Banking & Payment Apps: what users complain about
Each page is a problem many people hit with a product they already use — a pain point, not a startup idea on its own. Ranked by score; pages that are ideas carry their own label.
Agribank PlusFrequent maintenance blocks transactions and incoming transfers arrive late
The Agribank Plus app is plagued by frequent and persistent technical issues, leading to transaction failures and significant user frustration. Customers report a lack of responsiveness from the bank in addressing these problems, resulting in a negative overall experience.
Techcombank MobileFrequent Errors and Slow Access
Users are experiencing significant frustration with the app due to frequent loading errors and slow access, which disrupts their ability to complete transactions. Many report that the app is stuck in a loading loop, making it increasingly difficult to use when needed.
Banking: Login and Authentication Failures
Users are experiencing difficulties accessing and using online banking services due to authentication issues and system errors, resulting in an inability to perform important transactions. They frequently encounter problems such as forgotten passwords, not receiving OTP codes, and complex authentication requests, leading to inconvenience and frustration.
Banking: Ongoing and Unstable Payment Errors
Users are experiencing frequent and frustrating issues with their banking app, including transaction errors, unexpected fees, and poor customer support. These problems lead to significant inconvenience and dissatisfaction, prompting users to consider switching banks.
VCB DigibankFrequent Banking App Errors
Users consistently face critical errors with the banking app, particularly during important transactions like money transfers. These issues include slow response times, login failures, and frequent crashes, leading to significant frustration.
Rocket Money - Bills & BudgetsFrustration with Subscription Management Features
Users are frustrated with the app's inability to effectively manage subscriptions, particularly the lack of a straightforward cancellation process. Many have found themselves having to manually track and cancel subscriptions, contrary to the advertised features of the app.
Banking: Lack of Clear and Timely Notifications
Users are facing significant issues with not receiving important notifications related to financial transactions, resulting in funds being inaccessible. At the same time, they are also dealing with the annoyance of unwanted advertising notifications, with no ability to turn them off or remove them, which detracts from their overall banking app experience.
BIDV SmartBankingNotification Badges Won't Clear and App Crashes on Launch
The shared underlying problem is that users of the BIDV SmartBanking app experience persistent notification issues, where the app indicates there are unread notifications despite there being none. This leads to frustration and dissatisfaction, as users feel misled by the app's notification system.
Banks: Poor customer support, no one answers the phone
Customers are experiencing significant difficulties in receiving timely and effective support from their banks, with issues ranging from unresponsive customer service to inadequate assistance for app-related problems. This lack of support leads to frustration and dissatisfaction, as customers are often left without solutions or proper guidance.
Banking: Failed Update Version
Users are experiencing significant issues with app updates, including failure to display update buttons, app crashes upon launching after updates, and persistent error messages that hinder access to banking services. These problems reflect a lack of effective testing and communication from the banks, leading to frustration and dissatisfaction among customers.
VNPT MoneyPayments: Transaction Errors and Delayed Refunds
Users experience transaction errors and delayed refunds when using payment apps. These issues include money being deducted without being credited, slow refund processes, and lack of support from customer service.
Banking: Excessive Advertising Frustrates Customers
Users are frustrated by excessive and intrusive advertising in fintech applications, which disrupt their experience and hinder essential functions like money transfers. The prevalence of spam messages and pop-up ads contributes to a negative perception of banking apps, leading to dissatisfaction among customers.
Payment: Poor and Delayed Customer Support
Customers are experiencing significant frustration due to inadequate and slow customer support services, with limited channels for assistance and unresponsive communication. This has led to unresolved issues, transaction failures, and a general lack of effective problem resolution, resulting in a poor overall user experience.
ACB ONEFrequent Crashes in Banking App
The problem is that the app experiences frequent crashes and persistent errors, making it difficult for users to complete transactions and navigate the interface. This results in a frustrating user experience, with many users expressing dissatisfaction and labeling the app as poorly designed and unreliable.
VNPT MoneyPayment: Continuous update requirements are a hassle
Frequent and mandatory updates of the application are causing significant inconvenience for users, disrupting their ability to access the app when needed. This persistent requirement for updates not only wastes users' time but also leads to frustration, especially during urgent situations.
