey: Inclusive Global Banking — user reviews > 375 indexed App Store user reviews of Grey by Grey Incorporated, rated 4.60/5 from 5,764 ratings. - Source: https://appshunter.io/ios/app/grey-inclusive-global-banking/id1611983085/reviews - App overview in markdown: https://appshunter.io/ios/app/grey-inclusive-global-banking/id1611983085.md - Rating breakdown: 5★ 4,806 · 4★ 331 · 3★ 181 · 2★ 105 · 1★ 341 ## What do users think of Grey? Overall sentiment: negative **Pros** - 🚀 Fast and seamless transactions - 👍 User-friendly interface - 💡 Innovative features like virtual cards - 🚀 Reliable and efficient service **Cons** - 🐛 Frequent app updates - 🤔 Unclear verification process - 💰 High fees and exchange rate issues - 🕰️ Slow response from customer support - 🔒 Privacy concerns with personal information requests **Commonly reported bugs** - Transactions not showing up - Inability to access account or make transfers - Recurring app crashes and bugs **Most requested features** - Increase monthly withdrawal limit - Add dark mode option - Improve virtual card functionality - Streamline verification process ## Newest reviews (10 of 375) ### 2/5 — Mr *2026-08-14, version 3.8.5* I can’t seem to open a Naira account ### 5/5 — O U Mackson *2026-07-03, version 3.3.6* Grey works well .. they got my respect ### 1/5 — Pending transaction verification problem *2026-07-01, version 3.3.6* I received a transaction verification I send all necessary document on gmail since yesterday morning no reply at least let me know maybe you received what sent and I can’t verify on the app because the transaction is personal transaction and the verification on the app is business transaction please someone should attend to this is really frustrating ### 1/5 — Give my money back to me *2026-06-28* You people should refund my money o I just started using grey just a few days ago on the 26th and everything was going fine, today is 28th I made a transfer to my grey account still hasn’t reflected for hours while it has been instant since downloading it just because I transferred a large amount or money this time around right? Is that what you were waiting for? Made me trust you with small amounts so I’ll be comfortable transferring larger amounts? Even if you’re not withholding my funds and that’s a big “if” this shows you lack consistency why were transfers always instant then all of a sudden no reflection? I made small transfers after to see it it would at least jumpstart but no the others did not reflect, either fix this or refund my money immediately, I just started using this app for Christ sake, why should I be facing this soo early?!? **Developer response:** Hi, we're sorry to hear about your experience, and we completely understand how frustrating this must be. Please be assured that we do not withhold users' funds. In some cases, deposits may be delayed due to additional verification before they can be completed. Kindly email us at support@grey.co with your transaction details so we can look into this for you. ### 1/5 — DO NOT OPEN AN ACCOUNT WITH GREY...YOU HAVE BEEN WARNED *2026-06-26, version 3.3.4* I have been with Grey since 2024 and, despite their excessive fees, I continued using their services. In May 2025, I decided to have my salary paid directly into my Grey account. Initially, they requested proof of funds, which was completely understandable, so I provided a payslip from my employer. However, from December 2025 onwards, every single month without fail, whenever my salary arrived, Grey demanded proof of funds again. It didn't matter that it was the exact same employer, the exact same payment, and virtually the same amount every month. It became an exhausting and unnecessary routine. Today, 26th June 2026, my salary arrived as usual. Once again, Grey requested proof of funds. As always, I immediately uploaded my June payslip. Instead of processing the payment, they blocked my account and reversed my salary back to my employer. This is the very same employer that has been paying me into this account for months without issue. To make matters even worse, after I emailed them to complain about the appalling way they had treated me and explained the financial hardship this had caused, they simply responded by saying they had closed my account due to an alleged "violation." They have never explained what this supposed violation was because there wasn't one. I have never abused the account, never breached their terms, and every single transaction on my account has been genuine, legitimate, and fully supported by documentation whenever they asked. It is incredibly suspicious that, instead of admitting they had made a mistake and resolving the issue, they chose to shut my account entirely. It feels like they would rather get rid of a customer than accept responsibility for their own incompetence. Looking back, perhaps they have done me a favour. Their fees are nothing short of outrageous. They charged me around £15 every month just to receive my salary. Every outgoing transfer cost another £2. Friends and family sending me money also resulted in fees. Even paying with their card attracted charges, followed by additional cross-border fees. Over the course of nearly two years, I estimate I have paid well over £600 in fees alone. I have never experienced customer service this poor from any financial institution. Grey constantly treated me like I was doing something wrong despite repeatedly proving the legitimacy of my income. Then, after months of accepting the exact same salary from the exact same employer, they suddenly blocked my account, returned my wages, and closed my account without any meaningful explanation. I cannot recommend Grey to anyone. My experience has been nothing short of frustrating, stressful, and financially damaging. If you're considering using Grey, be prepared for excessive fees, endless requests for the same documents over and over again, and the possibility of having your account closed without any proper justification. I'm genuinely relieved to be done with them. peace out grey you pathetic so called ' bank' ### 4/5 — Best among all🥰 *2026-06-25, version 3.3.4* Love it, very easy and