# Quontic Bank — user reviews > 63 indexed App Store user reviews of Quontic Bank by Quontic Bank, rated 4.80/5 from 1,222 ratings. - Source: https://appshunter.io/ios/app/quontic-bank/id1049057742/reviews - App overview in markdown: https://appshunter.io/ios/app/quontic-bank/id1049057742.md - Rating breakdown: 5★ 1,083 · 4★ 109 · 3★ 15 · 2★ 4 · 1★ 11 ## What do users think of Quontic Bank? Overall sentiment: neutral **Pros** - 💯 Amazing app and banking experience - 👍 User-friendly and intuitive interface - 🚀 Smooth and fast performance - 💳 Convenient debit ring feature - 🤝 Responsive and helpful customer service **Cons** - 🐛 Buggy app with crashes and freezes - 🔒 Tedious verification process - ⏱️ Slow external transfer enablement - 🚫 Inability to access funds for extended periods - 📱 Outdated and limited mobile app functionality **Commonly reported bugs** - Login issues and app not loading properly - Inconsistent account balance and transaction tracking - Unreliable mobile check deposit functionality **Most requested features** - Debit card controls integration - More frequent app updates and improvements - Seamless external account linking and transfers - Enhanced mobile app features and user experience ## Newest reviews (12 of 63) ### 2/5 — Verification Process *2025-12-17, version 4019.0.3* Verification process is tedious and takes about 6+ minutes. Yikes! ### 4/5 — Logging in *2025-04-25* All of the sudden the app needs me to log in then doesn’t load no matter what. App was great before ### 4/5 — So far so good *2024-02-14* Besides some small grammatical and textual errors, a pretty good app and banking service . I do wish the app was updated more often though and I question why external transfers are enabled after 30 days. Great responsive customer service. ### 5/5 — Pay Ring *2023-12-19* I love the pay ring. It’s an excellent feature that no other bank has. I use my ring constantly instead of my debit card because it gives me 1.5% back on all purchases . Also, every time I use my ring it catches the eye of future customers for Quantic. Everyone wants to know more about the ring and the bank itself. I always tell them about the bank and it’s services. I really appreciate the customer service and they are always polite and professional. I want to say, thank you for your service. ### 4/5 — Big Improvement Over Previous Version *2023-12-15* You can rename and reorder bank accounts on the website and now they show up in the same order on the app. Visually it is nicer now also. ### 5/5 — Good experience *2023-12-14* I was looking for a high interest checking account during the pandemic and I found Quontic Bank. I’ve had a good online experience and the new app has all the modern features you need. There’s a snapshot feature where you don’t have to log in to see your balance and current credit score. You get a full Vantage report along with your accounts. Very smooth and easy to navigate. ### 5/5 — Amazing update *2023-12-13* You guys went all out with the update . We won’t talk about the old app because it’s gone now and that’s all that matters. I LOVE this update it makes so much sense. Thank you for changing that. ### 5/5 — This is it!! *2023-11-09* I love new app! It is exactly how I wanted it to be when I opened an account. It’s visually appealing and easy to understand. Now I can see all my transactions instead of the few it showed me in the last app. Thank you!! ### 5/5 — Great app upgrade *2023-11-07* The new app has a much better look and feel to it. I especially liked snapshot and the biometric support being up front. ### 4/5 — Much improved UI *2023-11-07* The new app is a huge improvement. At first glance it feels natural and familiar. I can immediately access the features and information I’m looking for. Like others, I was initially frustrated with the onboarding process. However, customer support was generally responsive and I was able to link external accounts, and now my account activity is fully functional. Kudos! ### 5/5 — Great Redesign! *2023-11-07* I love the new UI change of the app, it looks more modern and is much more intuitive to navigate through! My only little nitpick is that the Zelle interface hasn’t changed, it looks a little out of place compared to the new UI of the app. ### 4/5 — Love this Bank, App needs improvements *2023-07-13* I have had nothing but good experiences thus far with this online bank and the debit ring is awesome to have. The app is stable and simple but could use a few extra features. I hear a new app will be launched soon. ## Most critical reviews (10 lowest-rated) ### 1/5 — Awful bank *2026-04-28* Hardly used my account and they stole $100 in account fees and closed the account. Good luck if you choose such a poor service bank. In addition they are not very modern for a digital bank. They use old offline, manual process for id validation for example. Not worth the time. You can easily find a much better bank now days. ### 1/5 — Stay away! This bank is a scam. Can’t transfer money for one month. Limit on monthly withdrawal *2026-01-07, version 4019.0.3* Don’t do this. It’s a scam bank. Call before and ask all details ### 1/5 — Scammed me out of $1400 *2024-06-23* I deposited $100 to start my account. Then I wanted to transfer money to my brokerage account. So I deposited $1400. Because my account was not open for 30 days I had to do a written wire request form. The wire did not go through even after emailing my broker to check the wire was right; emailed Quontic support to make sure the wire was right. I have all emails as proof. I even sent my id and a picture of me holding my id. After all that they said the wire has to get a second approval. It should take two days. 4 Days later my account is banned AMA I can’t access any of my funds. I literally did everything right. Emailed their team and my brokers team, had all paperwork, id , everything you asked I went above and beyond and now you ban my account. Where is my money!! ### 1/5 — Beware *2024-03-28, version 4012.2.0* The bank will stop the APR while you are in the process of application ### 1/5 — Trying hard to avoid new customers *2024-03-27* Rejected my application because of a recent change of address. This