How Does AIB Have Any Customers?

who_ru

seriously how does anyone bank with this crowd?

unless you owe them a stack of cash how could you let these low lives have your cash or business.

they should be put out of existence forthwith i say!

snubbleste

because?

BengaLover

I have banked with them since i was 10..no probs here..

donkey balls

I have been with them for over 22 years now:eek: have about three different saving accounts and one current account,Dont have any loans/credit cards with them.
Sure the other banks must be just as bad.;)

ei.sdraob

we have 20% of the people who would still vote for FF

there's your answer

later12

This is one of my main problems with political platforming on boards, or elsewhere in the other realm of real life.

I was recently in a pub with my brother who spoke at length with a furrowed brow about the Irish banks and how they ought to have been let go (a policy, by the way, I am sort of in favour of) and how he had lost all respect for them. I then recalled that 5 minutes earlier he had pulled out an AIB laser card to pay for the drinks.

If people seriously object to these banks, why are they still banking with them? There are alternatives to the Irish banks operating here - why not bank with Ulster bank?

Disclaimer: I am a former UB employee but in Ireland I bank with AIB myself.

Welease

tracker mortgage at .5% over the ECB rate... so I'm not going anywhere..

For my current accounts/savings accounts, all Irish banks are absolutely dire service wise compared to foreign banks such as HSBC (who I was with for over 10 years).. so whats the point in moving?

It will be just a different person telling me they
a) don't offer that service
b) i have to come into the branch to do that simple transaction
c) they are not sure, and the person who knows is at lunch
d) sorry we don't open at the weekends...
e) we dont offer that facility on the web

Plus I'm sure the Irish banks would manage to make the process of moving from one to the other more painful than gnawing my own leg off.....

donkey balls

ei.sdraob wrote: »

we have 20% of the people who would still vote for FF

there's your answer

Not a FF person at all;) but apart from the likes of rabobank who seem to have their act together what other bank could you go to.

Tipp Man

Been with AIB since i was 4 years old

Never had any problems whatsoever with them

Find their staff way better to deal with than BOI or most other banks i have dealt with, including UK banks where i lived for a few years

Our family has been business banking with them for many many years and we have only had a handful of small problems, which when you go higher up the chain are usually dealt with properly. Never had any problems with loans/overdrafts and long may that continue

Just my/our personal experience

Amhran Nua

snubbleste wrote: »

because?

Are we not still paying off the interest from their first bailout?

later12

donkey balls wrote: »

Not a FF person at all;) but apart from the likes of rabobank who seem to have their act together what other bank could you go to.

Ulster Bank
NIB
Credit Unions (since they lost all that money they invested with Anglo!)
Rabobank (if you have a deposit to invest)

ei.sdraob

Tipp Man wrote: »

Been with AIB since i was 4 years old

Never had any problems whatsoever with them

Find their staff way better to deal with than BOI or most other banks i have dealt with, including UK banks where i lived for a few years

Our family has been business banking with them for many many years and we have only had a handful of small problems, which when you go higher up the chain are usually dealt with properly. Never had any problems with loans/overdrafts and long may that continue

Just my/our personal experience

Lucky you, their business services are diabolical

later12

Welease wrote: »

Plus I'm sure the Irish banks would manage to make the process of moving from one to the other more painful than gnawing my own leg off.....

It's very easy and all of the main banks are signed up to the IBF switching code.

Here's more information and a sample transfer sheet.

http://www.ibf.ie/pdfs/codes/IBF%20Personal%20Switching%20Code.pdf

Basq

Best online banking and customer service by a country mile!

Not going anywhere.

snubbleste

Amhran Nua wrote: »

Are we not still paying off the interest from their first bailout?

yes.

noodler

basquille wrote: »

Best online banking and customer service by a country mile!

Not going anywhere.

Hmm how their irresponsible lending practices with relation to commerical property loans affects me, as a regular saver, is hard to really see. Especially with the the excellent online banking service noted above.

Welease

later10 wrote: »

It's very easy and all of the main banks are signed up to the IBF switching code.

Here's more information and a sample transfer sheet.

http://www.ibf.ie/pdfs/codes/IBF%20Personal%20Switching%20Code.pdf

Thanks.

