Permanent TSB Visa Debit

Stevek101

Just to let the people from Halifax or elsewhere who want to know the switch over, the date is set for Q3. With the estimated date being late August or early September.

Bit of a pain considering it's probably best to switch from Halifax sooner rather than later. I guess it'll have to be Ulster Bank for now.

Jet Black

A little bit too late. All will have changed to a new bank. Halifax are closing the beginning of summer. I dont fancy the hassle of moving again at the end of summer. Add to that there will be the usual 'working out the bugs' at the start.

It will be interesting to see if boi and aib will follow.. I doubt it happen anytime soon thou.

jaceq

heh, PTSB will loose on this big time, if they would have that card on offer I would consider them myself (and plenty ex-halifax customers), however I already signed up to Ulster Bank.

btw. I think that Ulster Bank is the big winner of this whole situation.

JJ

I'm already with PTSB so I'd sign up. I thought about signing up with Halifax about a year ago because they offered a Visa debit but I couldn't be bothered but I figured if my own bank offered the card, I'd go for it.

100gSoma

Would love to know the numbers, but definitely this is a huge coup for U;ster Bank. I think they will take at minimum 75% of the Halifax current account portfolio.

SophieX

I've recently opened a PTSB current account and can say no visa debit is a negative. I asked for a laser card and was told I'd have to go through the same critera as applying for a visa or mastercard.

100gSoma

I've recently opened an Ulster Bank current account. The phone people were useless, and almost put me off. The guy in my local branch was more than helpful. He was professional, friendly, and accommodating. Got my account number that day in branch, and got the VISA DEBIT card 3 or 4 days later, and the pin code 2 days after that. Excellent start.

almalahide

I dont think that the other banks understand or care that Halifax customers cant go back to laser card after being used to it. Thats why UB is the only one for me. As soon as other banks offer it ill shop around again. Ive had mixed experiences with them in three weeks and ive never had one bad one with Halifax.

I saw a sign saying 'Ask us about our current account Halifax customers' in PTSB, so I asked about a timeline for Visa Debit but I dont think she really understood what one was. :rolleyes:

Slice

What's the difference between Visa Debit and Visa Electron?

BuffyBot

Visa Electron requires "online authorisation" (i.e funds are checked for every purchase, electronically). This is why it's generally found associated with basic bank accounts, or accounts for teens etc.

Visa Debit doesn't necessarily do that check every tme (though it can be set by the bank to do it) and will sometimes be approved without contacting your bank. Visa Debit also have raised numbers, which means they can be used in old style manual imprint devices if all else fails. Electron cards don't have this (because they're for electronic use only) so cannot be used in such a way.

DK47

Just rang PTSB to cancel my ATM card as I lost it, student account so no laser. I was told my replacnent card would be a visa debit. then he said, sorry only laser cards are being replaced with visa debit. PTSB are now offering visa debit to students, wounder will my replacement be a visa debit?

greenman09

Balls. All cards are being replaced with the visa debit card. The roll out is taking months tho. If u order a new card they can only issue the new visa debit card now on their systems. Will be looking to replace my laser 2moro.

Davy

greenman09 wrote: »

Balls. All cards are being replaced with the visa debit card. The roll out is taking months tho. If u order a new card they can only issue the new visa debit card now on their systems. Will be looking to replace my laser 2moro.

Can i ask why you want the laser over the visa debit?

greenman09

Davy wrote: »

Can i ask why you want the laser over the visa debit?

you read me wrong all cards are to be replace by the visa debit card.

DK47

PTSB replaced my student ATM card with a VISA debit card, got it to day. used it online, works well

JJ

I just got my PTSB Visa debit today. I am most happy to be rid of Laser, good riddance.

BArra

got mine a couple of days ago aswell

markesmith

Just back from hols and got this in the post (existing ptsb customer). Is there much difference between this and a regular credit card?

Edit: Ah, scratch that. All the info's on the interweb: https://www.permanenttsb.ie/whatweoffer/currentaccounts/bankcardsguide/visa-debit-card/

finnteme

I got mine last week..
I have been refused to take cashback in 2 places so far, Supervalu @ Talbot street and one restaurang.



Have u guys similar experiences?

here.from.day.1

Whats the story with this? I went into PTSB on Tuesday to apply for a Laser card and the person said these were in the process of being sent out? Im still getting a Laser card sent out but they said something like I would be getting one of these anyway?

BuffyBot

They're being introduced on a phased basis. I would have thought all new accounts would get one automatically, but maybe not.

I have been refused to take cashback in 2 places so far, Supervalu @ Talbot street and one restaurang.

Happened quite a bit when Halifax and Ulster introduced their Visa Debit cards. Retailers systems need updates to recognise it's a debit card etc - some are better than others at updating.

Trampas

I presume we wont be hit by the gov tax on the visa debit card after having a laser card

greenman09

You'll only get charged the 5e gov stamp duty for the card. 2.50 for atm and 2.50 for using as a debit card. And this is in and this is in jan for the yr before. No extra. As for gettin a laser sent out, the only card that gets issued now is a visa debit. The laser order facility has been removed from the system. Visa debit with all new accounts as of mid last months.

amdublin

I got mine yesterday.

I like the colours and design of it!

JJ

Now that I think of it, I don't remember being asked about cash back the few times I've used my new Visa debit card but I usually never go for cash back anyway.

Solair

Smaller retailers will probably take a while to figure or that they're not credit cards.

I wonder will AIB or BOI switch over too?

I would say having PTSB on board will increase recognition big time. People always viewed Halifax debit cards as a bit "foreign and exotic"

There really doesn't seem to be much advantage to laser. I'm not really sure why the banks are hanging on to it.

