Number26 launching free mobile-first bank account in Ireland (Revolut alternative)

onedmc wrote: »

Paragraph by paragraph the translation is in pigeon English

Wow I just had a look, those translations are horrible. I did not see them because I used the German version.

And there is the following disclaimer:

The following translation is provided for the customer’s convenience only. The original German text of the respective Terms and Conditions is binding in all respects. In the event of any divergence between the English and the German texts, constructions, meanings or interpretations, those of the German original shall govern exclusively.

So another dis-advantage.

Few questions, I need a joint bank account to pay bills/groceries, some of these bills are direct debits (Virgin Media, TV licence.....), My current Irish bank is charging me way too much and I am looking for a cheaper alternative, is this bank the best that I can find or is there another alternative? Thanks.

alwald wrote: »

Few questions, I need a joint bank account to pay bills/groceries, some of these bills are direct debits (Virgin Media, TV licence.....), My current Irish bank is charging me way too much and I am looking for a cheaper alternative, is this bank the best that I can find or is there another alternative? Thanks.

Not giving you financial advice but have you checked Permanent TSB or KBC which offer free accounts under certain conditions.

Number26 does not do joint accounts.

Just tried to verify & they don't accept the new passport card (which I believe may be illegal as it has all the same function as the regular book & is issued under the EU).

DrJFF wrote: »

Anyone else having trouble pairing their device? I did the video call no problems but when i go to pair my device its not sending me through a text message,

Anyone any ideas?

Thanks

Did you remember to drop the zero?

bk wrote: »

Are you happy to take on a defamation case from this bank for claiming in public that they aren't a bank?

Will you also be happy to face a similar defamation case for also claiming KBC aren't a bank?

Completely ridiculous claims you are making, just go ask the Irish and German financial regulators and they will clarify it easily for you.

I'm not claiming or suggesting anything of the sort. I've merely pointed out that to the average punter, the product being talked about isn't a bank account in the sense they understand it. "In any meaningful sense" wad the phrasing I used. Everyone who takes issue with me seems to forget that. They've also forgotten all the people screaming on boards, newspapers, tv etc about withdrawing cash services, for whom bank account clearly equals dealing in cash.

And yet posters on here were telling a user who asked a question "would this be suitable for me" in the affirmative. As though they were qualified to give financial advice and were fully acquainted with the anonymous stranger's financial and legal affairs. Which is nonsense.

You and a few others seem to talk any perceived negative comment about this bank very personally.

McGaggs wrote: »

Did you remember to drop the zero?

Thanks I feel silly as I thought it might be that!

That are impressive transfer times. Let's see how the times are on the way back.

DrJFF wrote: »

Anyone else having trouble pairing their device? I did the video call no problems but when i go to pair my device its not sending me through a text message,

Anyone any ideas?

Thanks

McGaggs wrote: »

Did you remember to drop the zero?

This happened me last night, dropped the zero and the text straight away

Slutmonkey57b wrote: »

You and a few others seem to talk any perceived negative comment about this bank very personally.

The tetchyness is due to a sensible discussion being hijacked by warnings that "It's not a bank" which turn out to be based on a personal preference for over the counter cash transactions.

daheff wrote: »

what if I use Parcel motel????

Now I have a banking facility with Parcel Motel as my address.

If they provide physical statements to this address, then I can now set up a passport / driving license using this as my home address.

So what is your concern about not needing to provide a proof or residence when applying for the card?

You can already change existing billing instruments to have a parcel motel address so that shipment can be made to the billing address if required.

esforum wrote: »

what happens if theres issues or you need face to face contact?

I've been with a pure internet bank (Skandiabanken) for the last 15 years (before landing in Ireland and needing a local account it was my sole bank). Still haven't managed to come up with even a potential scenario in which I'd need face-to-face contact).

Admittedly Skandiabanken is a full-feature bank with mortgages, car loans, credit cards, saving accounts, overdrafts, international payments, (the equivalent of) standing orders and direct debits, etc.

Most things are fully self-service, e.g. creating new accounts, closing accounts, ordering new cards in anybody's name (hence joint acct is no problem), applying for loans/overdrafts. Very little manual work needed on the bank's side. Just an excellent example of what can be done.

Even 15 years ago it was miles and miles ahead of anything I've seen or heard of in Ireland. Doubt anything even close to it will appear here in my lifetime.

This new German offering is therefore very exciting, even though it's still got a long way to go. I certainly couldn't care less about access to a physical building.

feelgoodinc27 wrote: »

Is there any provision for lodging cash/chequers/drafts?

.

Is it possible to cash a cheque with NUMBER26?

Currently we do not offer a way to cash a cheque to your NUMBER26 account. However, if the customer demand for cashing cheques increases, we will reevaluate this.

https://number26.eu/support/possible-cash-cheque-number26/

onedmc wrote: »

Paragraph by paragraph the translation is in pigeon English

Pidgin? If you're going to engage in language pedantry...