smooth. ### 1/5 — Run leave grey *2026-06-25, version 3.3.4* Bad app do not download . I wish I can rate u 0 rippers ### 1/5 — Money delay *2026-06-20, version 3.3.4* I sent money over 6 hrs not received yes the app is very bad ### 1/5 — Regret *2026-06-18, version 3.3.1* It totally bad for receiving money…don’t even try to sign up for it.it doesn’t deserve a single star ### 1/5 — Can’t deposit to dollar card *2026-06-16, version 3.3.0* Y’all cancelled my dollar master card for reasons best known to you and gave me a new card that’s Apple Pay enabled and now I’ve deposited to my grey app and I’m not seeing any option or button to add money to the new dollar Visa card. what’s the problem ?? I’m sincerely disappointed ## Most critical reviews (10 lowest-rated) ### 1/5 — disappointed *2026-08-12, version 3.8.5* i had high expectations, disappointed i don't recommend ### 1/5 — IN APP SERVICE IS BAD *2026-08-03, version 3.8.2* I’ve tried to verify my KYC 5 times now and they keep telling me my selfie video has not been found and I also emailed them but no response ### 1/5 — Keep off scam scam scam *2026-08-03, version 3.8.2* Bad website don’t lose your money ### 1/5 — ID verification *2026-07-31, version 3.8.1* It’s so difficult to sign up with your ID . I sent it off for the first time and it says my drivers license didn’t depict my face , no problem, I try again and it tells me duplicate account . I try again with my national identity card and the email for verification never comes like the one before and the app refreshes like I never did the verification. I wait for 30 minutes for a confirmation email and it never arrives so I try again with my nation al ID then I get the email instantly that says duplicate account . Is there a real person confirming the ID’s or is it some bot that can’t look at the same ID more than once when it sends an email declining the ID?? It’s extremely infuriating!! I even tried it with my passport and it gave me the same results as before . Unsatisfied with this app and its email responses. ### 1/5 — Don’t use it guys, you will lost your time and money to *2026-07-31, version 3.8.1* Just got two payments refund from pending to my client account , i provided all documents what they asked for, I will delete my account forever, you guys scam, you did not back your fee, they just take it from you! ### 1/5 — Fake app *2026-07-30, version 3.8.1* I started using this earlier this month and now I can’t withdraw money from my account it’s saying something went wrong please contact support I can’t use any option on this app ### 1/5 — Stay away from this app *2026-07-25* This is one of the worst financial apps I’ve ever used. Their deposit verification process is slow, frustrating, and completely unreliable. I submitted everything they requested, waited for updates, and after all that, my deposit was simply reversed. Customer support is extremely poor. Most replies feel automated, repetitive, and don’t address the actual problem. The compliance process seems disorganized and leaves customers waiting with no meaningful explanation. Looking through recent reviews, I found many people reporting experiences similar to mine, which made me lose confidence in the platform. A financial service should make receiving payments simple and dependable, not stressful and unpredictable. Defrauding people out of their hard earned money **Developer response:** Hi, we're sorry to hear about your experience and understand how frustrating this must have been. We understand your concerns regarding our deposit verification process. At Grey, the security of our users is a top priority, and this verification process is an important part of keeping the platform safe. Please note that reversals may occur if the required information is incomplete or if a transaction does not meet our verification requirements. We're continuously working to make our processes smoother and less stressful for our users. Please send us an email at support@grey.co so we can help with any issues you're experiencing. ### 1/5 — Grey is useless don’t waste your time !!! *2026-07-19, version 3.7.2* Don’t waste your time using this useless app they won’t deposit your funds my school upkeep and school fee was return despite me providing every details they ask for … what really annoys me is they keep asking me to prove how my aunt is a relative , a dumb stupid question 😡😖 how am I supposed to prove my aunt is related to me like how ? Just $1025 deposits you dumb fuvk reject my deposit I’m closing the app for good I just pray my school doesn’t close portal before the payment goes back ### 1/5 — High charges *2026-07-18, version 3.7.2* Imagine send $5 to my fgrey account and ends up receiving 2$ ### 1/5 — Holding My Money Hostage – Support Is Ghosting Me *2026-07-06, version 2.9.7* They changed my virtual account number, and my successful deposit to the old account is trapped. Bank dispute proves they have the money, but support ticket #[Your Ticket Number] is being ignored. Do not download this app until they release my funds!" ## Most praised reviews (10 highest-rated) ### 5/5 — Very useful *2026-08-19, version 3.8.7* I will 100% refers my friend to this Gray app ### 5/5 — Difficult to change the country of my residence *2026-08-14, version 3.8.5* Hello I have been trying to change the country of residence from Uk to Nigeria but it’s been difficult What do I do? ### 5/5 — Review *2026-08-13, version 3.8.5* Easy to use also fast and reliable ### 5/5 — It just works *2026-08-02, version 3.8.2* Neat and clean UIUX ### 5/5 — Mazi *2026-07-29, version 3.8.0* Good App ### 5/5 — Everything is perfect *2026-07-28, version 3.8.0* It works 💯💯💯 ### 5/5 — Grey *2026-07-28, version 3.8.0* Grey is wonderful genuinely! I am using it for everything these days! Keep up guys! ### 5/5 — The best *2026-07-28, version 3.8.0* Simply the best ### 5/5 — Good *2026-07-22, version 3.7.4* I love the idea ### 5/5 — Good *2026-07-05, version 3.3.6* I enjoyed using this app I have no issues. The visa/m master card is working perfectly. They have a good customer service. Very friendly ❤️❤️❤️ --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*