Doesn’t work well
When I click “product terms” nothing loads. Just a blank screen. Can’t exit out either. Most close out app and start over. Really second guessing if I even want to use this company at all
Interest and service
Transfer money instant to cash account, easy transfer to bank account.
Great option APY !!!
Great option APY !!!
Worst experience
Worst banking and even worse app. This app takes you back to 80’s with its features- Raisin is even worse- You can only add 1 external account for money transfer - changing the account is not possible on app - Connect with customer care, they will send you several links to download statement of new account, separate link for old account statement and link to share your license and take selfies - all that to move your own money and takes week - During all that , i couldnt login to my app for week - There may be bad banking experiences but none can match Raisin
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Slow, Clunky UI
While the offers are great, the UI of the app itself is clunky, unintuitive, and can time a long time to load.
Easy and trustworthy
I’ve been using Raisin for 5 years now and I haven’t had a problem with any of their services. I’m currently using the high yield savings account and have no problem moving money in or out of it. They offer plenty of options for savings and also offer joint accounts.
Love this app!!!
PS when you’re my age you have to have plenty of baskets for your eggs!!!
Love this app!!!
PS when you’re my age you have to have plenty of baskets for your eggs!!!
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These guys make it VERY difficult to withdraw money.
For some people, the added security may be a major advantage of Raisin, but I found the difficulty of getting money out of my account to be unacceptably difficult. To link Raisin to my Chase account, I had to send them lengthy bank statements, electronically have my face scanned, upload my driver's license, and at one point their customer service department was talking about making me go to a notary public. Raisin will invade your privacy and waste a LOT of your time. Use Public instead: much better app, much better customer service. Seriously, there's no good reason to choose Raisin over Public.
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To get your attention. YIKES
The “new” UI is TERRIBLE.
Why can’t I see all the transactions in the app in one screen like I used to? Why do I have to scroll to the right to do this?
It’s been weeks and this hasn’t been fixed. It’s so irritating. I thought this update was supposed to make things BETTER?
How did you make it WORSE?
Please fix. Thanks.
Update: the DevTeam emailed me back, so we shall wait to see what kind of UI improvement is unveiled in a future update. For now it’s easier to use the mobile web browser.
Why can’t I see all the transactions in the app in one screen like I used to? Why do I have to scroll to the right to do this?
It’s been weeks and this hasn’t been fixed. It’s so irritating. I thought this update was supposed to make things BETTER?
How did you make it WORSE?
Please fix. Thanks.
Update: the DevTeam emailed me back, so we shall wait to see what kind of UI improvement is unveiled in a future update. For now it’s easier to use the mobile web browser.
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my money !?
i’ve never had to write a bad review or any review at that matter because i’m just not that kind of person. but when it comes to my money it is very frustrating that i’ve called and emailed and get no response. my money has not transferred into my bank account after 3 days and i really need it. do NOT download this app if you want your money safe.
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Blocked on login
I tried using the app instead of going to the website on the browser, when I successfully logged in with email and password it began the two-step verification process and automatically used a previous code generated from the website, it showed a red X saying incorrect and I tried again this time with the correct verification and it still showed another X I then waited to resend it sends me another code I use it then it goes to the login screen saying I’m blocked. Please fix your app!
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No Complaints
The app works fine. I can see the balance of my account and navigating to the bank portal only takes a couple taps. My experience with Raisin has been positive so far. Customer service has been great.
Beginning to think this company is a fraud
Went through the rigmarole to open an account with them. Most of it the same KYC requirements banks adhere to.
BUT- then they lock your account and want “more verification.” They want a photo of you with your ID. They don’t have a clue what is done with that highly sensitive biometric BUT they assure you it’s protected, yadda yadda. Already reeled in and having given them a substantial amount of money in the initial process, I gave them that data.
BUT THEN- somehow this company wants MORE “verification.” Without any reason given for why what they already have (much more than any Bank I’ve dealt with in 6 decades), they want an actual unredacted bank PDF of my funding bank’s complete statement! Account numbers, amounts, and way more other “honeypot” information. I guess I should just trust them because their UT based CSRs seem to make their ridiculous delays seem like routine checks. I actually gave them that full, sensitive copy of my bank statement, included my money to the penny, both account numbers, and more.
And then, this ridiculous company EMAILED ME THAT SENSITIVE INFORMATION FOR THE WORLD TO SEE! My full bank statement including account numbers and balances is now in the PUBLIC DOMAIN thanks to their incompetence. And to top it off, their CSRs just brushed off my concerns like I was too sensitive. Ugh.
I was told they gave all they need, and some security guy needs to look it over and finally unlock the account. Meanwhile, I see they have already TAKEN the substantial initial funding from my bank and now it’s locked in this “Raisin” account which they are still locking me out of- even to view! Essentially they have stolen my money, are preventing me from accessing or even seeing it, and pretending there is some sort of major “verification” problem they have to get through.
To top it off, I just received a ridiculous email from their CSR team claiming they are waiting for something from ME to “complete” their verification. Unbelievable.
At this point I’m ready to report their withdrawal from my bank as fraud, and also start reaching out to the NY Attorney General regarding what is seeming more and more like constructive fraud.
BUT- then they lock your account and want “more verification.” They want a photo of you with your ID. They don’t have a clue what is done with that highly sensitive biometric BUT they assure you it’s protected, yadda yadda. Already reeled in and having given them a substantial amount of money in the initial process, I gave them that data.