seems like a questionable choice. People often require a new bank account after a move. Customer service was not helpful and just asked me to “try again, it may work. But if it is rejected twice, we cannot offer any service to you”. ### 1/5 — STOLE MY MONEY *2023-12-14, version 4010.3.2* A few years ago I deposited $500 with them but there was no intuitive way to make any deposits. Eventually, that account disappeared from my main account profile: I let it go thinking it was temporary because of the awful state of their app. As well as unable to do literally anything within the site or app. Lo and behold, I recently receive a notice that *I had ABANDONED my property?!? And that it was ONLY $482.71 now?!? So, they took my money, held onto it for years, and are kind of returning some of it now? If this isn’t a pyramid scheme, the. I don’t know what one is… ### 1/5 — Don’t put your money in this bank *2023-08-25, version 5.0.20.4678502256* The UI is awful. Across the board. I was able to open a checking account, but not allowed to access any of their other financial products. To repeat another way: THEY WON’T LET ME GIVE THEM MONEY. ### 1/5 — Very difficult bank to work with *2023-04-11, version 5.0.20.4678502256* Extraordinary how difficult this bank is to work with. After opening the account I changed my mind and wanted to close the account. I had less than $5 and the process for completing a simple address change and processing my request to close the account was the most difficult thing I’ve ever had to do at any bank EVER. Multiple layers of telephone verification questions, name, DOB, last 4 of social, when account was opened, full account number (which wasn’t available in the mobile app so I had to log in to online banking which requires username, password and two factor authentication to get). Even after providing ALL of that information to change the address the bank requires you to provide utility bill (which you wouldn’t have yet if you just moved, another banks statements showing the new address which takes days /weeks to mail to you, or drivers license with the new address which you wouldn’t have yet or the USPS mail forwarding confirmation). After sending this via the secure messaging system to the agent who just verified all of my information on the phone I then had to take a color picture of my drivers license and upload that as well via the secure messaging system in online banking. This is significantly more hoops and trouble than it’s worth and WAY more than any other bank would require. Even after all of that the agent still didn’t have the ability to change the address - they had to forward the request to another department to complete the address change which means I could even process my request to close the account. Save yourself a LOT of time and trouble and go somewhere else. I signed up with SoFi which has been an incredible experience. ### 1/5 — Mobile app rating (Not the bank itself) *2023-03-30, version 5.0.20.4678502256* Wow, this app is so antiquated that Jesus himself used it. Please update this app to allow more features and a better mobile banking experience. I have a plethora of ideas, just contact me. ### 1/5 — Worst banking platform ever *2022-10-17, version 5.0.10.332* I don’t understand why anyone would choose to use this bare bones platform when competitors are offering higher interest rates with no minimums or fees. The website and app are just awful to navigate and you have to call for everything. ## Most praised reviews (10 highest-rated) ### 5/5 — Easy to access information *2026-07-16* The Quontic bank app is straightforward and intuitive. The app makes it simple to access information efficiently. ### 5/5 — Over a year since *2026-03-11* I am really enjoying banking with Quontic Bank and their accompanying app is pretty user-friendly, from my experience. I have recommended this bank to others in the past. ### 5/5 — Amazing *2025-08-23, version 4018.0.0* This app is on the same level as Chase or Bank of America or even Amazon. ### 5/5 — The best *2024-11-14* This is the best bank any one can have I have no issues with my money I get it when I want it and when I need it it’s good with pay checks as well the best part of this bank is the ring I promise you it’s nothing like accidentally leaving your wallet and you have your ring on and can just Zelle the money to it the greatest life saver ever I dropped my ring from the side of my hip it landed on tile floor so it stopped working ordered a new one the process was easy and fantastic but other wise this is the bank to have on the side 💯💯⚜️ ### 5/5 — Easy to use *2024-09-13* Simple, direct, effective. ### 5/5 — Love this Bank, App needs improvements *2024-09-02* I have had nothing but good experiences thus far with this online bank and the debit ring is awesome to have. The app is stable and simple but could use a few extra features. I hear a new app will be launched soon. ### 5/5 — Love this bank. *2024-06-15* Love everything about Quontic. ### 5/5 — Good experience *2024-03-14* I was looking for a high interest checking account during the pandemic and I found Quontic Bank. I’ve had a good online experience and the new app has all the modern features you need. There’s a snapshot feature where you don’t have to log in to see your balance and current credit score. You get a full Vantage report along with your accounts. Very smooth and easy to navigate. ### 5/5 — New App Design and UX *2024-02-18* I really like the updated and refreshed mobile app! Great job in picking a new interface to migrate to. Best thing about this bank is the pay ring! It is a conversation starter when I talk to folks about it! One thing I would like to see integrated soon is debit card control. When can we expect that functionality to be enabled in the new version? ### 5/5 — App and ring *2024-02-04* The app it’s self has been amazing since day1 and the customer service the best the ring it’s self is perfect 💯 I’m 5’8 I washed my hands and thought I dryer them off well I had my hand by my hip while walking and it slipped off my finger long story short it stopped working so my sure it fits well 💯💯 --- *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.*