# Pibank USA — user reviews

> 155 indexed App Store user reviews of Pibank USA by Intercredit Bank NA, rated 2.10/5 from 207 ratings.

- Source: https://appshunter.io/ios/app/pibank-usa/id6503067375/reviews
- App overview in markdown: https://appshunter.io/ios/app/pibank-usa/id6503067375.md
- Rating breakdown: 5★ 43 · 4★ 8 · 3★ 8 · 2★ 17 · 1★ 131

## What do users think of Pibank USA?

Overall sentiment: negative

**Pros**

- 🚀 Simple and straightforward app
- 👍 Easy to use
- 💰 Offers high interest rates
- 🤝 Good customer service

**Cons**

- 🐛 Buggy app with frequent crashes
- 🔒 Security and login issues
- 🔄 Unreliable transfers and withdrawals
- 🕰️ Slow and unresponsive app
- 🚫 Limited functionality

**Commonly reported bugs**

- Inability to log in or access account
- Freezing and crashing during use
- Inconsistent app behavior

**Most requested features**

- ACH transfer support
- Web-based banking option
- Improved customer communication

## Newest reviews (17 of 155)

### 2/5 — Worst bank app I ever used

*2026-06-05, version 4.6.4*

Using this app was so frustrating I closed my account

### 1/5 — Just don’t

*2026-05-21, version 4.6.4*

I know what you’re thinking. How bad can it really be? It’s bad. All of what the other negative reviews have said are true, please read them. Not worth your time. So frustrating; endless loop of crashes, verifications, error messages.

### 1/5 — I wish I could give this 0 stars

*2026-05-14, version 4.6.4*

I tried to open an account and it wouldn’t let me finalize the account I’m assuming because of some error so I just gave up. I came back a couple months later to try again and it’s prompting me to login and treating it as if I finished opening the account but I never did. It’s a shame the app is so egregious because their HYS rates are great.

### 2/5 — Terrible app

*2026-05-13*

I’ve had an account with pibank for 1.5 years. In that time I’ve benefitted from their competitive HYSA rate. 

However, in that time I’ve also experienced many issues. The app is truly awful. I find myself unable to access my account a few times a month. I’ve had issues transferring money out of the account, and the customer service isn’t great. 

I’m writing this as I’m attempting to transfer money out and receiving an error message that my “request cannot be completed.” I then attempted to contact the bank also received the same error message. So I can’t transfer money from my account, and I can’t contact the bank. 

Not only is this frustrating, but it’s also alarming. 

Pibank rates are competitive, and if you plan on putting money in a HYSA and never touching it then this bank is good for you. If you plan on transferring money or talking with the bank good luck because it’s been 50/50 in my experience.

**Developer response:** Hi @giglesmcweat, we're sorry for the trouble you've experienced with the app and understand your frustration. Thank you for your feedback, we're constantly striving to improve and provide the best possible service. Our Customer Service team is available Monday through Sunday from 8:00 AM to 8:00 PM EST to assist you with any questions or support you may need. Please contact us at 954-636-7777, toll-free at 1-877-678-0888, email info@pibank.com, or schedule a callback at pibank.com/help-center. We're here to help!

### 1/5 — App is terrible, interest rates are good

*2026-05-06, version 4.6.3*

This company only allows you to bank through their app which is absolutely awful. It lags, sometimes your account doesn’t show up, sometimes they freeze your account for no reason. I wouldn’t recommend banking here or using this app unless you want your life to be difficult for no reason

### 1/5 — Garbage App

*2026-05-03, version 4.6.3*

Can’t log in with face ID and can’t paste my password. Have to enter it manually every time. Can’t deposit money because I get an error every time. Massive waste of time setting up this account because it’s effectively unusable.

### 3/5 — Better than expected!

*2026-05-01*

4/30: Face ID has randomly stopped working completely. Have to use password each time 

Edit: Had some initial issues but haven’t had any since then and the update fixed the inbox bug.. updating to 4 stars.
——
I don’t get all the negative reviews honestly, I was expecting the worst but it’s actually one of the better bank apps I’ve used. It’s well-designed with basic functions and responsiveness. Doesn’t support advanced banking tasks but I knew that already. Only had a brief issue of not being able to login but was working again 15 minutes later.

