jonevin Registered User
#196

Korvanica said:
Well i'm moving bank then, anyone got any good suggestions ?


I just signed up for Ulster Bank. They look much more professional, competitive and appreciative. Application process has been simple so far aswell. Spread the word. This will cost most people more than the household charge. F*ck them. They should be appreciative enough of the almost guaranteed future business they would have got off of most of their current account holders:
Ulster Bank can now look forward to my business for the future, which will probably include personal loans, a new credit card, debit card and credit card fees from vendors, and probably even be the provider of choice for a mortgage now (not because of these charges but because I will have my current account with them)

People please vote with ye'r feet, send an email to people who are less financially aware.

It would be worth anything to see AIB reverse this decision and be short 200,000 customers. This day and age, no interest current account and "Phone and Internet transaction fees". Poorly run and not competitive, they stink of state ownership. They will be scratching their heads then wondering why their own financial situation is even worse than anticipated then in 12 months.

Honestly, how the hell is an account with €500 any more expensive to provide an internet transaction to than an account with €3000. Bullsh*t.


Do you definitley need two forms of photo i.d to open an ulster bank account? I only have one

JTMan Registered User
#197

jonevin said:
Do you definitley need two forms of photo i.d to open an ulster bank account? I only have one


Walk into an Ulster branch and they will accept passport ID only with proof of address.

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#198

A passport and a utility bill (not mobile bill) should be fine.

d1980 Registered User
#199

BarackPyjama said:
A passport and a utility bill (not mobile bill) should be fine.


It actually won't or should I say it wasnt the case for me. I am moving from AIB and went to UB yesterday morning. I had my drivers licence and passport as well as a print out of 2 on-line bills for Gas and electricity. As they were pdf print outs, they would not accept them. They wanted originals and as I have tv, phone, internet, gas, electricity, and credit card all set up for on-line billing I could not provide them with 'originals' so I walked out. I will move to BOI now instead....The girl in front of me had a similar issue.

#200

d1980 said:
It actually won't or should I say it wasnt the case for me. I am moving from AIB and went to UB yesterday morning. I had my drivers licence and passport as well as a print out of 2 on-line bills for Gas and electricity. As they were pdf print outs, they would not accept them. They wanted originals and as I have tv, phone, internet, gas, electricity, and credit card all set up for on-line billing I could not provide them with 'originals' so I walked out. I will move to BOI now instead....The girl in front of me had a similar issue.


Interesting. I'll be walking in with a Passport, drivers licence, UPC bill and Airtricity bill on Wed. If they're not accepted, that's the end of that. I don't have time to visit them more than once.

d1980 Registered User
#201

BarackPyjama said:
Interesting. I'll be walking in with a Passport, drivers licence, UPC bill and Airtricity bill on Wed. If they're not accepted, that's the end of that. I don't have time to visit them more than once.

I didnt either and after waiting 30 mins to get where I was, I wasnt going to come back again. As it turns out, I do have some original statements posted to me at home but as BOI is closer to where I work and easily fall under their requirements every quarter, they will get my business for now. To note, she did ask was I on the voting register, which I am, she checked her computer and found no record. Not sure why they would have that list but I wasnt on it. Registered in my current address and have voted every time in this period.

Finally, been a customer with AIB for 14 years since college, have a credit card and a couple of savings accounts but making the move. Couldnt have faulted them til now.

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Wheety Registered User
#202

d1980 said:
To note, she did ask was I on the voting register, which I am, she checked her computer and found no record. Not sure why they would have that list but I wasnt on it.

Anyone can check if they are on the voting register http://www.checktheregister.ie/PublicPages/Default.aspx?uiLang=

I'm going to set up my Ulster Bank account but I'm not moving from AIB until I have met their criteria for fee free banking for this quarter (I think I may have already achieved this).

Then I will switch my salary to Ulster Bank and then switch everything else myself before closing down my AIB current account.

I will also have to close my Click Card account as you need to be an AIB customer for that. I'll apply to Ulster Bank for one too. I don't really mind if it's a higher APR as I have been paying it off on time each month.

I have a joint account with the GF in Ulster Bank already so opening an seperate current acconut should be very easy

How do you cancel your current account with AIB? They don't have a customer service number on their website anymore. Also the 'Contact us' form doesn't have 'current account' or 'account closure' as a subject for your message.

