Useless
I opened an account here to use as a substitute to Revolut and what a disappointment. Adding money to the account to long winded and complicated. Some features are not set up and not operational, and I have been trying to close my account for months now and it won’t allow me to. What a mistake to open an account this app. Utterly useless.
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Unbelievable great personal service.
Great banking app and when you need to talk to someone they answer the phone without having to sit in a queue or talking to a AI machine and press a million options. No simply, hello I am so and so and this is my problem and it gets solved. Just so refreshing.
Cannot make payments
Had Ribbon for a while. For about the past 3 months have been unable to make ANY payments online. In app confirmations never appear and my requests to support go unanswered. What’s the point of a bank account if I can never use my card??!? Avoid these people and just use Monzo or Revolut instead.
Not Ux friendly
Unable to complete identity process. App would hang each time I tried to take reverse image of my driving licence!
Too slow.
Sadly everything takes ages. It can take more than a day just to simply convert GBP to EUR. It also takes hours to receive funds when depositing and also takes hours to add a recipient to be able to transfer funds out. When other online banks do this in seconds , sadly you’ll be pushed to use other banks.
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