# PNC SmartAccess® Card — user reviews > 54 indexed App Store user reviews of PNC SmartAccess® Card by PNC Bank, N.A., rated 4.70/5 from 12,067 ratings. - Source: https://appshunter.io/ios/app/pnc-smartaccess-card/id1115829486/reviews - App overview in markdown: https://appshunter.io/ios/app/pnc-smartaccess-card/id1115829486.md - Rating breakdown: 5★ 10,611 · 4★ 616 · 3★ 270 · 2★ 132 · 1★ 438 ## What do users think of PNC SmartAccess® Card? Overall sentiment: neutral **Pros** - 👍 Easy to use - 🚀 Convenient for direct deposit - 💳 Good prepaid card - 🔒 Secure banking **Cons** - 🐛 App issues and login problems - ⚠️ Limited functionality compared to regular bank account - 🔍 Difficulty accessing account details - 💸 Unexpected fees or charges **Commonly reported bugs** - App frequently crashes or is unavailable - Face ID/biometric login not working - Transactions not showing up correctly - Difficulty making deposits or payments **Most requested features** - Add mobile check deposit - Improve app stability and performance - Increase compatibility with other payment apps - Provide better customer service and support ## Newest reviews (12 of 54) ### 3/5 — Fix app issues!!!! *2023-06-11* The app is really good to use, but here lately in the last few weeks it’s not been letting me log on to check everything. Just keeps saying we’re unable to process your request at this time and to try again later. I need this to get fixed ASAP…. I use this app on a daily basis. ### 3/5 — Pre paid card *2022-08-07, version 1.4* I have tried to deposit money on my card through the atm and it won’t follow through with the transaction I’ve tried for 2 days and no luck ### 3/5 — Pls fix sign in bug *2022-04-29, version 1.4* I love this app except it never remembers my Face ID log in. It use to and now I have to manually put my password in more often than I want ### 4/5 — Good prepaid card *2022-03-11, version 1.4* It’s very nice card with no fees when loading cash or taking off cash at your local PNC atm… My only issue I was trying to add my number for alerts and even when I was edit it still didn’t give me option so I just use my email.. Overall very nice and convenient card.. Thnx PNC ### 4/5 — New to me *2022-01-19, version 1.4* It is first time I had seen this abs I’m taking a while to process to check my balance . Thank you! ### 3/5 — Not ur fault Mine *2021-02-13, version 1.3* Seems as of this is a failure to a checking account and some other payments and things I need to pay won’t recognize this SMART LOADABLE CARD. Even though it comes with routing and acct numbers. ### 3/5 — 2 *2021-01-05, version 1.3* It works well if u need direct deposit for paychecks, but u can’t use the card everywhere. If you’re Like me and need Uber/lift, forget it. And u also can’t make deposits thru the atm. It’s a limited card but I guess that’s to be expected with pay as you go. Those are really my only two complaints.? ### 2/5 — Annoyed *2020-11-02, version 1.3* HOW does this have 4.7/5 stars? Every review that I’ve seen gives this horrible reviews. Out of the 2 PNC apps that I used the best one was discontinued. I really enjoyed the wallet and this app just doesn’t have the same features. I much prefer the old money bar in the wallet, and the over all design of the wallet. This app just looks out dated and isn’t as user friendly. ### 5/5 — Disgusted *2020-11-02, version 1.3* Whatever is left in the acct on the last day of the month they take ### 5/5 — The best Bank ever and highly recommend *2020-09-27, version 1.3* The best bank ever and highly recommend. I love thank trust this Institution ### 5/5 — Please make it same way like online banking *2020-04-13, version 1.3* Should b same way like online banking ### 5/5 — Horrible banking *2020-02-27, version 1.3* To many bad experiences with PNC, the app hardly ever works, it’s always under going changes and won’t allow users to check balances or have access to prepaid mobile banking options, much better off with a prepaid net spin debit card. ## Most critical reviews (10 lowest-rated) ### 1/5 — Horrible Banking Experience…. *2023-04-03* Worst Banking Experience Ever! Not only did it take a month to get my debit card but it took 3 trines to order it . The second attempt the banker at the branch said they would waive the rush fee of $25 … not only did they still charge me they make you feel like its your fault and don't follow through what they commit to as a bank. I had an unauthorized charge on my visa debit … its past 45 days and not a word , no temp credit no follow up nothing. Sondo yourself a favor deposit nothing with PNC . Zero Give them Zero because thats the score they get from me. $0.00 ### 1/5 — All the worst things about banks rolled into one *2023-02-22* I see this up for direct deposit, I don't remember if it came early I believe it did but customer service sounded like teenagers in a garage laughing when I tried to make a dispute. They mocked me when I told them my situation and I let it go just because I knew I needed the refund for a subscription and that this card was only temporary. Customer service horse for the card is a couple hours shorter than regular account holder hours and you definitely feel like a second class customer with the card and no account attached. They canceled my card