Thats assuming those doing the switch bother to do their jobs properly

We tried moving (when we relocated back in 2007) from HSBC to BOI (despite me banking with BOI for 10 years previously.. an account which they could find no record off.. despite me still having pass cards etc). which after 1 month of getting the run around I eventually gave up.. and went to AIB instead, who despite being better, were still borderline useless, and week after week I would chase why a specific account wasnt available yet and be told I had to fill in another form and pop into the branch again (for about the 10th time), which they apologies for not mentioning in any of the previous x times i had dropped a recently mentioned form in. (obviously this is different from an inter country switch which you linked to, but I never cease to be amazed by the ingenuity in Irish banks for making a simple task rather more difficult than necessary).

The service is poor from both the main Irish banks in my experience, that I now work within the poor system they provide and worry about far more important things in my life If pushed I would most likely go down the 100% internet banking route next time.

Welease

basquille wrote: »

Best online banking and customer service by a country mile!

Not going anywhere.

Are you serious?

Basq

Welease wrote: »

Are you serious?

As a clown with cancer..

Tefral

Online Banking is second to none.. when the OH saw how easy it was she changed to AIB aswell..

ninty9er

later10 wrote: »

If people seriously object to these banks, why are they still banking with them? There are alternatives to the Irish banks operating here - why not bank with Ulster bank?

Disclaimer: I am a former UB employee but in Ireland I bank with AIB myself.

We bank with Ulster Bank at work. The people in the branch are grand, but the actual organisations is not at all friendly to Ireland. The only reason we bank with them is because most of what we have is cash lodgements and they're next door. Couple that to the fact their contract with our landlord and affiliate means that they had to pay multiple millions to get the location and as a result we can get up to €100k for nothing from them for capital upgrades and specific community projects etc.

I use UB online banking for work and I personally bank with AIB because of
a)

basquille wrote: »

Best online banking and customer service by a country mile!

Not going anywhere.

b) I've got a €1,000 interest free overdraft that nobody else is offering and that came in very handy to pay the car insurance last year.

Welease

cronin_j wrote: »

Online Banking is second to none.. when the OH saw how easy it was she changed to AIB aswell..

The parts that are online..

When I change my mortgage repayments, I need to send a letter.. I could do this online with HSBC
When I want to throw a lump sum at my mortgage, I need to send a letter.. I could do this online with HSBC
When I wanted to open a new account.. I had to go into the branch.. I could do this online with HSBC
You cant amend (only stop) standing orders .. you could with HSBC.

Second to none in Ireland maybe

(btw I'm not anti AIB.. I bank with them and they are ok.. but HSBC just seemed a million times better)

Basq

True enough..

But try something basic like a bank transfer with someone like Bank Of Ireland Online, you need to set someone up as a "beneficiary" (which needs to be validated and approved etc) before you can do that.

Ridiculous!

Amhran Nua

basquille wrote: »

True enough..

But try something basic like a bank transfer with someone like Bank Of Ireland Online, you need to set someone up as a "beneficiary" (which needs to be validated and approved etc) before you can do that.

Ridiculous!

Someone can't just make off with your entire bank account if they stumble across your access details though. Its annoying but reasonable enough.

Welease

basquille wrote: »

True enough..

But try something basic like a bank transfer with someone like Bank Of Ireland Online, you need to set someone up as a "beneficiary" (which needs to be validated and approved etc) before you can do that.

Ridiculous!

lol ok, I can see where you are coming from now..

With HSBC, you enter their bank details, type in the amount and hit "send".. simple as that..

God I miss HSBC

Basq

Amhran Nua wrote: »

Someone can't just make off with your entire bank account if they stumble across your access details though. Its annoying but reasonable enough.

If you leave information like that for people to "stumble across" (including your registration number, personal access code and a various personal question), you deserve to be robbed to be honest!

ninty9er

Welease wrote: »

The parts that are online..

When I change my mortgage repayments, I need to send a letter.. I could do this online with HSBC
When I want to throw a lump sum at my mortgage, I need to send a letter.. I could do this online with HSBC
When I wanted to open a new account.. I had to go into the branch.. I could do this online with HSBC
You cant amend (only stop) standing orders .. you could with HSBC.

Second to none in Ireland maybe

(btw I'm not anti AIB.. I bank with them and they are ok.. but HSBC just seemed a million times better)

I don't have a mortgage, but I've crossed out what I know you can do. BOI is somewhat okay, but nowhere near the level of AIB.