**Developer response:** Hi @mrAssman, we understand your concern and truly appreciate your feedback. We're constantly striving to improve and provide the best possible service. If there’s anything else we can do for you, please don’t hesitate to reach us out at 954-636-7777, toll-free at 1-877-678-0888, email info@pibank.com, or schedule a callback at pibank.com/help-center. We're here to help!

### 1/5 — Account disappeared

*2026-04-21, version 4.6.1*

My savings account has randomly been removed from the home page and the app is taking much longer than usual to load. Will edit this review if it changes because the app was fine prior to this, but opening it and trying to transfer money and seeing your entire account gone is quite scary.

### 1/5 — Unstable App

*2026-04-21, version 4.6.1*

Every time you log in to the app is an experience. Sometimes it doesn’t load. Sometimes it shows your account as non existent. Sometimes it’ll just load for minutes then not go through. If they didn’t have such a great rate I’d move my money elsewhere.

### 4/5 — Improved!

*2026-04-20, version 4.6.1*

Ever since some recent updates the app has been working seamlessly every time and I can appreciate that. Thanks so much for taking the time to ensure the application works properly I am sure it’s a complicated process.

### 1/5 — You Have One Job

*2026-04-17*

I cannot comment on the quality of this bank, but I can say the application process has wasted two hours of my time. Now that I’ve input my Social Security number, my email, a photo of my license and my address, it is no longer working Thank God I have not deposited any money at this point. It’s surprising to see an Internet only bank that does not have rudimentary Internet capabilities. Been waiting almost 30 minutes for a call back just to get my application deleted. Beware. 

Fortunately, they called after 35 minutes and deleted the application when I requested it. That part went well.

**Developer response:** Hi @TRT04, we’re sorry for the trouble you've experienced with your account opening and understand your frustration. Thank you for sharing your feedback, we're constantly striving to improve and provide the best possible service. If there is anything else we can do for you, please contact us directly at 954-636-7777, or toll-free at 1-877-678-0888, or by email at info@pibank.com.

### 1/5 — Application submission timed out

*2026-04-11, version 4.6.1*

This was during signup. Imagine trying to withdraw money. No thanks. Ciao

### 1/5 — Brutal

*2026-04-09, version 4.6.0*

App is terrible, don’t have website. Transfers out are wire transfers, so make sure your receiving bank doesn’t charge for that. Great interest rate, but they wall your money in with horrible app and spotty customer support.

### 1/5 — Give me my money back!

*2026-03-29, version 4.6.0*

I created an account, did a balance transfer, downloaded the app & couldn’t login & haven’t been able to login for a week! I’ve tried contacting support and can’t get ahold of anyone or any kind of response. When you read this and leave your little “appreciate the feedback” comment to this review that you leave on every review, either contact me or give me an actual way to contact you to resolve this or I’m getting my lawyer involved. You have 3 business days to give me my money back.

### 1/5 — Untrustworthy and unreliable

*2026-03-27*

Seems this bank can expect a lawsuit under section 5 of the federal trade act for intentionally deceptive practices. There is no customer service. If you send them a message through the app, they will say that they’re working on it and then they will send you a message saying it’s been fixed, but nothing’s been done. If you call customer care, you will wait an hour even if you’re only number eight in queue. When you finally talk to someone, they will gaslight you and give you confusing poor service while they speak to you in rude tones. If you press one to receive a call back instead of waiting an hour to talk to them then they won’t actually call you back. If you do receive some sort of communication it’s through voicemail drop they don’t actually call you for your phone to ring so you can answer it.

**Developer response:** Good morning @Bethany1981, we’re very sorry to hear about your experience. At Pibank, our focus is to provide clear, efficient, and high-quality service to all our customers, so we’re concerned about what you’ve described. We’d really like to better understand your case and help resolve it as soon as possible. Our support team is available Monday to Sunday, from 8 am to 8 pm ET. For assistance, please contact us at 954-636-7777, toll-free at 1-877-678-0888, email info@pibank.com, or schedule a callback at www.pibank.com/help-center/. If you’ve already tried to reach us, we encourage you to try again or use the callback option so we can better prioritize your case. We truly appreciate your patience and want to reassure you that we’re constantly working to improve and provide the best possible service.

