At a Glance
Cross-platform ratings · Jan 1 – May 28, 2026 · Trustpilot data live-scraped via Chrome extension
Cross-Platform Avg
4.67
Weighted · 16,300 ratings
Best Platform
4.9
Reviews.io DE · 518 reviews
2026 Trustpilot 1-Stars
12
7 EU · 5 DE · All scraped
Banking complaints
5+
BaFin + criminal filings
🔴 2026 1-Star Themes
14 tracked 1-star reviews (12 Trustpilot + Google Play + Reviews.io) · % of total 1-star pool
Banking (Swan)
36%
5 of 14 reviews · BaFin + Strafanzeige
Support Issues
29%
4 of 14 reviews
Other Topics
35%
5 of 14 reviews · Peppol, Data, Billing
🏦
Banking Account Failures
36%
5 of 14 reviews
🔴 CRITICAL
Swan/BNP Paribas · BaFin filings
🎧
Support Degradation
29%
4 of 14 reviews
🟠 HIGH
In-app coach removed · 1-week wait
📊
Bookkeeping Accuracy
21%
3 of 14 reviews
🟠 HIGH
DATEV · Post-cancel invoice bug
🔌
Peppol Integration
14%
2 of 14 reviews
🟡 MEDIUM
Migration key · Off-boarding trap
💳
Billing Transparency
7%
1 of 14 reviews
🟡 MEDIUM
Hidden subscription · "Free" upsell
📅 2026 1-Star Reviews by Month
⭐ Rating by Platform (live data)
📊 Review Volume Share
✅ Trustpilot data now live-scraped via Claude in Chrome extension (May 28, 2026). Corrected rating: both accountable.eu and accountable.de score 4.7★ (earlier search-index estimate of 4.0 was stale). Google Business / Maps remains unavailable in structured form.
Ratings by Platform
Live-scraped data as of May 28, 2026
| Platform | Rating | Total Reviews | 1-Star Share | Market | Data Source |
|---|---|---|---|---|---|
| Reviews.io — accountable.de reviews.io/…/www.accountable.de |
518 | <1% | 🇩🇪 DE | Fetched | |
| Reviews.io — accountable.eu reviews.io/…/accountable.eu |
913 | <1% | 🇧🇪 BE | Fetched | |
| Trustpilot — accountable.eu trustpilot.com/review/www.accountable.eu |
1,026 | ~3% | 🇧🇪 BE | Chrome | |
| Trustpilot — accountable.de trustpilot.com/review/accountable.de |
407 | ~1% | 🇩🇪 DE | Chrome | |
| Apple App Store — Belgium apps.apple.com/be · id1384729810 |
5,400 | ~2% | 🇧🇪 BE | Fetched | |
| Apple App Store — Germany apps.apple.com/de · id1384729810 |
3,259 | ~2% | 🇩🇪 DE | Fetched | |
| Google Play Store com.hivearts.accountable |
4,760 | ~4% | 🌍 EU | Fetched | |
| Google Business / Maps | Not accessible in structured form — excluded | ||||
Trustpilot accountable.eu — 1-star reviews by year
Trustpilot accountable.de — 1-star reviews 2026
1-Star Review Clusters · 2026
Based on live-scraped Trustpilot reviews (12 in 2026), Reviews.io, and Google Play. Verbatim quotes in original language with translation.
Banking Account Failures (Swan / BNP Paribas)
Deposit lost after rejected application · Account frozen without explanation · BaFin complaints · Criminal charges
36% of all tracked 1-star reviews (5 of 14)
The pattern: user opens business account → makes a small deposit for "verification" → application rejected for compliance reasons → money not immediately returned → user panics → BaFin/Strafanzeige. Accountable's responses blame partner Swan. The problem is systemic, not isolated.
"Einzahlung verschwunden, BaFin informiert, Strafanzeige gestellt. Vor der Kontoaktivierung wird eine Einzahlung verlangt. Ich habe diese geleistet. Mein Antrag wurde abgelehnt – das Geld habe ich bis heute nicht zurückerhalten. Keine Rückbuchung, keine Kommunikation, keine Reaktion des Supports."
Deposit vanished, BaFin informed, criminal complaint filed. A deposit is required before account activation. I made it. My application was rejected — I still haven't received the money back. No reversal, no communication, no support response.
"Geld weg, Konto verschwunden – WARNUNG für alle Selbstständigen! Zum Abschluss wurde mir erklärt, ich solle zur finalen Verifizierung einen Betrag auf die neu erhaltene IBAN überweisen. Ich habe das getan. Am nächsten Tag: Das Konto existiert nicht mehr. Kein Zugang, keine Nachricht, keine Erklärung."
Money gone, account vanished — WARNING for all self-employed! I was told to transfer an amount to the newly received IBAN for final verification. I did. Next day: the account no longer exists. No access, no message, no explanation.