I can make international and national payments with Ulster Bank too, but the process is so convoluted I'd be as well of going to the branch. It's not possible with BOI and I've only ever seen the PTSB one, never used it.

I can add a credit card, mortgage account, finance account or an Ark Life/Aviva policy to my AIB account and I can also carry out share deals online through my AIB online banking accounts.

That's a comprehensive service and above all else it's extremely user friendly.

Clarehobo

Welease wrote: »

The parts that are online..

...
When I wanted to open a new account.. I had to go into the branch.. I could do this online with HSBC
You cant amend (only stop) standing orders .. you could with HSBC.

Second to none in Ireland maybe

(btw I'm not anti AIB.. I bank with them and they are ok.. but HSBC just seemed a million times better)

I opened a new savings account online. (Lifetime AIB customer here)
Do you mean a totally new account as a new customer? I had to go into Lloyds, Halifax and ANZ branches to open up accounts as I had to present ID due to the fact that I was a new customer...

I can amend my standing orders online...


@AmhranNua
You get a code card with AIB to set up accounts. You would want to be fair crazy to leave your registration number, your personal access code and your code card in the same place. It's a safe process as long as you don't have these things together. It'd be the equivalent of leaving your keys in the front door of your house permanently - not a very good idea!


Been banking with them since I was 6.
Never had any issues with them.
Internet & telephone banking is efficient.
Anytime I have to deal with a customer service advisor, they know what they are talking about.
Anytime I go into a branch, the service is also efficient and I never have to queue more than a few mins at my local branch.
My credit card is cleared monthly so I never pay them interest.
I have two regular saver accounts with them with excellent interest rates.
I never pay banking fees as I use online facilities.
When I was in university, the staff were always helpful and quick to extend credit facilities when needed.

Parents moved from BOI to them at the start of the 80s due to serious ineptitude which nearly caused them to lose out on a business venture. They have never looked back.
Any of my friends who bank with BOI seem to have a lot of issues wrt setting up money transfers, etc... (I can never understand this)
I also remember being abroad and my friend's BOI pass card would not work in any bank machine but my AIB card had no issues.

Never had any issues with AIB and would not move unless there were massive issues with their service. Having lived abroad and set up accounts in various banks and dealt with terrible customer service, it's great to go into a local branch and get decent customer care.

Amhran Nua

basquille wrote: »

If you leave information like that for people to "stumble across" (including your registration number, personal access code and a various personal question), you deserve to be robbed to be honest!

No, you don't, no more than leaving your front door unlocked by accident means you deserve to be robbed. And accidents do happen, which is something BOI understands and AIB apparently don't. Losing your life savings over being forgetful is too big a risk.

Amhran Nua

Clarehobo wrote: »

You get a code card with AIB to set up accounts. You would want to be fair crazy to leave your registration number, your personal access code and your code card in the same place. It's a safe process as long as you don't have these things together. It'd be the equivalent of leaving your keys in the front door of your house permanently - not a very good idea!

Yes, I can't imagine a situation where some people might keep all the things needed to do their online banking in the one place ever arising. Or for example criminals breaking in and forcing you to transfer all your money.

PeakOutput

amhran, has there been a case of that happening to an aib customer and to a boi customer and have the two companies acted differently in some way? im having trouble seeing your point

Welease

Clarehobo wrote: »

I opened a new savings account online. (Lifetime AIB customer here)
Do you mean a totally new account as a new customer? I had to go into Lloyds, Halifax and ANZ branches to open up accounts as I had to present ID due to the fact that I was a new customer...

I can amend my standing orders online...

They were new saving accounts (on an existing account).. and we had to go into the branch to do them.. it was Dec 2007, so maybe it's changed.. (we have 7 day accounts etc)..

re: standing orders, just checked with the OH, and she said you could do basic changes, but it was either a date change or amount change could not be done online (or something specific, she cant remeber exactly).. It was related to when they changed child benefit, she needed to switch some details (date/amount or something), and the end result was AIB told her she needed to send a letter to complete the change.. again, great if its now changed but it wasnt possible last time she tried..

hmmm

basquille wrote: »

If you leave information like that for people to "stumble across" (including your registration number, personal access code and a various personal question), you deserve to be robbed to be honest!