### 1/5 — Won’t allow any connection outside of Plaid

*2026-03-23, version 4.6.0*

I wanted to use my credit union but there’s no way to manually enter info. No wonder such a low rating

### 1/5 — Hire Developers

*2026-03-23, version 4.6.0*

This application hardly ever works when trying to login and gives users many issues. I am begging you all to hire an adequate development team to fix these issues as your customers should have access to their accounts at all times unless maintenance is being performed. This is ridiculous. I PROMISE IF YOUR APPLICATION WORKED, YOU’D GET A FAST ROI ON THEM. BUT IT DOES NOT. People even stop banking with you due to this! Analyze your business practices.

## Most critical reviews (10 lowest-rated)

### 1/5 — Awful app

*2026-08-20*

I read warnings about this bank and its terrible app but decided to proceed anyway because it is FDIC insured and figured I’d only be making occasional transactions and transfers for a long term savings. Well, it truly is awful…. Every login is so frustrating, glitch after glitch, troubles transfers from my already linked checking account (and don’t get me started about how long it took to link my checking due to the glitchy app). I’d suggest putting your money in a more reputable well known online savings account even if Pibank has the most competitive interest earnings at the time you choose to open (it’s significantly decreased since I joined anyway). I don’t trust a bank with such a poor quality app that clearly makes no attempt to fix it despite multiple negative reviews.

**Developer response:** Hi @DannyM1864, we're truly sorry to hear about your experience and understand your frustration. Thank you for sharing your feedback, we're constantly striving to improve and provide the best possible service. If you have any additional feedback or need assistance, please contact us at 954-636-7777, 1-877-678-0888 or info@pibank.com, you may also schedule a callback at www.pibank.com/help-center/. We're here for you.

### 1/5 — App Freezing up

*2026-07-10, version 4.6.6*

I am not able to check my account because the App os Freezing up after I log in. I tap on the three lines on top right corner and the app Freezes. Please fix this asap because this app is the only way I can access my money.

### 1/5 — Login broken

*2026-07-01, version 4.6.6*

Login has been broken for months, across multiple app updates

### 1/5 — poorly coded app

*2026-06-27, version 4.6.6*

over the last few months the app has degraded heavily to the point where after lowering the APY by 0.5% I’m ready to put my money into a different bank. face ID no longer works, the app doesn’t remember passwords or allow me to paste it or auto fill from the apple or chrome password manager, so whenever i want to use the app i have to type out my long complicated password.

### 1/5 — Save time and your money Denial despite mtg qualifications & refusal to delete personal data

*2026-06-24*

Safe your engery ans invest elsewhere. Do not let the high interest rate fool you; dealing with PiBank is a nightmare. Their automated onboarding and biometric verification systems are completely broken—frequently rejecting applicants with Tier-1 credit and immaculate documentation, only to keep their highly sensitive personal information on file with zero option for a manual review. When calling to ask why the account was not eligible, agent could tell provide any insight other than image not verified, yet when selfie was taken it showed “green”’as in good. When asking to speak to supervisor was told they would get back to me in 7 days - that’s horrible customer service for a bank trying to get new money. At this point, I demanded my social, license, picture and all personal data deleted and the representative wouldn’t do anything other than say it was safe. A complaint has been filed with FTC. Going to banking commission next to shut down these types of sketchy online bank operators.

**Developer response:** Hi @Aspiring11, thank you for reaching out. We understand how frustrating this must have been, and we sincerely apologize for the inconvenience you experienced during your account opening process.

Pibank is an FDIC-insured and federally regulated institution committed to transparency, security, and reliable service. Protecting our customers' personal information is one of our top priorities.

We'd like to escalate your case to the appropriate team for review. Please contact us at 954-636-7777, toll-free at 1-877-678-0888, email us at info@pibank.com, or schedule a callback at pibank.com/help-center. We're here to help!

### 1/5 — Horrible Bank $15 Wire Fee

*2026-06-23, version 4.6.5*

Do not get this App!! Charges you $15 Wire Fee every time you try to move your money out!  Got charged $15 fee for moving $5 out to chase!!

### 1/5 — This app doesn’t work

*2026-06-22, version 4.6.5*

App doesn’t work

### 1/5 — Horrible

*2026-06-17, version 4.6.5*

Unable to access the account on the app as there is some error... There is no way to access online. How do I get into my bank account?