"Konto gesperrt, Geld weg – und dann noch eine Rechnung. Alle Unterlagen eingereicht, Geld zur 'Verifizierung' eingezahlt – Konto wurde anschließend ohne Begründung geschlossen, obwohl ich es nie aktiv genutzt habe. Das eingezahlte Geld? Weg. Die BaFin sollte sich das dringend ansehen."
Account blocked, money gone — and then a bill. All documents submitted, money paid for 'verification' — account then closed without reason, even though I never actively used it. The deposited money? Gone. The BaFin should urgently look into this.
"Geschäftskonto eröffnet, wenige Monate später wurde es gesperrt wegen 'verdächtigen Aktivitäten'. Ich habe alle geforderten Unterlagen zur Überprüfung eingesendet und weitere Wochen gewartet. Das Ergebnis: Kündigung des Kontos, kein Grund genannt, keine Möglichkeit zur Reklamation."
Opened a business account, a few months later it was blocked for 'suspicious activity'. I submitted all requested documents and waited weeks more. The result: account cancelled, no reason given, no way to complain.
Root cause: Swan (BNP Paribas) applies compliance/KYC rules that can reject accounts after a deposit has been made. Accountable's own response confirms money was returned (e.g. Apr 21 reversal), but the communication gap between rejection and refund creates a window of panic and reputational damage. Fix: proactive same-day communication when an application is rejected + instant automated reversal confirmation.
Support Degradation & Inaccessibility
Coach questions blocked in-app · Hours/days wait · FAQ deflection · Perceived quality drop
29% of all tracked 1-star reviews (4 of 14)
"Le service c'est dégradé ce dernier mois et n'est plus aussi performant qu'au début. Nous ne pouvons plus soumettre des questions au coach en ligne depuis l'application. De plus maintenant il mette 1 semaine avant de vous répondre. En pleine réflexion à savoir de changer ou rester, je suis déçu."
The service has degraded this last month and is no longer as good as at the start. We can no longer submit questions to the online coach from the app. On top of that it now takes 1 week before they reply. Seriously thinking about switching, I'm disappointed.
"Leider gibt es keinen Support. Man muss stundenlang auf Rückmeldung warten. Absolut nicht zu empfehlen. Da gehe ich lieber zur Konkurrenz."
Unfortunately there is no support. You have to wait hours for a response. Absolutely not recommended. I'd rather go to the competition.
"My account is being logged out constantly every few weeks causing me to miss important notifications like tax deadlines."
"Naja meine Frage wurde nicht wirklich beantwortet. Der Artikel der mir geschickt wurde hatte am Ende mehr Fragen als vorher. Ich wurde nicht wirklich mit meiner Frage abgeholt."
Well, my question wasn't really answered. The article they sent me raised more questions than before. I wasn't really met where I was.
Pattern: Two sub-issues — (A) structural: in-app coach access removed or degraded in BE, wait times increased to 1 week; (B) quality: support replies with generic articles without reading context. The first is a product decision that needs communication; the second is a QA/training issue.
Peppol Integration Issues (Belgium)
No migration key when switching · Dangerous account deletion flow · Locked out of Peppol network
14% of all tracked 1-star reviews (2 of 14)
"Quand vous voulez migrer vers un autre opérateur de Peppol, ils ne vous fournissent pas de clé de migration. Outil archaïque et payant pour chaque option en plus qu'on souhaite. Je ne recommande absolument pas."
When you want to migrate to another Peppol operator, they don't provide you with a migration key. Archaic tool with paid add-ons for every extra feature you want. I absolutely do not recommend it.
"Opgepast: registratie ongedaan maken kan enkel door eerst via instellingen in peppol je peppol account te verwijderen. Hierna je account te verwijderen. Zolang je deze stappen niet doet kan je nergens anders op het peppol netwerk. Verwijder je je account zonder eerst je peppol te verwijderen, good luck!"
Warning: to undo your registration you must first delete your Peppol account via settings, then delete your Accountable account. If you don't do this in order, you'll be locked out of the whole Peppol network. Delete your account without removing Peppol first, good luck!
Fix required: (1) Provide Peppol migration keys to departing users; (2) Add a mandatory off-boarding flow that de-registers Peppol before allowing account deletion. The second issue is a UX safety gap that can lock users out of Belgian e-invoicing entirely.
Bookkeeping Accuracy & Data Integrity
Inaccurate records · Broken DATEV export · Post-cancellation invoices sent to clients
21% of all tracked 1-star reviews (3 of 14)
"literally messed up my whole book holding very inaccurate!!!"
"Der Export zu DATEV hat nicht funktioniert. Es fehlten Buchungen und es war nicht nachzuvollziehen, welche Buchungskonten genau genutzt werden. Nach der Kündigung sind an meine Kunden noch Rechnungserinnerungen gesendet worden, die komplett unangebrachterweise auf Außenstände hinweisen wollten. Das ist sehr unprofessionell."
The DATEV export didn't work. Bookings were missing and it was impossible to see which accounts were used. After cancellation, invoice reminders were still sent to my clients, pointing to outstanding amounts. That is very unprofessional.
