indi – Smart Banking Reviews

indi – Smart Banking Reviews

Published by on 2021-03-29

Whether you’re self-employed, a freelancer, an independent contractor, or
working a side gig, indi is designed for you. indi is an FDIC-insured account²
with a debit card³ and mobile banking app built for independent workers. Use
indi to bank smarter, save for taxes, and maximize expense...

Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue

indi – Smart Banking Reviews

  • By


    So after hours of phone calls I get a response saying they have no way of telling me where my money went all I asked for was where they blame the other bank which never received it I just want to know where the hell my $2000 went they give you generalized answers and no solving of the issue it’s been a week already with my money no where to be found the app does not give you the I formation needed to verify account and routing numbers of an ach transfer and apparently they can’t tell you where they sent it either smh so who is responsible for my money if no one has it but I initiated the transfer two out of four deposits went thru help Mindy Williams Amy’s spot llc

  • By

    Stay away...

    Virtually impossible to maintain detailed accounting. Not all transactions reflected in app (according to customer service). No real way to verify what they claim. Horrible customer service. Impossible to export transaction details and it takes months, along with several phone calls to gain access to statements plus a $2 fee per statement (their website states the first statement request is free- not the case). No cash back rewards. Absolutely not ideal for any business nor freelancer, especially when it comes to providing financial statements. The only feature indi has going for it is the debit card design. Try Novo instead.

  • By

    Do not get this card

    This is one of the most scammers app EVER!!! they’ll close your account even if you do have money on there I recommend nobody to use this card I’m not the first it was my brother my friend then me my brother had 8000 and they closed his account and it’s nothing we can do😩 DO NOT TAKE A CHANCE ITS A WARNING!!

  • By

    Account closure

    Stop closing our accounts

  • By


    Help me out review my indi account please

  • By


    Lock up my card numerous of times && after I verified with receipts every transaction,they still didn’t unlock my account!! sayin I need to hold up a indi sign like they the worse !!!

  • By

    Me párese una buena aplicación

    Tiene buenos métodos de uso

  • By

    Logging in

    I use my Face ID to log in and when I went to the app and used my Face ID it said too many attempts and I can’t log in for 30 minutes.

  • By


    I got 6$ deposited and they closed my account next day 😂😂😂😂

  • By

    Lackadaisical approach to granting access to my own funds...

    I’ve only had my card for 5 days and was pretty frustrated with Indi before it arrived. (Been waiting to receive a card for a month)I funded my account on a MONDAY but could not access my funds until Saturday when my card arrived. Then after trying to order furniture for my new home, my card was declined. The salesperson suggested calling Indi and asking them to increase my spending limit just to allow this transaction. I remembered having to do this with Bank of America and Wells Fargo in the past while making a purchase at the Apple Store. This was not an issue at all. But, Indi refused. Since I am making my purchase online because of COVID19 there is no option to split the payments over a few days or between a few cards. Which left me with not being able to make a purchase at all because buying the items individually would not afford me the package discount. The next day, the furniture I chose was sold out. So I’m extremely annoyed that Indi would not increased the amount I’m allowed to spend of MY OWN FUNDS and has yet again denied me access to MY OWN FUNDS. Their daily debit card spending limit of $2,500 does not seem practical considering this is supposedly a BUSINESS ACCOUNT and we have several expenses monthly that are over the spending limit. When I stated this to the Indi Representative and gave an example that questioned how I would even be able to pay rent considering I live in California and pay over $4,000 per month. No solution was offered. He only kept repeating that the daily limit was $2,500. I couldn’t believe there was no attempt to even suggest an alternative or even an attempt made to see if it was even possible to make exceptions for the daily spending limit based on certain circumstances. Needless to say...I will be switching banks ASAP!!!

