Banking and payments services company operating Discover Network, offering credit cards, student loans, and banking products.
Switched to Discover Financial last year and it was one of the best financial decisions I've made. The mobile app is fantastic - I can do everything from my phone. Fee structure is transparent with no hidden charges. Their fraud protection caught a suspicious transaction within minutes. Really impressed.
Pros: Excellent app, transparent fees, strong security
Cons: Waiting times on phone can be long during peak hours
Discover Financial has completely changed how I manage my finances. The app notifications keep me on top of spending, the budgeting tools are genuinely useful, and I love the instant transfer feature. Setting up standing orders and direct debits is straightforward. Five stars well deserved.
Pros: Real-time notifications, budgeting tools, easy setup
Cons: Limited branch network
I've been banking with Discover Financial for over three years now and the service has been consistently excellent. Their online platform is intuitive, transfers are fast, and whenever I've needed to speak to someone, the customer service team has been helpful and professional. Interest rates on savings are competitive too. Highly recommend.
Pros: Modern app, great customer service, competitive rates
Cons: Branch hours could be longer
I opened an account with Discover Financial expecting better based on their marketing. The account opening process took forever, they kept asking for the same documents, and once the account was open the service didn't improve. Fees higher than advertised and interest rates lower than competitors.
Pros: None that I can think of
Cons: Slow processes, misleading advertising, high fees
I've had both good and bad experiences with Discover Financial. Day-to-day banking is fine and the app works. However, I had a terrible experience trying to dispute a charge - it took weeks and multiple calls to resolve. The resolution was fair in the end but the process was frustrating.
Pros: App works well for daily banking
Cons: Dispute resolution process is slow and painful