indi – Smart Banking Reviews

I’m not very happy right now. Yesterday my account was Wiped out. Today I’m still broke. I can’t take care of other bills, medical needs, etc. this app can’t tell me squat and say I have to wait Ten days at a min. That’s fine with me but who will tell my landlords, my body/medications ratio, my credit agencies/ oh and my families stomachs? Shall I let the kids know they won’t be eating for 10 ten days minimum… or do you guys do that? And please do not respond to this as if you’re going to help and so everyone can see it. I’ve already asked you. And. Have not been given a rational answer
You just canceled a card that Wasn’t missing or stolenz some apparently Made one of their cards! And they can not tell the difference??? Omg is just insane sounding !!!!!! A simple uuid could fix that. !

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 indi 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

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 this app has going for it is the debit card design.

Try Novo instead.

this app proceeded to close my account due to a direct deposit and claimed it suspicious activity? I had never used my card and never received money on it. Then I was asked to provide proof of identification. Even though I suspected it to be some type of scam I uploaded my Identification and still no progress and no clear reason why my account had unusual activity. I spoke with Bridgette in customer service who looked at my account and said there’s no reason for it to be closed. For a 1,200 direct deposit? It’s my unemployment for crying out loud. Terrible service, terrible bank. 0-10 I would never recommend.

The only thing that makes it a little hard for me to use and work with is that the transaction history are not showing up in real time. I do understand that it’s a fairly new app, and being an artist i have a convenient way to access my hard-earned money. Keep it up!!

As the title says, don’t bank with them. A friend recommended them to me and I liked them because they’re made for independent workers, but literally the first week after I got the card, I deposited some money and my account was closed. Had to wait almost a MONTH to get it back in a form of check and I needed to pay bills so bad. I had to literally get in debit. PLEASE DO NOT USE THIS BANK.

I’ve been trying to install and set up an account but it’s not working fix your app please

I got my account close with no reason and I called but all they could tell me is they can’t do anything about it that it’s a permanent closure 🤦🏼‍♀️

Nothing to complain about. works well with zelle and Apple pay! no issues here!

Worst bank ever I ordered my card for the past 4 weeks now and I didn’t get it I called them they told me I should wait for some time I waited and still didn’t get the card now they said they’ll cancel it and send another if this doesn’t work then I’ll rate it as the worst bank ever

I just got the card and got some money deposited and my debit card keeps declining when I have money in my account and I want know why it’s very embarrassing and frustrating. I need my money and I’m not getting no answer why I can’t get my money or use my 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!!

Pls unlock my account so I can take out my funds

Stop closing our accounts

I love this bank

Great product for me as a nurse working as a 1099 employee, I love how it helps me plan for paying my taxes!

Help me out review my this app account please

When u try to sign up when u get to the email it wont pass there just get stuck

I logged in to see my balance and my nothing is showing up i cant see my balance or anything please fix

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 this app sign like they the worse !!!

Tiene buenos métodos de uso

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

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

I’ve only had my card for 5 days and was pretty frustrated with this app 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 this app 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, this app 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 this app 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 this app 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!!!

****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. this app/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 this app/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 this app/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 this app/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/this app somehow). It’s a good thing I’m not stuck at a gas station. Since I discovered that this app/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 this app/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 this app/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 this app Bank/PNC Bank and save yourself the worst banking experience ever imagined.