Unacceptable Surprise Fees and Terrible Service
I'm writing this review to express my extreme dissatisfaction with Viva. While I initially appreciated their no-monthly-fee structure, my experience has been very bad.
Thursday night, and I received an email informing me of a critical account update. Shockingly, effective the following Monday (one business day later!), my current IBAN for receiving payments would be deactivated. There was no prior communication about this significant change, leaving me completely unprepared.
To maintain an IBAN for client payments, I'm now forced to pay a hefty €10 monthly fee. This is on top of the existing transaction fees they already charge. Additionally, basic customer support comes at an outrageous €5 per month! Without this fee, I'm relegated to unhelpful automated responses from a bot.
Upset by these unexpected changes, I attempted to move my money to another bank. However, their system inexplicably went down, offering only a generic "try again later" message. After verifying everything was in order on my end, I contacted customer support for assistance. Fourteen hours later, I've received no response.
I strongly advise against using Viva. Traditional banks with human customer support offer far better service and transparency. If you have significant wealth and enjoy a gamble, or are inexplicably locked into using Viva, proceed with extreme caution. Remember, if something seems too good to be true, it is because it probably isn't (good or true).
June 27, 2024
Unprompted review