Hanseatic Bank Reviews 

Very good
Very good
Very good

It gives me only errors when I try to apply , THANKS 🤝

super service and very fast

Hanseatic Bank ist die Best

I have tried to apply for a credit card with this bank and submitted my application. It was rejected and when I contacted the bank, they told me that I have made 5 different applications and, thus, all of them were rejected. This is an error and I do not know how that happened but essentially now, because they messed up something in their system, I cannot apply. Moreover, the operator was rude and clearly was not interested in helping me.

I am a DKB customer and since they no longer provide a free credit card for their existing customers I decided to apply for the Genialcard.

While "Wise" and a few years ago "N26" and the other year the UK government (online registration of a company in the UK and related money laundering check) were just asking for a photo of your ID card and a selfie, Hanseatic Bank decides to also use a videocall system for verification, using as a partner called WebID, a company with a poor technical product, with a low level of UX Design, with a 4.1 star rating in the playstore and a plethora of negative comments.

Hanseatic Bank completely disregards the customer, failing to accurately explain the various verification steps to obtain the card (no, these are not the three steps displayed online).

Once the WebID mobile app is downloaded, it prompts you to submit a photo of your ID card and a selfie, at which point the app processes the identification and confirms it, after which, no other information appears on the screen and at this point, I close and delete the app thinking it is no longer needed.

Days pass, but neither Hanseatic Bank nor WebID sends any email, neither confirming nor even reminding the user that, as I found out later on my own, the process is not complete.
CX and Service Design absent, bravo.

I install WebID again which this time asks me to enter the contract code, but unfortunately I find out that the app has a glitch, the audio does not work and yes, the app, not my phone, indeed WebID according to another user reviews, for example does not works with devices using Bluetooth connection for their earphones.

I run a diagnostic on my Nokia 7.1 and the "audio/receiver" are completely fine, video calls work with Google Hangout, Messenger, Whatsapp, Telegram, Zoom and Teamview in fact it is a freaking problem with the WebID app.
During videocall WebID agents don't hear my voice, because live doesn't work with WebID.
If I plug in the earphones instead, the agents hear my voice but, but when they talk they hear their voice back in their earphones.

Of course, for five minutes the WebID agents might be able to hold out, since they don't have to talk as much, but no, the call is terminated sometimes without even saying anything.

I do not have a laptop but a desktop pc which has not camera and as end-user I do not have any obligation in buying a laptop or a tablet, indeed this is Hanseatic Service Design and CX that are failing as well as the Product Manager and the Design team of WebID if they have one.

As a matter of fact, all the reviews on the playstore about how rude WebID's customer support are completely true, and no wonder considering that on Glassdoor the company has a rating of 3.5 and employees are treated this way:

"Typische Ausbeutung von Mitarbeitern, welche stetig ausgewechselt werden.
Ständige Überwachung, man hat auf seinem Platz sitzen zu bleiben, ansonsten wird die Arbeitszeit gekürzt, man ist nur eine Nummer, Statistik bzw Quote ist alles was zählt. Undankbarer Arbeitgeber! Sonderzeit von 15 Min für Toilettengänge oder andere Bedürfnisse ist ein Witz!"

Again, kudos to Hanseatic Bank management who were too busy checking the tie knot to choose a quality partner, from a human perspective as well.

I contacted Hanseatic Bank via email a first time, then after two days without answer. I have a flight in Nov 5 and the need to rent a car at destination, time was ticking for me so I sent a second email.
They replied telling me that they will send me the documents by post.

Here it is by post, in 2022.... in 2022 you send the documents by post, while DKB which has a backdated mobile app, sends you an email with a PDF, same thing "N26", and "Wise".

Of course I looked for other cards since I have little time now before the trip, but the other two credit cards I found, awa7 and Germany Visa, surprise, belong to Hanseatic Bank, so same process impossible with WebID and their obscene support.

***Update: 28.10.2022***

WebID, in response to technical problem, has been lacking, copy/paste template and not ticket to investigate the tech problem.

Yesterday I managed to complete the videocall, and apparently it may be that WebID requires the mobile to be connected with the Data Network (your mobile operator) instead of your WiFi.

However, while my ID card is valid, during the process, turned out that they want a passport.
Who inform in advance the user? Not Genialcard which lack a FAQ page (heuristic mistake) but curiously AWA7 has a FAQ page where you can read that your type of ID card was actually supposed to be accepted by WebID... Luckly, I have a passport too.

Finally, instead of saying "few days" be clear and say the card will arrive within 10 days, another heuristic mistake. Now, I may not be at home anymore as I departure in Nov 5, but the process started in Oct 19.

Smooth and fast service. Everything explained very well with supportive feedback.

Alles gut Funktioniert 👍👍

The Hanseatic Bank is extremely fast activating all the processes to get a credit card. The identification was smoothly, validations were efficient, however is not yet connecting with APP, so I don’t have yet access.
Ideally would be excellent to have all the information on the APP, website and phone assistance in English.
For the expats in Germany (still learning German) it is very difficult to be your future customer.
Would appreciate that you consider to have the English assistance and APP and website in English.
Thank you very much.
Best Regards,
Maria Dias

das beste unter anderen. und ich empfehle sie👍🏾

Very efficient service. Thank you.

Update: I forgot to mention that I already had credit cards approved and valid with other banks (comdirect and DKB), which invalidates the mentioned claims about creditworthiness 😊

I applied multiple times for the Genial Card, got rejected the first few applications coz of a claimed “technical error”.

Later on I received an approved contract to make the post identification, while was already contacting the customer service to inquire for the reasons for the previous rejections. They couldn’t explain why the system “automatically” rejected the applications, and mentioned that even the new approved one is also rejected so if I made the post identification it will still be useless! Although my SCHUFA score and all the info they got was confirmed to qualify for the credit card (permanent residence, permanent employment contract in Engineering domain, .. etc).

I enquired about the reason of rejection via e-mail as the customer service advised, just to receive a letter few days later that the reason of rejection is derived from Schufa and that I can contract meineSchufa for details, which is a total false claim as I’ve already checked my SCHUFA and it’s perfectly fine and the customer service of the bank already approved this fact earlier.

So the only certain reason, as others already pointed out is the fact that I’m a non EU national, which is very racist and sad from a financial institution claiming to be international!

Applied for the gold card. I am a UK citizen, lived here for 2 years, have a permanent contract with work, am pretty highly paid. Was told application was successful but needed to do postident at post office and send in signed contract.

Did postident and sent in contract. Heard nothing but kept getting emails requesting I do the postident and send in the contract. Contacted them and was told the ID approval had gone through but not the contract. Sent the contract again. Then I get an email after about 3 weeks requesting a front and back side of my visa. Fine, I send photos of the front and back of my aufenhaltstitel which shows I can legally reside here under article 50 for the next 9.5 years.

Within 12 hours of sending off copies of my visa I get an email saying my application has been rejected and the reasons why will be outlined in a letter. Letter is completely meaningless and explains nothing further. I can only assume they are not interested in having non-citizens as customers (or perhaps are not familiar with an article 50 aufenhaltstitel). I would be fine with being rejected by a bank at the application stage if they are not interested in non-citizens, but I am extremely annoyed if my time is wasted over several weeks before being rejected, especially given I was very clear about my British citizenship on the application.

I have been with Amex for years in the UK but thought it might be easier to get a mastercard here since Amex isn't accepted as widely here. I guess though I will go back to Amex as at least the application process is much more transparent and straight-forward and customer service is better there even if card usage is more limited.

Alles Top incl. Apple Pay - weiter so.

Poor web app design. You have no chance to go back and correct things. Very problematic for a financial institution.