### 1/5 — This app doesn’t work at all

*2026-06-14, version 4.6.5*

This app won’t let you log in. I hope this is fixed or I will have to delete it since all transactions are made online. Makes no sense. Like fixed soon, we need access to our money and transfers!

### 1/5 — Worst App Ever

*2026-06-05, version 4.6.4*

This is the worst app experience I have ever encountered. I just opened a new account and completely cannot log in. If this issue isn't fixed immediately, I will close my account.

## Most praised reviews (10 highest-rated)

### 5/5 — Competitive rate

*2026-05-15, version 4.6.4*

Their customer service is professional, easy to use and especially appreciate your competitive rate ! Highly recommended

### 5/5 — Worked Despite Concerns I Had

*2026-05-15*

Honestly was hesitant trusting the app at first. But I’ve been with them for two years now and the high apy has been reliable and consistent. App doesn’t have many features but when the purpose is simply depositing money it does the job. Only thing I’d comment on is the slow transfer speeds

**Developer response:** Hi @NatGeoWILDDDDD, thank you for your feedback. We’re happy you’re enjoying your Pibank Savings! Keeping our customers happy is our top priority. If there’s anything else we can do for you, please don’t hesitate to reach out.

### 5/5 — Not a scam

*2026-04-30*

I opened a Pi Bank Account to take advantage of the high yield interest. It’s not like your typical BOA or Chase account where you can use it to pay bills etc… just a heads up there. It’s mainly to put savings and reserves in a place where you can take advantage of their high yield interest rate on your savings. I’ve called customer service a couple times for support and always received great help. I spoke with Luis today and asked about the bad reviews and he said when ppl are happy, they don’t usually write reviews — but when they’re unhappy, they do. I understand this. So I wanted to share my experience, in hopes it helps because they’re a legitimate bank with a benefit to those who use it. You just need to know what the set-up is for your money before signing up. Hope this helps others. Thank you, Luis in customer service for your support.

**Developer response:** Good morning @Mommyoftwocrew, thank you for sharing your positive experience, it's very valuable to us.  We're glad to hear that our team was there to assist you along the way. Keeping our customers happy is our top priority. If there’s anything else we can do for you, please don’t hesitate to reach out. We’re always here to help!

### 5/5 — RECOMENDADA 100%

*2026-03-14, version 4.6.0*

"¡Excelente experiencia! Buscaba una cuenta de alto rendimiento en EE. UU. que fuera sencilla y Pibank superó mis expectativas. Lo mejor es que ofrecen una de las tasas más altas del mercado (4.60% APY) sin pedir depósito directo ni saldos mínimos. El proceso de apertura fue rápido y, como punto extra, tienen atención al cliente en español, lo cual se agradece mucho. Una forma segura (asegurada por FDIC) y fácil de poner a trabajar los ahorros. ¡Altamente recomendada!"

### 5/5 — Great Savings Account

*2026-02-12*

I’ve been using the Pibank app for a few months now and I absolutely love it. It’s perfect for saving and the interest rate is excellent. Before I opened my account I read several reviews and honestly thought the app might not be so good but it turned out to be way better than what I expected. It’s works good, easy to use and I haven’t had any issue so far. Recommend this bank for saving!

**Developer response:** Hi @Mar2000, we’re happy you’re enjoying your Pibank Savings! Keeping our customers happy is our top priority. Thank you for sharing your feedback, we’re constantly striving to improve and provide the best possible service. If there’s anything else we can do for you, please don’t hesitate to reach out. We’re always here to help!

### 5/5 — Pibank Review

*2026-02-10, version 4.5.0*

So far i’ve been using Pibank for 6 months now and the app is very easy to get the hang of and i’ve received the interest. I have no real complaints as of now and would recommend as a HYSA.

### 5/5 — 4.6% interest

*2026-02-07, version 4.5.0*

Great

### 5/5 — Easy to use, true Saving account

*2026-02-04, version 4.5.0*

Smooth process, great rate, good customer experience

### 5/5 — Great customer service and app

*2026-01-30, version 4.5.0*

I’ve been with the bank for a while and love their customer service and assistance with my transfers right away when needed. 

The app design is very simple, easy to use and straight forward. I haven’t had any problems with

### 5/5 — Not a bank

*2026-01-23, version 4.5.0*

Okay

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*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 2026-09-01.*