Sounds like the type of person who writes their PIN on top of their bank card. Banks can only do so much to prevent stupidity from their customers.

SC024

Im with AIB for 8 years now and to be honest i think I've only had one complaint which was the charge for duplicate statements, other than that i find ok to deal with, no fees,
online banking service kicks ass compared to any other i've used. In short they provide a good service... Why wouldn't they have customers?

ninty9er

Amhran Nua wrote: »

And accidents do happen, which is something BOI understands and AIB apparently don't. Losing your life savings over being forgetful is too big a risk.

I can add a beneficiary to my BOI account by text. For my AIB account I just need my code card. But when the rent was missed by DD from the BOI account I had to transfer back to the AIB account in order to make the payment to the landlord. Was a bit ridiculous, but I managed to sort it even from Amsterdam !

My login and password details aren't written anywhere and you can give an AIB operative any details you like, but if you don't have your code card they won't transact for you over the phone.

I've got 3 AIB savings accounts and would have no fear of anyone transacting on them as they are online accounts and are not branch transactable. I can transfer immediately to my current account over the phone or online, but I can't transact directly from them.

It's particularly handy as I have a pay as you go PayPal account which I can top up on spec with AIB without having to wait for a text or a code in the post.

Basq

Amhran Nua wrote: »

No, you don't, no more than leaving your front door unlocked by accident means you deserve to be robbed. And accidents do happen, which is something BOI understands and AIB apparently don't. Losing your life savings over being forgetful is too big a risk.

Sorry.. no, there's "by accident" and there's sheer carelessness.

It's no different to your credit card being stolen.. block your card. If you suspect your account has been compromised, ring AIB and ask them to block the code card at the very least.

There's a reason details like this are meant to be kept secure. They have an 8 digit registration code, a Personal Access Code, a personal question and a Code Card with 100 different combinations of 4 digits.

So unless they're planning on accessing my brain - a la this guy..



.. they're not accessing any account without blame to carelessness on behalf of the account holder.

AIB can't hold your hand throughout your daily life.. you need to exercise some common sense.

SC024

basquille wrote: »

True enough..

But try something basic like a bank transfer with someone like Bank Of Ireland Online, you need to set someone up as a "beneficiary" (which needs to be validated and approved etc) before you can do that.

Ridiculous!

True ILPs Open24 offering is pretty much the same you cant set up anything without phoning them. Ulsters business offering "Bankline" is very good aswell

ninty9er

Welease wrote: »

They were new saving accounts (on an existing account).. and we had to go into the branch to do them.. it was Dec 2007, so maybe it's changed.. (we have 7 day accounts etc)..

re: standing orders, just checked with the OH, and she said you could do basic changes, but it was either a date change or amount change could not be done online (or something specific, she cant remeber exactly).. It was related to when they changed child benefit, she needed to switch some details (date/amount or something), and the end result was AIB told her she needed to send a letter to complete the change.. again, great if its now changed but it wasnt possible last time she tried..

It's possible these features are only unlocked where a code card has been issued to the customer. You do need a code card for them.

ninty9er

SC024 wrote: »

True ILPs Open24 offering is pretty much the same you cant set up anything without phoning them. Ulsters business offering "Bankline" is very good aswell

Bankline is okay in terms of capability, but it's not the most user friendly.

Welease

Amhran Nua wrote: »

No, you don't, no more than leaving your front door unlocked by accident means you deserve to be robbed. And accidents do happen, which is something BOI understands and AIB apparently don't. Losing your life savings over being forgetful is too big a risk.

Anything done in that manner is an illegal act and is more importantly traceable... They won't get very far with the money.

BOI (if what has been stated is true.. I dont bank with them) just has a sh*tty system with little thought put into it's design...

Welease

ninty9er wrote: »

It's possible these features are only unlocked where a code card has been issued to the customer. You do need a code card for them.

We do have one of those.. I'll get her to check later (I asked, but apparently it's not her top priority to check now.. some people :P)

SC024

ninty9er wrote: »

Bankline is okay in terms of capability, but it's not the most user friendly.

