If there is anything guaranteed with pretty much any service in Germany, it's that you will have a terrible experience. Germans know as much about user-friendly customer experiene as a rhino does about reciting Shakespeare. The Postbank, in all fairness, is not the worst by any measure. With the Sparkasse, for example, you can't use your card from an account opened in, say, Berlin, in another city. Like all things German, it's absurd. How on earth is Germany a world-class economy? As for the Postbank, its apps are utter crap (in visual design, in their UX and in functionality). The in-site staff is great for teaching you patience: there's a line reaching across the block, and the plentiful staff just pastorally paces back and forth, as if searching for butterflies, completely oblivious to their terrible level of service or the unnecessary stress they cause their clients. Oh, and did I mention their PostIdent identification system? Tried that app on 4 devices, over a week, with 3 different routers: the connection always broke, the staff was mostly very unfriendly and could barely speak either German or English. My suggestion: Postbank (and DB, and every other German company) should search the forest of Congo for gorillas. They would easily do a better job, from costumer service all the way up to management. This is me putting it nicely. You would not want to hear what I've heard other people say about you guys when I'm in line. Try working like this anywhere else in Europe and see how long you last before going bankrupt.