without notifying me (I assumed they would though I was always in person of it when he asked). I had funds i could not touch for as l most (if not more ocean) 2 weeks. You can't make any deposits only DD. You can't be helped at any backs (some actually try to with limited access). It's the WORST account I've ever had! ### 1/5 — How hard is it? *2022-12-04, version 1.4* Every single time the app has issues; Face ID is turned off and credentials are removed that are saved. It is beyond tiresome to have to re-enable features that I do not turn off nearly every 3 months. ### 1/5 — just awful and ridiculous. *2022-08-04, version 1.4* awful, can never access our accounts on mobile, it’s literally ALWAYS down or has “scheduled maintenance” that we only occasionally get warnings for going on. many other things are lacking as well, but suffice it to I’ll be moving to a new bank as soon as possible. also, I miss BBVA, the buyout was orchestrated horribly on PNC’s end and nearly cost us an apartment we needed to get and made putting cash down on a vehicle a ridiculous obstacle. ugh. ### 1/5 — Never works. Please try again later. *2021-07-22, version 1.4* This app never works. 9/10 times I want to use it, it’s unavailable & I need yo try again later. PNC will advise you uninstall & reinstall the app each time that happens, so if you want to use this app, be prepared to uninstall, reinstall & set up the app each time you want to take advantage of it. It’s a pretty inefficient method, so save yourself the frustration & just don’t bother. ### 1/5 — Awful -ABSOLUTELY AWFUL *2021-04-16, version 1.4* Cannot use the PNC smart access card without it blocking my next transaction. I use it once and it throws me to fraud prevention. Never mind the fact that I have the ability to block it myself when something goes wrong, they just do it after each and every transaction. I am done with PNC. I get the whole “safety and security “ thing but when it starts literally interfering with my daily activities and/or bills then it’s too much of a hassle. I have a Bank of America account and a First community credit union acct and neither one goes to this extreme. They have exemplary fraud protection without it causing me any headaches. ### 1/5 — Doesn’t work! *2020-12-31, version 1.3* I’ve been having to use safari to check anyone inform my card. Everytime I re download the app and put the same info I have for the website it gives me a error. This needs to be fixed or a major update. I’m really disappointed ### 1/5 — App Won’t Let Me Log In *2020-04-09, version 1.3* I haven’t been able to log into the app in months. Says UPDATE: we aren’t able to process your request at this time. So I try to enter my password manually and it says it’s wrong. I’m able to access my account via the web. What good is an app if we can’t use it. Horrible! ### 1/5 — Seriously!!! *2020-01-10, version 1.2* This app needs to be updated in the worst way. I cant even log in half the time and I feel like PNC should take a page from BB&T they have a similar account but you can do so much more with it and can do deposits and all and the app stays updated with no issues. PNC needs to get it together and update everything with their smart access accounts ### 1/5 — 🤦🏽‍♂️ *2019-11-26, version 1.2* Won’t let me log in keeps saying i need at least one letter in my password when i have more than one i don’t know what happened when they updated it cuz i used to work just fine but the update only made it impossible to use please fix ## Most praised reviews (10 highest-rated) ### 5/5 — Great card *2023-03-12* I’ve had SmartAccess for several years and it’s the only card I use. The app is easy to navigate. I don’t have to worry about fees or over drafts! It’s simple to load cash. ### 5/5 — Satisfied *2021-09-15, version 1.4* I Love It…Not Too Much More I Can Say…I Load My Card At An ATM For Free…Check The APP For My Balance Approx 5-10 Minute Later…View All Of My Transactions. ### 5/5 — Access *2021-09-07, version 1.4* There is a charge on my account from TVON*** that I don’t recognize and wish to dispute it. I could not access my account for the last 3 days. ### 5/5 — Incredible Banking! *2021-07-21, version 1.4* So,great full for PNC BANK debit card,It’s safe and convenient. Very easy to add and withdraw money when needed. And,protection to the highest levels. ### 5/5 — Card should be accessible to more apps *2021-04-15, version 1.4* You guys should really look into the making the card accessible for cash app and other money paying apps ### 5/5 — Love it! *2021-04-01, version 1.4* I absolutely love this app I’ve had it for years never a problem! ### 5/5 — Fire *2021-03-26, version 1.4* I love this card I been with this bank for years I love my account with you guys ### 5/5 — Card Control *2021-03-24, version 1.4* It would be great if you could scan/deposit checks online ### 5/5 — Better banking *2021-01-08, version 1.3* Short and sweet, I’ve been a SmartAccess cardholder for 3 years and it’s been flawless. Every once in a while it has to update to view transactions and balances. Overall I would highly recommend. ### 5/5 — It’s a problem *2020-12-10, version 1.3* This App is a huge disappointment. Does not work --- *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 2026-06-10.*