Arro 

Bloody crap bank they have blocked me from accessing my account since 2018 early and this still has £1407.65 which they claim to have sent back but funny no where to be found!!! Absolute crap don't reply to any of my emails !!! i just want to get my money and they can have there bloody account !!

I have never experienced such poor communication and service EVER! I cannot begin to explain how poor the communication is with this service. They closed my account. The account has been no activity for 6 months when that was activity merely 3 months ago. I called up the costumer service line- they are unable to contact with reviews team .they emailed me ,you account has been closed and you money have been returned.amount £2200.still I didn’t get my money back.now I’m thinking they are fraud.

Worst internet banking ever. You don't get any benefit. They won't speak to you an the phone- email only. You will get constant review and restrictions on your account, for no apparent reasons. It does take up to 15 working days to refund monies back to your original source of payments. They think their special but they need to learn from Monzo. They closed my account today because I have asked them for an explanation of reviewing my account- for past 3 weeks. Don't waste time with them and stick to N26 and Monzo's alike.

I have never experienced such poor communication and service EVER! I cannot begin to explain how poor the communication is with this service. They closed my account stating that there has been no activity for 6 months when the t was activity merely 3 months ago. I called up the costumer service line- absolutely useless. I don't to their supposed costumer relation manager- a seemingly inexperienced rude inpatient staff named Aron. Each time I called them all I was told was to email compliance team- for over a month, my account was blocked and despite sending proof of my ID my matter was never resolved until they finally closed my account on a basis of a lie that I haven't used my account for 6 months. Now I need my statement for tax purposes and that is seeming long winded and impossible.
Basically, this is the most horrendous b service I've ever used for my banking. Wouldn't recommend it to even a dog. Seriously disgusted by how my matter was treated.

I have had no problems with them until today ive come out of hospital as im severly disabled to find my online account blocked ive even deleted the account an got it back again to no avail my account was temporarely suspended as the week before id used the card to pay busfare something went wrong so i owe arro 4 pounds an 40 pence ud think ive rang them an emailed them to explain whats happened im panicking so much because ive got bills to pay and not sure if ill get my money tomoz im on benefits because of my disabilitys the more ive read peoples reviews it making me so scared once ive got my money back i will leave this company an look for a better one the anguish an stress this is causing ive just come out of hospital an have spent all day dealing with this

I had an issue on Friday afternoon with my account being placed under review and I got into a panic as my wages had been paid in and I needed them for the weekend. I rang and sent an email and was advised why the account was under review - I had used the account to top up my Bet365 account which rang alarm bells as it is against their terms of service to use the account solely for gambling purposes. My own stupid fault.

I emailed them to explain that I use the account for a variety of reasons (rent, bills etc) and within 90 minutes of the account being placed under review it was reinstated and all was good.

I have to say, I was panicking at the time but the speed of response and service was excellent.

Love my experience with Arro, they restricted my accountt one day as I used a lot of money to pay my bills, but they responded quickly to my issues via email and I’m happy to bank with them!

Made this account a day ago, my girlfriend deposited £10 into my account as a test payment now Arro are wanting to know what it’s for and have blocked my account card etc. I have wages due to be paid into this account too and they won’t unblock! Joke of a ‘bank’

ARRO IS NOT AS BAD AS PAINTED:
I am surprised at the scale of negative reviews am reading judging from my experience. Of all the fintech companies around that I do business with they have the best security / encryption ring fence around our money and it will be near impossible for any intruder to take money out of Arro customers account except the owner is overly careless. Again my account with them has been running fine with no issues so far. Arro from my experience is a good upstart company that needs our encouragement and support, therefore why not give them a chance rather than outright condemnation. I know there might be teething problems but we shouldn't lose sight of their good side. I my not be in d know of individual cases and why they took some decisions, but I will offer general advise to the company based on reviews I ve read. Arro should try to attend and conclude privately any problem with customers asap before it gets to public. Impression matters a lot for any service company so u need to manage public views with utmost care, it can make or mar a good company. It will be better Arro has a way of engaging dissatisfied customers privately until resolution is arrived at, than being too fixated with laws rules which I know most customers dislike. Therefore it will be helpful to quote and apply the rules & laws with some element of human face, few rival fintech companies use that approach still they did not compromise on service quality or integrity test. I will be glad if my fellow customers will be a bit patient with this company because they have something good in the industry

Only been apart of this company for less than 2 weeks and already off to a terrible start. Soon as MY money entered my account is was 'under review'. They asked for 2 pictures one of me holding my ID with my face and then a second with just the front of my ID, I did this straight away with my driver licence which I used to sign up with.