BUT THEN- somehow this company wants MORE “verification.” Without any reason given for why what they already have (much more than any Bank I’ve dealt with in 6 decades), they want an actual unredacted bank PDF of my funding bank’s complete statement! Account numbers, amounts, and way more other “honeypot” information. I guess I should just trust them because their UT based CSRs seem to make their ridiculous delays seem like routine checks. I actually gave them that full, sensitive copy of my bank statement, included my money to the penny, both account numbers, and more.
And then, this ridiculous company EMAILED ME THAT SENSITIVE INFORMATION FOR THE WORLD TO SEE! My full bank statement including account numbers and balances is now in the PUBLIC DOMAIN thanks to their incompetence. And to top it off, their CSRs just brushed off my concerns like I was too sensitive. Ugh.
I was told they gave all they need, and some security guy needs to look it over and finally unlock the account. Meanwhile, I see they have already TAKEN the substantial initial funding from my bank and now it’s locked in this “Raisin” account which they are still locking me out of- even to view! Essentially they have stolen my money, are preventing me from accessing or even seeing it, and pretending there is some sort of major “verification” problem they have to get through.
To top it off, I just received a ridiculous email from their CSR team claiming they are waiting for something from ME to “complete” their verification. Unbelievable.
At this point I’m ready to report their withdrawal from my bank as fraud, and also start reaching out to the NY Attorney General regarding what is seeming more and more like constructive fraud.
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Yearly Review
I’ve been with Raisin for two years now.
Overall it’s been a decent app, and has improved greatly over this past two years.
One major problem I have is there’s no way to HIDE previous bank accounts, even with a long time zero balance.
I can see where this list could eventually become too much to navigate and I’ll cancel my account, and decide if it’s worth creating a new account or go somewhere else.
Please consider an option to HIDE zero balance accounts. Thank you!
Overall it’s been a decent app, and has improved greatly over this past two years.
One major problem I have is there’s no way to HIDE previous bank accounts, even with a long time zero balance.
I can see where this list could eventually become too much to navigate and I’ll cancel my account, and decide if it’s worth creating a new account or go somewhere else.
Please consider an option to HIDE zero balance accounts. Thank you!
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It works fine
It worked fine before It’s thesecond upgraded. Now it’s not as good. Leave it alone!
Going in the wrong direction
Your latest update is frustratingly bad. You’re showing less detail with more clicks and swipes required to get to the same information that was easily available at a glance with no additional searching or input. Why would you add more complications? This is the number one rule of app development- don’t make it worse. Also, now the numerals are squished together in difficult to read font with vast stretches of white space that is truly awful in terms of design and eye strain when using the app.
On top of all of these things, navigation is still unusually and painfully slow. Time is money and your company doesn’t seem to respect either. Ironic.
On top of all of these things, navigation is still unusually and painfully slow. Time is money and your company doesn’t seem to respect either. Ironic.
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Useless App
I mistakenly scheduled a transfer. There is no way to cancel the transaction. HOW DO YOU HAVE A BANK WHERE YOU CAN’T CANCEL A TRANSACTION!? There’s no way to cancel the transaction online, so I called customer service. The rep I called said there’s no way to cancel the transaction on his side either. Seriously!? So my other bank initiated a transfer that I couldn’t fund, and I get hit with an NSF fee because I couldn’t cancel the transaction. That’s stupid! I will be closing my account. If you can schedule a transfer online, you need to be able to cancel it online.
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Too Slow
Transfer processing time was much longer than expected, which made liquidity management difficult. Interest rates were also lower than competitors. Not recommend.
Horrible app. A real joke
I’m an app dev but also a client of Raisin client. I’m shocked that such an institution can’t have a normal working app. Can’t save your login. The options are a joke. Tons of bugs. I’m shocked. It’s too bad.
UPDATE: you want more details ? Go look at Wealthfront and other similar apps.
For one super basic thing, login will not allow me to save my login info to my device for future use of the app. Every bank and non bank app I have does.
You want more feedback about the horrible functions of your app, you can hire me. My time is $
UPDATE: you want more details ? Go look at Wealthfront and other similar apps.
For one super basic thing, login will not allow me to save my login info to my device for future use of the app. Every bank and non bank app I have does.
You want more feedback about the horrible functions of your app, you can hire me. My time is $
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Do not use Raisin - can not move my money
Despite multiple attempts to move my money and several phone calls, including one with a supervisor, I cannot move my money from my cash account into my savings account. I’m taking all my money out. Be careful
This is an update after the developers response.
After waiting multiple days for a response from the supervisor I spoke with, I called again and complained that I had called on Thursday and it was now Tuesday and no resolution or response. The supervisor stated “I was working with our technical team to investigate the issue you encountered. Unfortunately, we were unable to identify a clear cause or resolution within that timeframe, which is why I did not have an update …”
I moved my money out.
This is an update after the developers response.
After waiting multiple days for a response from the supervisor I spoke with, I called again and complained that I had called on Thursday and it was now Tuesday and no resolution or response. The supervisor stated “I was working with our technical team to investigate the issue you encountered. Unfortunately, we were unable to identify a clear cause or resolution within that timeframe, which is why I did not have an update …”
I moved my money out.
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Do not use Raisin - can not move my money
Despite multiple attempts to move my money and several phone calls, including one with a supervisor, I cannot move my money from my cash account into my savings account. I’m taking all my money out. Be careful
Response from developer
Thank you for bringing this to our attention. We’re very sorry to hear about the difficulty you experienced transferring funds and for the frustration this caused, especially after multiple calls and escalation. This is not the experience we want for our customers. We’d appreciate the opportunity to look into this further and help resolve it as quickly as possible. Please contact our support team directly so we can review your account and assist you. Thank you for sharing your feedback.
CG
Could not login or create a new login.