True it can be tricky to use, but the help is pretty good

who_ru

my original post had to do with their shocking contempt for the irish people.

while trying to stave off nationalisation they stopped paying bonuses to their staff - not a bother to them doing this.

when faced with majority ownership by us the people, via the Govt, they brought forward bonus payments seeing as it was no longer their own money that they were paying out.

the lies told to Govt regarding their true levels of debt & in tandem with BOI in Sept 2008 basically told the Govt bail us out or we will shut down this economy.

they, and others, facilitated widespread tax evasion in the 80s and 90s through offshore accounts.

well documented over charging of customers over a sustained period of time in foreign exchange transactions.
http://www.independent.ie/national-news/aib-knew-of-overcharging-two-years-before-taking-any-action-170748.html

on the basis of the above i again ask:

How can anybody bank with these people?

Clarehobo

Welease wrote: »

We do have one of those.. I'll get her to check later (I asked, but apparently it's not her top priority to check now.. some people :P)

lol - Can I ask what's wrong with you looking it up?;)

You can modify the amount, not the date. Think you may have to cancel the current one and set up a new one with the code card.
Think I opened the account two years ago but I did need a code card for it.

DarkJager

who_ru wrote: »

my original post had to do with their shocking contempt for the irish people.

while trying to stave off nationalisation they stopped paying bonuses to their staff - not a bother to them doing this.

when faced with majority ownership by us the people, via the Govt, they brought forward bonus payments seeing as it was no longer their own money that they were paying out.

the lies told to Govt regarding their true levels of debt & in tandem with BOI in Sept 2008 basically told the Govt bail us out or we will shut down this economy.

they, and others, facilitated widespread tax evasion in the 80s and 90s through offshore accounts.

well documented over charging of customers over a sustained period of time in foreign exchange transactions.
http://www.independent.ie/national-news/aib-knew-of-overcharging-two-years-before-taking-any-action-170748.html

on the basis of the above i again ask:

How can anybody bank with these people?

I banked with BOI for a number of years and can honestly say I don't how they have any customers left. The most unhelpful, arrogant bunch of wasters you could ever have the misfortune of having an account with. They don't care about you or your account or your money, but woe betide you owe them even a few euro over your balance because they will hound you for it. Ended my account with them after destroying an arrogant little prick who dared to ring me up threathening debt collection over 15 euro.

Switched to AIB a few months back and have found them to be fantastic in every way. Overdraft sorted the minute the account was opened, friendly staff in any branch I've been in and always willing to help with any questions or queries I have. I'm not going anywhere else for my banking.

later12

Amhran Nua wrote: »

No, you don't, no more than leaving your front door unlocked by accident means you deserve to be robbed. And accidents do happen, which is something BOI understands and AIB apparently don't. Losing your life savings over being forgetful is too big a risk.

The same could happen to anybody, even without internet banking. Someone could arrive at your house and force you to remove your savings from the credit union or any financial institution (even from under the mattress for that matter) or your wife/ son/ budgie 'gets it'.

I can never cease to be amazed by the reliance on cash currency in Ireland. We need to understand that things like electronic banking are actually very good for us, and are safer than carrying cash or even cards.

Personally, I think a lot of the UB internet banking process. I actually get very frustrated with AIB, given the fact that I'm usually on the move when I need to complete an internet transaction, and I rarely carry my code card with me.

Also, UB is slightly safer in that access to the online service requires a registration code, a pass number and a password.
AIB require the first two, but instead of a password require the last four digits of your phone number, which is pretty much public information.

I will hand it to AIB, however, they have excellent and generously staffed customer service personnel compared with UB. They are also committing to Visa debit cards, which UB have already introduced, and (I think) so have pTSB

Clarehobo

Amhran Nua wrote: »

Yes, I can't imagine a situation where some people might keep all the things needed to do their online banking in the one place ever arising. Or for example criminals breaking in and forcing you to transfer all your money.

lol - really????
I don't have my reg number or pac written down anywhere so no one can get it.
You change your PAC to something you can remember so you don't have it written down. It's like when you change the PIN on your bank card to something you remember...
My code card is beyond well hidden.

AIB CUSTOMERS BEWARE - criminals are getting so high tech, they can tell that you use AIB internet and phone banking and will target you in your own home. Oh, and the police will find it terribly difficult to trace the money...

Sorry, but it is a bit of a preposterous scenario.