After this nothing happened so I sent an E-Mail to the team about wanting my funds back and that I will be looking to leave Arro. This unblocked my account so I could see my transaction, I made 1 payment out the account to help a friend with his business and was looking to withdraw the rest.

Upon wanting to send the money to my main account I was constantly coming across the error code '1112'. I would put all the correct details in sort code and account number even entered the number they send via text message to ensure your doing it correctly.

I E-Mailed back and they said 'Try a different account'. I've then tried several accounts. Parents, Friends and My Family ALL of which were UNSUCCESSFUL.

Straight after this my account is currently under review AGAIN and now don't have access to my money again. I've E-Mail the support team again and again and nothing. They keep sending the same generated E-Mail. Wait for someone to speak to you from this team or wait for a E-Mail.

Please avoid this company at all costs!
I've lost over £370 which is supposed to be for my sons guitar lessons and an end of SATs treat. Arro don't care about its customers only the money in the account.

I will be taking matters further.

Please don't comment on this review ARRO as I've read through all the reviews and don't want the same automated message on here so that it looks like your going to do something about it but not.

ARRO MONEY SCAM. PLEASE STAY AWAY FROM IT AT ALL COST. These Arro bandits suspended my account since October 10, 2018 and till date they are still keeping my GBP 1770. I need my money returned as this has taken way too long than expected. This is pure madness and wickedness of the 1st order.

Poor and intrusive. Arro bank have frozen my account and card until I explain my last three transactions. I have never heard of a high street bank doing something like this. Avoid

Ive been using y Arro for a while now. I dont have any issues with it. So I’m confused why people say they get their card suspended? All my money goes in there, student finance and wages. No issue at all, sometimes the transfer to money to someone can take a while but that’s not a problem. Any issues I had , Arro have been more than helpful. Always received my money on time & I feel safe to bank with them. The card is good, and since I had it from last year everything has been great since.

A week ago I would have given a decent review until my account was suspended for being overdrawn for under a fiver. I was only sent one reminder and when I address the issue and sent money to the account they asked me for further info regarding the source of my credit into the account which is £2000. I supplied proof of where the money came from and a screen shot of my passport. The very same, they used to open the account! Now in the past 2-3 days they have totally ignored me! Not answered any of my questions or emails but think it's acceptable to hold on to my money despite - finally instructing them to close my account.

Unfortunately quoting FCA regulations doesn't mean you follow them. I don't think this bank is financially sound - I'm sure if it was £200 or £20 would not be placing this review!

My real concern is what are they doing with their clients money! Just a word of warning if you insist on using this banking outfit please keep your balance to a minimum!!

Whoever reads this please keep an eye out as I will supply more factual information about these people - I don’t believe they have their account holders best interest at heart.

Gonna have to go the legal route!! these are the guys (Below) that are behind this financial startup -read the other reviews for yourself.

Alan Wilson
Co-Founder and Director

Mahmood Kamran
Co-Founder and Director

Jonathan Farnell
Co-Founder and Director

Asim Muhammad
Co-Founder and Director

Response to Arro 17.36 4th April 2019

Again you have not responded to my last 2 emails and therefore not following FCA protocol. Unless you are requesting me to make a formal complaint!!

Further to response to customers activities if a bank has an issue with a particular customer account any payments are automatically returned it to source until the account issues have been addressed.

In this case like so many others it appears you just sit on account holders money that doesn't belong to you - sitting behind the same statement of FCA regulations and terms and conditions!

Being in touch means responding to your customer! Not sure if you communicate with your team....

Signed up to Arro the other day. Registration was quick, simple and easy and my card arrived hassle free. Customer support was also really helpful. Have no complaints. :)

Great service! Very fast support! All is fine +++++++

Please read my other reviews of this company to see full details of how they have taken £3600 of my money and held it since 1st Nov 2018 (and still have it). I have had nothing but hell with them for over 4.5 months trying to get my money back.

The latest update:

On 11th March 2019 they informed me, multiple times in writing, that they had returned my money that they had held since 1st Nov 2018.

It is now 14 days later and not a single penny has been returned.

They are now subject to investigations by the FCA, Financial Ombudsman Service and Action Fraud. If you've experienced similar I suggest you make complaints to all three of these too.

I have had to resort to submitting a freedom on information data request to attempt to get details of my account balance when they closed it (and locked me out of my online account) & return transaction details as they refuse to provide me with this simple information.

If you're considering becoming a customer of Arro, then I'd honestly give it a second and third thought. Other challenger banks are out there with MUCH better customer reviews. Is it worth the risk of your money being held for months upon months?

EDIT - In reply to Arro's response...

This just shows you simply do not read customer queries. I am asking where my money is given you said you returned it 14 days ago. I am not asking why you closed my account.

Queries answered very quickly and responded very well