Design The Perfect Bank

[BitcoinPostage]

So I was wondering, what would you guys consider the perfect bank.

Fees?
Common complaints?
Things it should offer?
Locations / Online only?
What currencies should be accepted?

Well anything you can really think of.

I want to hear from you and want to hear about the most common complaints.
Any bank horror stories?
What happened?
What should have happened?

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[LeGaulois]

The ideal is one that allows you to have a dedicated manager in an agency close to your home, and to totally manage my account online, easily and in real time, but also personalized at moderate prices and sophisticated services...None is completely perfect (or imperfect either). Thus, ideally, to have the best Bank, should use the services of several banks! And i want to add: to open an account easily, quickly 100% online.
I prefer online banking. I have not visited my bank agency since about 3 years. I don't need any other currency than one. As for the fees, this is where I am not happy, they charges me monthly 2 times more than what my mobil phone bill, to compare... Can you believe that ! The only thing i use is their website !
Now there are banks 100% online and it becomes more and more pouplar and it's cheap, I am thinking to switch to one of them as they charge 3 times less than my current bank

[BitcoinPostage]

Thank you for your awesome input, also the fees you are paying is absurd and unfortunately it seems to be very common.

[sikke]

The ideal is one that allows you to have a dedicated manager in an agency close to your home, and to totally manage my account online, easily and in real time, but also personalized at moderate prices and sophisticated services...None is completely perfect (or imperfect either). Thus, ideally, to have the best Bank, should use the services of several banks! And i want to add: to open an account easily, quickly 100% online.
I prefer online banking. I have not visited my bank agency since about 3 years. I don't need any other currency than one. As for the fees, this is where I am not happy, they charges me monthly 2 times more than what my mobil phone bill, to compare... Can you believe that ! The only thing i use is their website !
Now there are banks 100% online and it becomes more and more pouplar and it's cheap, I am thinking to switch to one of them as they charge 3 times less than my current bank

I do agree with you, we can see many banks that are online-based, and pretty much they operate only through Internet, with some exceptions, because if you want it or not, every bank needs headquarters, or the place where the consultants and bank employees work.

First, I would suggest that having a totally free account is a good idea, when you have to pay every month for just having your account registered, this is not something we wan't in 2017, am I right?
I dont even think that this is even worth to continue, because I think that the banks should never been made, all they can do is literally rip off the money out of the rest of society.

[Qartada]

No bank is a perfect bank because it's based on a stupid concept.  All banks hold your money for you as a number on a screen which only exists in their database - all banks create and oversee all of your transactions.  That's just what a bank is.

Fees may be lower and in the consumers' eye it may be more convenient, so in that sense the only factors which make a perfect bank are relatively low fees and payments which seem instant to the users, even if they're not.  A bank should also avoid dictating what people do with their funds as much as possible, like some online Bitcoin wallets, which are basically banks, decide to do (like Blockchain).

[darklus123]

There might be a almost to perfection kind of bnk but a complete bank perfection is not possible.why? Because there would always be a complain from the customer with regards to their services. Aside from that bank that involves bitcoin is just too stupid thing to think(IMO)

[wolfracer]

1. They should offer simple information of services, profits and answer user's questions.

2. They should have loans or credits and others kind of financing with little paperwork.

3. They should be able that grant their clients efficiency and speed with their payments service. either in a store or online.

4. And finally,  they should offer to new clients services with simplicity.

[Rinder]

A perfect bank would work with colateral, something they can sell if the person not able to pay their debit for 3 months, and the interests they does pay to savings compared the fee they charge should be more balance if banks charges 30% savings should be able to earn atleast 12-15%.

[Meuh6879]

what would you guys consider the perfect bank.

Bitcoin.

[ice18]

It really depends on the location and the needs of people must be heard inorder to build that perfect bank thing, but its not easy to build this kind of banks existing banks mission is to earn profits and more profits and not the for the welfare of their clients,for me a perfect bank must have a very acceptable loan system(low interest rates),have a very minimal withdrawal fees on atm , with a high interest rates on savings and mostly can accept bitcoins do an online transactions using web or apps on android/ios.     

[darthmaul]

Banks are really confusing in my country. This might be because of our population. One of the common problem is too many ways to do transaction and some of them are such that they can not be understood by common average people (may due to illiterate nature). But bank staff should be helping them but they won't because as I said earlier too many people!

Also, internet banking on the other hand is getting popular but trust that our banks has built is not that much. I have seen people worried about internet banking, fearing their accounts might get hacked and someone might steal their money. The fees and surcharges are always there for the cards. I never understand, if I am keeping million dollars in my bank account (which my bank uses to give loans to other people with heavy interests) then why it charges me extra charges!  So fees are complicated things and fees shouldn't be there if my bank using my money for their profits.

[magneto]

So I was wondering, what would you guys consider the perfect bank.

Fees?
Common complaints?
Things it should offer?
Locations / Online only?
What currencies should be accepted?

Well anything you can really think of.

I want to hear from you and want to hear about the most common complaints.
Any bank horror stories?
What happened?
What should have happened?

