Collctiv excels at ease-of-use and group collection functionality with strong customer support, but faces persistent complaints about unclear fees, slow withdrawals, and cumbersome ID verification that frustrate a meaningful minority of users.
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Common concerns
Customers mention
I was sent some money using this app but found it really time consuming to simply get it transferred to me, and as I’d not picked the service a bit annoying to have to upload ID, and take pictures (not sure how that even verified me since it didn’t ask for photo ID?). The FAQs don’t explain anything about how to transfer money out.
It was not clear that I was being charged a fee as the selection was already made on the page. I did not need to it to be today that was preselected by yourselves. In the interest of being transparent you should have made this very clear as I would have selected 2-3 working days. Perhaps remove the preselection and then people have to decide. I will not be using this again and will not be recommending as you add in hidden charges.
I inadvertedly ended up adding a £5 tip off a £40 payment! Read the small print! Very sneaky IMO
Trying to deactivate account after rude message saying i will be billed soon if pot is empty??? No option to deactivate page not working!
Charges to withdraw to bank account which I was not expecting having used this service several times previously
Would have given 0 if I could. Spent more than 3 hours in a number if occasions to deposit the collected money to my account but the identification process is buggy. My money is still there since July. You can guess their business model.
It felt as though collectiv was trying to scam me and the people adding to the collection at every step! Adding on donations and charging me to withdraw the cash immediately. I've had to take money out of my own personal account to cover the gifts for my children's teachers because I couldn't withdraw the money in time. I would never use this service again.
I used Collctiv to collect contributions from our work team for our Christmas lunch, thinking I would Iike to avoid using my personal account. Unfortunately, I ran into major issues. I discovered that I cannot pay the restaurant directly from the Collctiv pot—I have to withdraw the money into my private account, which defeats the purpose of using Collctiv in the first place. To withdraw, I needed to complete ID verification. Despite providing all requested personal documents (drivers license, passport), videos, etc. and following the process multiple times, the verification keeps failing, and support keeps asking me to repeat it. Because of this, I cannot pay the restaurant, and Collctiv is effectively holding the team’s funds. This has caused unnecessary stress, waste of time and frustration. Based on my experience, I cannot recommend Collctiv. It has been a complete hassle and extremely disappointing.
Based on 40 verified customer reviews, Collctiv holds an average rating of 4.0 out of 5 — rated Good on ReviewTerminal. 73% of customers gave 4 or 5 stars.