Amhran Nua

PeakOutput wrote: »

amhran, has there been a case of that happening to an aib customer and to a boi customer and have the two companies acted differently in some way? im having trouble seeing your point

The point is with BOI you need to add a beneficiary to transfer funds, which requires the involvement of an post.

ninty9er wrote: »

I can add a beneficiary to my BOI account by text.

I can't, how do you do that? When I did it earlier this year I got a letter in the post with codes attached.

basquille wrote: »

Sorry.. no, there's "by accident" and there's sheer carelessness.

Yes, we have seatbelts and airbags in this country too.

basquille wrote: »

It's no different to your credit card being stolen.. block your card.

Except by the time you find out about it your account has already been cleaned out fully. Great, you say, tell AIB you were robbed. Ah, says AIB, how do we know you didn't just clean out your own account and are looking to double your money?

basquille wrote: »

So unless they're planning on accessing my brain - a la this guy..

They don't need access to your brain, only to your wife and children. Thats what tiger attacks are all about.

Welease wrote: »

Anything done in that manner is an illegal act and is more importantly traceable... They won't get very far with the money.

That would be the point, and how far they get depends on the amount of money involved, and the degree of organisation.

Look folks, let me make this clear. I was at an AIB ATM the last day, and the elderly woman in line in front of me left a balance slip behind her. I didn't notice this until after I was finished my transaction, so I looked at in in case the machine had spit it out for me.

The account balance on it was over eight hundred thousand euros.

So lets say I'm not the kindly Amhrán Nua who frequents this and other message boards, but am rather Anto Nally, lowlife checking to see has he fag money in the drinklink. How hard would it be for this character to follow that old lady back to her home, force a transfer, and skip town after making a withdrawal?

And that's just targets of opportunity, if you start getting organised crime involved there's no safety to be had.

No, I prefer the BoI method. Its slow and awkward, but at least I know that, accidentally or otherwise, my life savings, such as they are, can't be transferred out from under me.

Amhran Nua

later10 wrote: »

The same could happen to anybody, even without internet banking. Someone could arrive at your house and force you to remove your savings from the credit union or any financial institution (even from under the mattress for that matter) or your wife/ son/ budgie 'gets it'.

Thats what tiger attacks are all about. They require a high degree of organisation and ruthlessness however, and thus are usually only pulled on bank managers and the like, since they are extremely risky. With this you don't even need to leave the house.

Clarehobo wrote: »

lol - really????
I don't have my reg number or pac written down anywhere so no one can get it.
You change your PAC to something you can remember so you don't have it written down. It's like when you change the PIN on your bank card to something you remember...
My code card is beyond well hidden.

AIB CUSTOMERS BEWARE - criminals are getting so high tech, they can tell that you use AIB internet and phone banking and will target you in your own home. Oh, and the police will find it terribly difficult to trace the money...

Sorry, but it is a bit of a preposterous scenario.

Some of the comments on here are frankly astonishing. Have you ever dealt with password security at a large organisation? Half the passwords you could pull out of a dictionary, and half of the rest are the users birthday. And that's just the people who should know better. Of course its likely that an older person or someone with a lot on their mind will write their information down and leave it somewhere handy.

later12

Amhran Nua wrote: »

Look folks, let me make this clear. I was at an AIB ATM the last day, and the elderly woman in line in front of me left a balance slip behind her. I didn't notice this until after I was finished my transaction, so I looked at in in case the machine had spit it out for me.

The account balance on it was over eight hundred thousand euros.

So lets say I'm not the kindly Amhrán Nua who frequents this and other message boards, but am rather Anto Nally, lowlife checking to see has he fag money in the drinklink. How hard would it be for this character to follow that old lady back to her home, force a transfer, and skip town after making a withdrawal?

Because there are transactional limits
http://www.aib.ie/personal/online-services/transactionl-limits-ib

The most you could have got out of Biddy at home on her high speed internet connection was 5k. Now if you actually did it the old fashioned way, and got her to take a huge chunk out of her savings by going into the bank while you held her cat hostage, you could get a lot more.

Seriously, internet banking is more safe than carrying cash or using cards. You just have to use it wisely.

later12

Amhran Nua wrote: »

Of course its likely that an older person or someone with a lot on their mind will write their information down and leave it somewhere handy.

So what? Same with credit and laser cards.