Agribank PlusAgribank Plus App Usability Issues
Users are experiencing significant frustrations with the Agribank Plus app, citing issues such as frequent errors during money transfers and cumbersome password reset processes that require in-person visits to the bank. Additionally, the app's design and functionality are criticized as inadequate, leading to a poor user experience overall.
Payment: Unsuccessful Bank Connections
Users are experiencing significant frustration with the inability to successfully link their bank accounts to various payment apps, often encountering persistent errors and lack of support. This issue is compounded by misleading information regarding available bank connections and inadequate app functionality, leading to a poor user experience.
ACB ONEUnblock Developer Mode for Banking App
Users are experiencing significant inconvenience with the ACB ONE app due to its restriction on devices with Developer Mode enabled, which prevents them from using the app effectively. This issue is particularly frustrating for IT professionals and developers who rely on the app for banking transactions, as they are forced to reset their devices after each use.
BIDV Smart OTPChallenges with Money Transfer Application
Users find the BIDV Smart OTP application overly complicated and frustrating, leading to difficulties in performing basic transactions like transferring money. Many users express dissatisfaction with frequent errors and a lack of clear guidance, resulting in a negative experience that may drive them to consider switching to other banks.
Agribank transfer failure where funds are not received
Customers encounter transaction errors when transferring money via Agribank, where the system reports the transfer as successful but the recipient does not receive the funds. They need to know how to handle this error situation when it occurs.
VNPT MoneyFrequent Payment Errors
Frequent payment errors occur when users attempt to make transactions through various apps, leading to frustration and unresolved issues. Inadequate customer support fails to effectively address these problems, leaving users dissatisfied and unable to complete their payments.
VNPAY MerchantChallenges in VNPAY Merchant Registration
Users are facing significant challenges when trying to register for the VNPAY Merchant app, as the registration process is convoluted and often leads to dead ends. Many report being unable to access the registration form, encountering repeated redirects, and facing errors that prevent account creation.
Payment: Frequent login & authentication errors
Users face significant challenges with the login and authentication processes, which are often complicated, error-prone, and lacking essential features like account registration and password recovery. This results in frustration and a negative user experience, leading to difficulties in accessing services and managing accounts effectively.
ACB SafeKeyInefficient Banking App
The app experiences significant usability issues, leading to frustration among users. Many find it ineffective and cumbersome, often requiring them to visit physical locations for services that should be accessible online.
EveryDollar: Budget ManagementManual entry duplication in transaction tracking
Users experience frustration with transaction management due to issues like missing transactions, data loss upon logging back in, and difficulties linking bank accounts. Additionally, manual entries lead to discrepancies and duplication, complicating budget tracking and financial accuracy.
Frequent Transaction Errors in Money Transfers
Users are experiencing frequent transaction errors and difficulties when attempting to transfer money using the Agribank platform. Common issues include the absence of transaction verification methods, failure to display recipient details, and delays in processing transfers, leading to frustration among customers.
Rocket Money - Bills & BudgetsUnexpected Charges and Subscription Issues
Users are experiencing unauthorized charges and subscriptions with Rocket Money, leading to frustration and distrust. Many report being charged for services they did not sign up for or being billed without prior notification.
Banking: Overly Complex and Confusing User Guides
The problem is the excessive complexity and confusion surrounding the use of fintech banking applications and services. Users are frustrated by complicated processes, unclear instructions, and additional costs associated with transactions and troubleshooting.
Rocket Money - Bills & BudgetsFrustration with Subscription Management Services
Users are experiencing significant frustration with Rocket Money due to its inability to effectively manage subscriptions and financial services as advertised. Many customers feel that the platform is not only unhelpful but also costly, leading to dissatisfaction and a lack of support when issues arise.
Rocket Money - Bills & BudgetsFrustration with Rocket Money Ads
Users express frustration with Rocket Money's advertising, describing it as misleading and annoying, which detracts from their overall experience with the app. Despite some acknowledging the app's functionality, the negative perception of its ads significantly impacts user sentiment.
TPBank MobileInaccessible Bank Accounts
Users are experiencing significant issues with accessing their accounts and utilizing financial services, leading to frustration and inability to complete transactions. Common problems include application lag, errors in account creation, and frequent system failures during critical tasks like payments and money transfers.