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Zascar Moderator
#203

I've been with AIB for nearly 20 years and I think they have been excellent in this time, however this does p1ss me off. Thing is I do not want to change and regret it for the sake of €10 a month. However, I just took out a loan with AIB and the interest rate was ridiculously high, I think it was 12%. Are any other banks any better?

johndoe99 Registered User
#204

i cancelled all my direct debits yesterday with UPC etc, and dropped in this morning and closed my account. They asked for a reason why i was closing, i looked at him and said 'have a guess', he just nodded, he knew why straight away. I bet i was not the first or last he will see doing the same.

#205

I have four accounts with AIB:


  • A current account that has an interest-free EUR1,500 facility
  • A loan account which I opened to do an MA (over a year's worth of repayments left on it)
  • An account for my utilities
  • An account which I use to pay my rent

I'll keep the interest-free overdraft current account for now, thank you very much, and close it when my loan is repaid.
Obviously I'll maintain the loan account until it's settled.
I will move the other two to Ulster Bank.

However, given that I'll have a very good credit rating with AIB after I repay my loan, is it worth staying with them on that basis?

I have no history with Ulster Bank.

JTMan Registered User
#206

Zascar said:
I've been with AIB for nearly 20 years and I think they have been excellent in this time, however this does p1ss me off. Thing is I do not want to change and regret it for the sake of €10 a month. However, I just took out a loan with AIB and the interest rate was ridiculously high, I think it was 12%. Are any other banks any better?


Loan price comparison here: http://compare.nca.ie/PersonalLoan

JTMan Registered User
#207

Amtmann said:
I have four accounts with AIB:


  • A current account that has an interest-free EUR1,500 facility
  • A loan account which I opened to do an MA (over a year's worth of repayments left on it)
  • An account for my utilities
  • An account which I use to pay my rent

I'll keep the interest-free overdraft current account for now, thank you very much, and close it when my loan is repaid.
Obviously I'll maintain the loan account until it's settled.
I will move the other two to Ulster Bank.

However, given that I'll have a very good credit rating with AIB after I repay my loan, is it worth staying with them on that basis?

I have no history with Ulster Bank.


Ulster and all other banks can access your credit record.

DAT64 Registered User
#208

Wheety said:
Anyone can check if they are on the voting register http://www.checktheregister.ie/PublicPages/Default.aspx?uiLang=

I'm going to set up my Ulster Bank account but I'm not moving from AIB until I have met their criteria for fee free banking for this quarter (I think I may have already achieved this).

Then I will switch my salary to Ulster Bank and then switch everything else myself before closing down my AIB current account.

I will also have to close my Click Card account as you need to be an AIB customer for that. I'll apply to Ulster Bank for one too. I don't really mind if it's a higher APR as I have been paying it off on time each month.

I have a joint account with the GF in Ulster Bank already so opening an seperate current acconut should be very easy

How do you cancel your current account with AIB? They don't have a customer service number on their website anymore. Also the 'Contact us' form doesn't have 'current account' or 'account closure' as a subject for your message.


If your switching to UB they can switch your AIB account & close your account there too.
Try Golden pages for your local branch to close account otherwise, or write to them.

Kaner2004 Registered User
#209

I went in today to close the accounts. The manager came out and brought me into the office. I got the blurb about having 2500 in it at all times and said that wasnt good enough. She then offered myself and my wife free fees for life if we stayed, without any conditions at all. We have a lot of money between all of the AIB accounts so that might have swayed them.

It might be worth having a talk to them about your account.
Im going to open ulsterbank current accounts anyway just to have there if we need to change bank.

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DAT64 Registered User
#210

Kaner2004 said:
I went in today to close the accounts. The manager came out and brought me into the office. I got the blurb about having 2500 in it at all times and said that wasnt good enough. She then offered myself and my wife free fees for life if we stayed, without any conditions at all. We have a lot of money between all of the AIB accounts so that might have swayed them.

It might be worth having a talk to them about your account.
Im going to open ulsterbank current accounts anyway just to have there if we need to change bank.


Thats brilliant well done for haggling!
Get it in writing to be sure its for life, that manager may be transferred to another branch & you may be back at square one!

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