Also, Id assume Visa Debit probably has access to more cutting edge technology than Laser as it is backed by such a vast payment brand.

Heisenberg.

This post has been deleted.

Davy

You can register the card, and spend with it using paypal. Not sure what you mean by load

Heisenberg.

This post has been deleted.

ronkmonster

Still waiting on my new cards
Got a letter around start of the summer saying I had to use the card on one of my accounts within a certain time for it to be replaced (card is never used)

They've already closed my current branch, if they don't hurry up with this I'll end up moving. Probably be faster if reported my cards missing

Paula60

I got my new visa debit card recently and presumed it was the same as my atm card. I was wrong. It can go well over your bank balance. Permanenttsb has been charging me 5 to 15 euros (referral fees) At this stage my referral fees have added up to about 150 euors. I for one am going to sort it out and hand it right back.

here.from.day.1

Are the fees from using at the ATM? Are in shop transactions charged too? Still no sign of a VisaD or Laser now two weeks later.. won't be long until I'm cought out at a late night petrol station with an Out of Service ATM again..

Paula60

No. I spend more than I had in my account. I didn't think I could do that. I presumed it was just like a atm card. That it would be declined in I didnt have the funds to meet a transaction. Its very hard to follow online as well. If you buy something in a shop using your visa debit, it might take three or more days to show in your balance. I have to budget, so its not good for me. What I am wondering is, can you get a atm card again.

The Cush

Someone I know recently got his Visa Direct card as a replacement for a Laser.

He is now having a problem with an car insurance broker in Donegal who is adding a 2% transaction fee to his premium. They say it's their policy to do this with a Visa card. When asked what the difference was between a Laser and Visa Debit card they couldn't say.

He has contacted the bank and they have said the transaction fee only applies to credit cards, the bank has contacted the broker but it's like talking to a brick wall it appears.

Anyone have similar problems?

Who to make a complaint to other than the bank, the Consumer Association, Banking Ombudsman?

Paula60

This week alone I've been charged 50e in referral fees. This card is just like a credit card. Even a credit card wouldn't charge this amount if you go over the limit.

newballsplease

Paula60 wrote: »

This week alone I've been charged 50e in referral fees. This card is just like a credit card. Even a credit card wouldn't charge this amount if you go over the limit.

What are Referral fees?
Are you been charged this because you have no funds in your account as you said previous?

newballsplease

anyone know if AIB are planning on bringing out the same card/debit visa ?

derra_121

Paula60 wrote: »

This week alone I've been charged 50e in referral fees. This card is just like a credit card. Even a credit card wouldn't charge this amount if you go over the limit.

Easily solved.....Dont go over you Limit Duhhhh

Paula60

Yes. But I didn't know I could go over my limit. This was not explained to me. I thought it was the same as my atm card but with an option to buy online and in the shops.

Paula60

derra_121 wrote: »

Easily solved.....Dont go over you Limit Duhhhh

That not the point - This should have been explained with the card was given to me.

here.from.day.1

Paula60 wrote: »

That not the point - This should have been explained with the card was given to me.

Did the card not arrive with a massive booklet or T&C? I would be very surprised if it didn't!

Savman

Paula60 wrote: »

That not the point - This should have been explained with the card was given to me.

Actually it is the point, spending money you don't have is never free. There has to be some 'give' with a limit because, IME, there will be stuff that takes a few days to surface on an account so 'Cardholder Caution' should be exercised...obviously.

Fresh Pots

I emailed aib yesterday and asked if they had any plans to introduce a visa debit card in the future and this is what i got back.

Dear Squared


Thank you for your mail.
AIB do not currently offer the Visa Debit card as we continue to issue our customers with the Laser/Maestro card. Thank you for your feedback.

If I can be of any further assistance please contact me.

Kind Regards
AIB CCC Customer Support

A very generic answer and definetly not promising. I'd move to PTSB tommorow if it wasn't so much hassle.

newballsplease

squared wrote: »

I emailed aib yesterday and asked if they had any plans to introduce a visa debit card in the future and this is what i got back.



A very generic answer and definetly not promising. I'd move to PTSB tommorow if it wasn't so much hassle.

Thinking the same........ Is it much hassle?

Paula60

personally I think I'll move to ulster bank - Im hearing great thing about them. Also, they don't have the Irish-bank-culture.

amdublin

Paula60 wrote: »

personally I think I'll move to ulster bank - Im hearing great thing about them. Also, they don't have the Irish-bank-culture.

:rolleyes:

Paula60

Aren't you so smart. I just love people like you

Paula60

permanent tsb are charging 5e referral fee if you go over your visa debit card. So if you buy a bag of coal costing 8e and and you've gone over your balance.Permanent tsb will charge you 5e to 15e referral fees. The are robbers. Just white collared money leaders.

jaffa20

Paula60 wrote: »

permanent tsb are charging 5e referral fee if you go over your visa debit card. So if you buy a bag of coal costing 8e and and you've gone over your balance.Permanent tsb will charge you 5e to 15e referral fees. The are robbers. Just white collared money leaders.

Don't go over your balance. Simple. You should know what's in your account before you go and try to buy something. It's a debit card, not a credit card!

Nonoperational

Paula60 wrote: »

permanent tsb are charging 5e referral fee if you go over your visa debit card. So if you buy a bag of coal costing 8e and and you've gone over your balance.Permanent tsb will charge you 5e to 15e referral fees. The are robbers. Just white collared money leaders.

Ah jesus give it up will ya. All banks do this. Stop going over your limit it's not rocket science.

here.from.day.1

Im guessing she's the same type of person that would be on here going nuts if it had a limit and embarrassed her in a shop too. You can't please some people.