Ikano Bank UK Opiniões 

I cannot belive a bank has so many negative scores!! My experience with has been like most terrible customer service, broken promises. No care for the customer, then the standard robotic response about please contact customer service, what a load of dribble!!

Total waste of time. Why have a credit card to use with a company then an app that doesn’t work with the verification of the same company? Gave up after numerous attempts trying to get verified. Card now cancelled & Ikea you are losing business due to the incompetence of this lot.

I've been trying for weeks without success to have my new IKEA credit card verified as a payment option on two online shops. In both cases they direct me to Ikano Bank app to approve the verification request. The Ikano App either says "This service is temporarily unavailable" or just does nothing- the fault is never consistent. The first customer service advisor I spoke to said I should cancel the card and order a new one, which I did. Same problem with the new card. The 2nd customer service person said I need to toggle OFF the online payment setting in the Ikano Bank app because the developer programmed it back to front. Seriously??!!! Did that, no difference. I don't believe it's a credit card at all. I mean, surely a bank can't be THAT RIDICULOUSLY INCOMPETENT?!!

**literally** the worst credit card i have ever had in my life.

Dispute raised, retailer agreed to refund, Ikano block the card anyway.

Days and days of asking for call backs, none ever get answered.

Their call centre staff are utterly useless and cannot answer any questions whatsoever. They are likely a third party service provider. Neither complaints nor ‘security team’ can be spoken to under any circumstances.

Avoid them at all costs

I have had a few interest free loans with Ikano Bank and I can honestly recommend them to anyone. I have always paid my DD when it is due, currently I am just about finished my current loan for some furniture I bought, no hassle from the Ikano Bank throughout the loan period. Well done Ikano.🤗😂🤣👍

A bunch of crooks, cant give straight answers, confusing app and terms and conditions. do not use im reporting them

A terrible service.
I find it really hard to believe they’re still able to provide what is basically a SCAM.

This was a great way to pay for our furniture, no hassle and knew how much we owed as they kept us up to date every couple of months. Would recommend Ikano to anyone who wants to spread the cost.

AVOID HARD !
I love Ikea and have had some fantastic customer service over the years - so when I saw the instalment option on a credit card I brought forward my renovation plans and made a larger bulk purchase.
I spread the cost over a year on their plan at zero percent. Couple of hiccups sorting the direct debit out initially but got it resolved after making a complaint. There was no number listed in the app or chat function, so the only way I could speak to anyone was to raise a complaint. So that was resolved. THEN THE REAL PROBLEM STARTED! I made an additional purchase of about £270 in store, not on a payment plan. I returned some of that order before the payment was due so that was credited to the card... I then paid what I calculated to be the full statement balance including the deducted credit. The next month INTEREST APPEARS at £6.... again no one to call and ask, so I make a complaint. Basically I'm being told that I've been charged interest because they allocated the payment or part of it to the instalment balance at zero percent and not the separate statement balance. I told them that as far as I was concerns the FCA requires that over payments are taken from the highest interest balance first even with promotional rates... let alone this bespoke zero percent payment plan that they offered?!?! I complain again and have asked how much they want me to pay off so that I am no longer charged any interest and the payment plan can run ... and I got cut off again! They are now saying I had paid about 250 of a 270 statement balance (while also saying they have allocated it to the instalment balance) yet it generated over 6 quid of interest... MAKES zero sense to their published APR. So, If you want an instalment plan maybe consider this but NEVER use the card outside of it- it's daylight robbery and the statements are I think intentionally confusing.

Shit company.They never give you answer. Password method shit.System all the time gives failure.Applied couple times the credit card and loan.After application they in 15 minutes give answer. Same all application...
After 10 times applications IAM still waiting for someone calls me...

Regg

Very disappointing experience with IKEA Finance. My card application was approved, but I couldn't activate the card for two days because of a system error. After it was finally activated, every payment was declined despite multiple attempts. I contacted customer support several times, but after almost a week the issue still hasn't been resolved. A very frustrating experience and not the level of service I expected from IKEA.

Still waiting on one of your team contacting me about a complaint I raised it’s been absolutely shocking and stressful dealing with this and yet I’ve still not heard from yous about the issue that I’ve raised

Offered me £2300 which I thought could be paid off in 0% interest instalments, my purchase came to £2176. What I didn’t know is that the cut off point for instalments was £2000 so because I crossed that threshold I will have to pay the interest monthly, no wiggle room even if I paid the £176 straight away I couldn’t then turn that into instalments which seems petty, it’s a trap. Be careful.

I contacted Ikano because I kept receiving notifications that I had had a late payment fee, then it was refunded, I had missed one payment in December but instead of reapplying for the payment they had carried it over for 4 months which had impact on my credit score, on calling them I spoke to a Customer Care agent called Sarah who was beyond compare, her compassion, empathy and support was above and beyond any I have ever experienced, she is a credit to the company and I only wish more Customer Care representatives were like her.

Dealing with customer services was very easy only downside was that you are not contactable on weekends

Needed credit at the time in IKEA. Which was easy to apply for. But to pay off early you have to still pay of monthly. Which I thought is ileagal in the UK. If you try pay it off they just send the payment back to you. Which is really annoying and not consumer friendly. If you going to refubish the home at IKEA would be better to go down the credit card or loan route as they can't refuse early payments.

Awful.
Signed up like many others due to the deal with Ikea, however the apps do not work. Tried to verify purchase, app says it has gone through but then it doesn't. Try to add to PayPal but doesn't work that way either. Truly awful as a feature. Which is a real shame for Ikea as their old payment system was so easy! Will avoid anything to do with this company in the future; shame Ikea and others don't do the same!

Oh dear! Another dissatisfied customer for Ikano Bank. I took out the IKEA credit card as I read it that I got 56 days interest free to pay off the ikea furniture I bought. But I started incurring interest after 26 days from purchase. When I raised this with Ikano bank, it took two months to respond. In the meantime I incurred interest upon interest and they have refused to waiver this, despite the fact it has taken two months to get a response to my complaint. Customer service is appalling, I don’t understand how a bank can insist you pay the interest upon interest and advise this needs to b e paid otherwise this will affect my credit rating.

Why can they not be like any other credit card supplier?? The app is completely useless (was told i was using a new device but it's been on my phone for months!) you get emailled a statement so the customer has to do all the work and the payment date changes every month. To be honest wouldn't trust them with managing a Direct Debit so just pay as I go.

I have used dozens of banks, and this is by far the worst experience I have had. The app is terrible, the website is useless, and the customer service has been disappointing.

The only reason I opened this account was to use the interest-free instalments for IKEA. Otherwise, it offers no value to me. I plan to close my account as soon as the instalments are completed.