Banking: VNeID linking and app integration failures
Users experience persistent technical failures, system errors, and forced branch visits when attempting to link banking apps with national identification systems (VNeID) or third-party services. Additionally, outdated app versions and integration glitches prevent customers from completing basic digital transactions and account setups smoothly.
Rocket Money - Bills & BudgetsFails to detect actual recurring subscriptions
Consumers experience inaccurate tracking when apps fail to list several monthly subscription bills and incorrectly project charge dates. Additionally, users find the service unhelpful when it does not successfully track and cancel subscriptions as advertised in commercials.
Agribank PlusMandatory minimum balance and multiple monthly fees
Users are experiencing significant frustration with a fintech app due to issues such as inability to transfer funds, lack of transparency, and excessive fees. These problems contribute to a perception of the app as unreliable and poorly designed, leading to dissatisfaction among customers.
ACB ONECanceling Bank Cards Due to Poor App Performance
Users are experiencing significant frustration with their banking app, which frequently malfunctions and fails to provide necessary notifications for transactions. This has led many to consider canceling their accounts due to the poor service and reliability issues.
ACB ONELogin fails with correct credentials
Users experience persistent login failures and infinite loading screens on the fintech application. These technical barriers prevent them from accessing their accounts to complete essential financial transactions and transfers.
Rocket Money - Bills & BudgetsRocket Money Unauthorized Charges
Users are experiencing unauthorized charges and reoccurring payments from the Rocket Money app even after uninstalling it or ending their subscriptions. This has led to claims of theft and dissatisfaction among users regarding the app's billing practices.
BIDV SmartBankingUnexpected account and SMS fee deductions
BIDV SmartBanking faces significant issues with poor service quality and customer support, leading to dissatisfaction among users. The platform is criticized for its unreliable functionality, difficult interface, and inadequate product offerings.
ACB ONEUnexplained Automatic Deductions
Customers are experiencing unauthorized and unclear deductions from their accounts, often without prior notification or explanation. Despite reaching out for assistance, they find the responses inadequate and the issues persist, leading to frustration over perceived mismanagement and high fees.
VCB DigibankApp crashes immediately upon opening
There is a recurring issue with the VCB Digibank app crashing on the iPhone 18 Pro Max, often within 10 seconds of use. Users are expressing frustration over the lack of fixes for this persistent problem, which has been reported since the beta version.
Agribank PlusApp crashes immediately upon opening
Users are experiencing login issues with the Agribank Plus app specifically on the iPhone 18 Pro Max. The app fails to function properly, causing users to be repeatedly logged out or unable to access it altogether.
Rocket Money - Bills & BudgetsSpam and Scam Concerns with Apps
Users are frustrated with excessive spam and unsolicited communications following their engagement with the app. Additionally, there are concerns about the app's effectiveness and trustworthiness, leading to perceptions of it as a potential scam.
Tips for Starting with YNAB Budget App
Users of the YNAB Budget App often encounter challenges and frustrations when starting to use the platform. Many wish they had prior knowledge or guidance to navigate the app more effectively from the beginning.
Rocket Money - Bills & BudgetsBudgeting app for ADHD users
Users struggle with managing their spending effectively, particularly those with ADHD, leading to dissatisfaction with financial management apps that fail to deliver value. This results in a reluctance to continue investing in these tools, as they often feel confusing and not worth the cost.
Square Invoices: Invoice MakerPayment processing errors and lost funds
Customers are experiencing issues with payments being misallocated, leading to financial losses and frustration. This mismanagement results in delayed access to funds and unexpected fees, compounding the problem for users.
EveryDollar: Budget ManagementAwful Updates for Budget Management Tools
The most recent update has rendered the platform unusable and has been widely criticized as terrible and buggy. Users are expressing frustration and disappointment with the quality of the updates.
Gusto MobileImproved Payment System for Gusto Mobile
Users are experiencing significant dissatisfaction with Gusto Mobile due to poor service and an ineffective app system. Many express frustration over delayed payments, which they believe could be resolved easily by the company.
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Top score in this category: 49.5.