I personally think that banks should be avoided at all costs - bitcoin is a good alternative to avoid that middle man altogether. I believe that this is one of the most important steps we can take towards making banks up their game, in terms of fees and all.

I was really shocked to find how much hassle it was to exchange foreign currencies and if you had cash, they would offer you really really bad rates.

Foreign transfer fees are ridiculous as well.

Bitcoin solves all these things.

[X-ray]

So I was wondering, what would you guys consider the perfect bank.

Fees?
Common complaints?
Things it should offer?
Locations / Online only?
What currencies should be accepted?

Well anything you can really think of.

I want to hear from you and want to hear about the most common complaints.
Any bank horror stories?
What happened?
What should have happened?

- Low fees. That's to keep the bank be able to pay his cost.
- Low complaints. It tells us if the bank takes care of the customers.
- Not spreading a bullshit. Some banks are offering crap things for the customer.
- We are in the latest century based on the effectivity and efficiency.
- All of the currencies will make the customers easier.

Most common complaints are about the bank try to block the customer's account without any awareness. 

[HabBear]

I bank with the perfect bank.

Online, brick and mortar is for old people. Incredibly low fees. Overdraft is allowed, you hit a negative balance the bank loans you the difference (up to $500 or so) and charges you reasonable interest. Ability to open additional accounts instantly, online, no questions asked. Interest rate on savings from from the first deposit, no minimums. Interest that aligns and adjusts instantly with the base interest rate in the country.

The only thing I don't have is ability to hold bitcoin along side my fiat...but that's not that bad. It's probably best to keep those balances separate.

[noictib]

So I was wondering, what would you guys consider the perfect bank.

Fees?
Common complaints?
Things it should offer?
Locations / Online only?
What currencies should be accepted?

Well anything you can really think of.

I want to hear from you and want to hear about the most common complaints.
Any bank horror stories?
What happened?
What should have happened?

In my opinion the best and perfect bank will be those , if  they not even hear and accept complain but also solve our problem speedly as much as possible .
The second thing that should easy to handle and own your bank account anywhere with your valid KYC ,regardless of the matter that from.which state , country  you are :| .
If the above quality is satisfied by the ban perfectly then in my opinion that bank will be perfect .
Here I will not tell that the bank should accept multiple Currency Because in this case they will charge more like a trader

[Idrisu]

what would you guys consider the perfect bank.

Bitcoin.

The perfect bank actually should be bitcoin! The conventional bank we have now are being run by greedy individuals and institutions, the owners also think on how to defraud the depositors, investors and they debtors. Bitcoin, as a crypto currencies is decentralized in nature and because of this nature of bitcoin greedy and fraud if the system is perfected are eliminated.

[Hydrogen]

The perfect bank can never exist, not even theoretically.

A bank owner would want APR's on mortgages, car loans, student loans, credit cards to be as high as possible.

Those who use banks want APR's on mortgages, car loans, student loans, credit cards to be as low as possible.

Self interests are mutually opposed. What is good for elites, the wealthy and banks is typically bad for the average person, the poor and middle class.

There's no perfect bank that satisfies everyone or makes everyone happy.

One might say that many issues plaguing society and civilization are due to banks catering too unfairly to the interests of the wealthy & elites, creating regulations and policies which are bad for small businesses, the poor and middle class.

[hajimasan]

So I was wondering, what would you guys consider the perfect bank.

Fees?
Common complaints?
Things it should offer?
Locations / Online only?
What currencies should be accepted?

Well anything you can really think of.

I want to hear from you and want to hear about the most common complaints.
Any bank horror stories?
What happened?
What should have happened?

If you are asking for the offline bank system to be perfect and what should be quality that make them perfect then I will say that that bank will be more perfect if not apply any type of the charge for us for the deposit and withdraw .
And second thing that  bank should accept and make us able to made online payment with every type of Fiat that are approved in the world .
Here I am also willing that the perfect bank should start accept bitcoin , Because without bitcoin bank can't be perfect , Because bitcoin is perfect than bank so if the bank accept bitcoin​ then surely we can see them as an perfect system bank .
Beside of all these qualities the another thing that made trust with the user is the customer care support  ,that should be always able to response in better way .

[ASHLIUSZ]

Everything can never be in a perfect manner. How hard we plan finally some imperfection happens and few accept the imperfection making it a lead for their services, some describe the same as a negative line and avoid it. Think of bitcoin, most of the like the fluctuation which profit the users. Some are there who fear for the same and avoid using bitcoin. So imperfection might slowly becomes perfect but from the beginning we cannot give assured perfectness.

[Amph]

what would you guys consider the perfect bank.

Bitcoin.

i agree but i would add, the perfect bank should be "fixed bitcoin" with proper scaling solution, and not fee that cost more than expensive shitty paypal

add also something to make bitcoin look more user friendly, and less tech savy, a new gui interface for the newbie masses that want to use it, maybe like multi bit but better, with interchangeable wallet format with Core(i mean you can use the same wallet.dat from core)