  • By

    ***UPDATE****Hands down THE Worst App & Business Account

    ****UPDATE #2*** From 9pm to 1:30am I waited in hold on three different phones (that were hung up around 2 hours and 45 minutes of waiting respectively) only to find that my account was frozen due to an order for furniture that I placed was canceled because the items were out of stock so the merchant issued a refund back to my account. Indi/PNC Bank’s system wanted the refund matched up with the original transaction...which was done while I was on hold again....the process from when the representative answered until the end of the call took less than 5 minutes....yet I was on hold for over 5 and a half hours!!! All because someone wanted to give back $2,000 of my money. They froze my entire account because of this. No warning...leaving me stranded if I had had no cash to buy food or gas. And all I receive is a weak rehearsed emotionless apology. I could understand if someone was trying to take $2,000...but no it was a freaking REFUND so they flagged it for security verification...made me wait 5 and a half hours for a security representative to remove the security freeze in less than 5 minutes. Freaking ridiculous!!! Just avoid Indi/PNC Bank. Hell at this point I’m almost willing to pay people $5 NOT TO JOIN!!! Geeeeezzzzzssss... ***UPDATE*** I have now been on hold for 2 hours, 43 minutes and 32 seconds waiting for a representative from the Indi/PNC Bank security department to verify me and unfreeze my card. RIDICULOUS!!! I’m also on hold on two other phones just to see which is answered first. The second phone I’ve waited 1 hour and 56 minutes. The third phone 22 minutes and chose the option of reporting my card lost to see if they answered faster. I’ve had nothing but issue after issue with Indi/PNC. As I type this I am on hold for the third time in the last two hours waiting for security review to unfreeze my card...that I haven’t even used for the past two days. I’ve been in hold this time so far for 30 mins and been transferred twice (once to some department that isn’t even part of PNC/Indi somehow). It’s a good thing I’m not stuck at a gas station. Since I discovered that Indi/PNC would act as “Mom & Dad” determining how much of my OWN money I am able to spend from my BUSINESS account daily, I’ve been trying to slowly withdraw and move my money back to Bank of America....where there is no daily spending limit. Every other day my card is now being froze and I have to go through this 2-3 hour period of verification for my card to become I frozen. Which by this time it’s too late for me to withdraw from the ATM before the next day. In short this banking experience has been horrible. By far the worst bank I’ve ever dealt with. They have a nonchalant attitude towards assisting their customers and simply just say “no”. They have made claims that a supervisor would contact me regarding my concerns on several occasions, yet no one has ever called. They refuse to increase the daily spending limit of $2,500. They refuse to increase the daily wire transfer amount of $1,000. They refuse to increase the ATM withdrawal amount of $500. BUT!!!! When it came down to funding my account they had NO OBJECTION to accepting my transfer of $44,000 when their limit is normally $10,000. They have no issue bending the rules when it’s in their favor. But when I found all of this out and asked about closing out my account, they told me that they could close it and mail me a check for the balance remaining in my account and this whole process would take approximately 30 DAYS!!!! 30 days without any access to the portion of my business funds that they have. So I’m canceled all of my wires from my other bank and not depositing any additional funds. But now I am being punished apparently by Indi/PNC as they freeze my account every other day preventing me from transferring and/or withdrawing and/or making any purchases. I’m certain this is breaking few rules and as soon as I’m off of this now 40 mins phone call I will be filing a complaint with the BBB, FTC and all other governing authorities. Trust me no exaggerations. Feel free to contact me and I will provide detailed evidence of my experience with Indi/PNC. Sadly, I have only had this account since May 16, 2020 and didn’t receive my debit card until June 19, 2020. But it has felt like a lifetime of irritation. 45 mins on hold after being on hold twice before this same very night for over 20 mins each time. Trust me...just don’t sign up for this torture. Avoid Indi Bank/PNC Bank and save yourself the worst banking experience ever imagined.

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Is indi – Smart Banking Safe?

No. indi – Smart Banking does not seem very safe to us. This is based on our NLP (Natural language processing) analysis of over 249 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.3/5 . Justuseapp Safety Score for indi – Smart Banking Is 14.8/100.

Is indi – Smart Banking Legit?

No. indi – Smart Banking does not seem legit based on our analysis. This conclusion was arrived at by running over 249 indi – Smart Banking User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for indi – Smart Banking Is 14.8/100.

Is indi – Smart Banking not working?

indi – Smart Banking works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.

Have a Problem with indi – Smart Banking? Report Issue

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Why should I report an Issue with indi – Smart Banking?

  1. Pulling issues faced by users like you is a good way to draw attention of indi – Smart Banking to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a indi – Smart Banking customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using indi – Smart Banking.

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