The post-cancellation invoice reminder bug is particularly damaging — it harms the ex-user's client relationships and creates liability exposure. Accountable's reply acknowledged it and mentioned the DATEV export is being rebuilt, but this needs urgent hotfix priority.
Billing Transparency & Misleading Marketing
"Free" banking upsell · Hidden subscription requirement · Difficulty cancelling
7% of all tracked 1-star reviews (1 of 14, recurring theme)
"Dann erhielt ich eine Angebot-Email um ein kostenloses Bankkonto zu eröffnen. In der Email, in dem Video und bei Anlegung des Kontos war immer nur von 'kostenlos' die Rede. Erst nach Abwicklung kriegt man die Information, dass man ein extra Abo für 30€ im Monat abschließen muss um die Vorteile des Kontos nutzen zu können. In der Email ist NIRGENDWO erwähnt, dass man ein neues Abo braucht. Betrug!"
I received an offer email to open a free bank account. The email, the video, and the onboarding only ever mentioned 'free'. Only after completing everything do you learn you need an extra €30/month subscription to use the account benefits. NOWHERE in the email is it mentioned you need a new subscription. Fraud!
The "Ganz schwach" review (Jan 14, 2026, CH) also references a slow refund process: "Brauchen Tage um eine Ablehnung zu schicken. Und dann wahrscheinlich Wochen bis das Geld zurückkommt." — These billing-related reviews are connected to the banking cluster above and together form a trust narrative around money handling.
User Quotes · Jan–May 2026
Verbatim reviews — original language + English translation. All Trustpilot quotes are live-scraped.
2026 Highlights & Notable Events
Key moments since January 1, 2026 — now enriched with live-scraped Trustpilot data
JAN 7, 2026
🚀 AI Tax Advisor document search shipped (v1.243)
Positively received: "This program is a lifesaver… it has an AI chat feature that is actually useful." — Jeffrey Humble, Google Play, Jan 10, 2026 ⭐⭐⭐⭐⭐
JAN 5, 2026
🔌 Peppol off-boarding trap reported (Trustpilot EU)
BE user warns that deleting an Accountable account without first removing Peppol registration locks users out of the entire Belgian Peppol network. No fix visible yet.
JAN 28, 2026
🔒 Session logout bug → missed tax deadlines (Google Play)
User "Syd" logged out silently every few weeks, missing push notifications for tax deadlines. Accountable responded in 2 days. Fixed by subsequent push notification releases (Mar–Apr).
FEB 2026
⚖️ Steuerberaterkammer Berlin files lawsuit
AI "tax advisor" branding challenged in court. No direct rating impact, but media coverage.
FEB 19–23, 2026
🏦 Banking issues emerge on Trustpilot DE
Two 1-star reviews: SEPA instant transfer not credited (network outage, later resolved by Swan); DATEV export broken + post-cancellation invoices sent to ex-customers.
MAR–APR 2026
📲 Push notification releases for tax deadlines (v1.255–1.261)
Multiple releases shipped push notifications for trade tax, corporate tax, income tax, annual tax. Also: Belgian structured communication recognition. Directly addresses session/logout complaint.
APR 20–21, 2026
🚨 Two BaFin/Strafanzeige reviews posted (Trustpilot DE)
Back-to-back 1-star reviews: users claim deposit disappeared after account rejection. Accountable confirmed refunds were issued Apr 21 but lack of proactive communication caused panic and public complaints.
MAY 14–18, 2026
🚨 3 more 1-star reviews in one week (Trustpilot EU)
Another banking freeze (EU), "literally messed up my whole finances" (accuracy), and service degradation complaint in French (coach questions no longer available in-app, 1-week response times). Highest 1-star density of 2026.
MAY 25, 2026
✅ Reviews.io.de at 518 reviews · 4.9★
Sustained excellence on verified-purchaser platform. Most recent reviews (May 2026) cite AI features, fast support, and clean UI. German market showing strong momentum.
Data Sources
All platforms surveyed · Data collected May 28, 2026
⭐Trustpilot — accountable.eu
⭐4.7★ · 1,026 reviews · Live-scraped via Chrome extension — all 1-star reviews since 2026 extracted verbatim
Trustpilot — accountable.de
🍎4.7★ · 407 reviews · Live-scraped via Chrome extension — all 1-star reviews since 2026 extracted verbatim
Apple App Store — Belgium
🍎4.7★ · 5,400 ratings · Server-fetched
Apple App Store — Germany
🤖4.7★ · 3,259 ratings · Server-fetched
Google Play Store
✅4.5★ · 4,760 reviews · Server-fetched
Reviews.io — accountable.eu
✅4.8★ · 913 reviews · Server-fetched (verified purchasers)
Reviews.io — accountable.de
4.9★ · 518 reviews · Server-fetched (verified purchasers)
📍
Google Business / Maps
Not publicly accessible in structured form — excluded
Trustpilot correction: Earlier estimate of 4.0★ for accountable.eu (from stale Google search index) was wrong. Live scrape confirms 4.7★ for both domains. Individual review authors are anonymised in this report (blocked by browser security policy) but full text is verbatim.