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AIB Visa Debit Card roll out thread

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    #152
    Graciefacey
    Registered Users Posts: 498 ✭✭Graciefacey


    If your laser isn't due to expire until 14 or so, you will only get one if you apply for one they won't be automatically released


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    #153
    Ste_JDM
    Registered Users Posts: 207 ✭✭Ste_JDM


    I ''lost'' it.


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    #154
    aoife1991
    Registered Users Posts: 125 ✭✭aoife1991


    DJDontaz wrote: »
    Just emailed AIB. They can conform that they will begin issuing Visa Debot Cards to all customers from the 1st of September.

    I really hope so!! :D


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    #155
    Kenno90
    Registered Users Posts: 3,184 ✭✭✭Kenno90


    Don't know if this has been posted before but their terms and conditions seems they'll be rolling out the Visa debit card scheme.

    Seems like its happening :D


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    #156
    blubloblu
    Registered Users Posts: 1,226 ✭✭✭blubloblu


    Can we assume they'll be contactless cards?


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    #157
    Murky Waters
    Closed Accounts Posts: 41 ✭Murky Waters


    blubloblu wrote: »
    Can we assume they'll be contactless cards?
    The term 'Contactless Transaction' is mentioned in the new T&Cs so I'd say it would be safe to assume they'll be contactless cards.

    Edit: They later mention ''If your card is enabled to effect a Contactless Transaction...'' so maybe not all cards will be enabled with the facility.


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    #158
    finnteme
    Registered Users Posts: 970 ✭✭✭finnteme


    I opened a new account at AIB in Dublin today, and was told that they start roll out Visa Debit cards from 1st september. :)


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    #159
    _Kaiser_
    Registered Users Posts: 28,679 ✭✭✭✭_Kaiser_


    I don't see the fuss/rush to be honest.. Laser works fine for now on most Irish sites and for the rest I've got a Visa Credit Card anyway.

    I know - "what about those of us who don't have a credit card?". Well from my (admittedly fairly limited) experience, these Debit cards aren't universally accepted yet either? What's the plan there? Better yet.. how can you tell if a site that just says "Visa" for example as a payment method will support both Debit and Credit versions?


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    #160
    BuffyBot
    Moderators, Motoring & Transport Moderators Posts: 24,924 Mod ✭✭✭✭BuffyBot


    Most do automatically. While nothing is universal, pretty much anywhere that accepts Visa credit cards can accept Visa debit cards. This is what makes them infinitely more useful than Laser both online and outside Ireland.


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    #161
    Ste_JDM
    Registered Users Posts: 207 ✭✭Ste_JDM


    my mother got a new Laser card today.. oh...lulz


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    #162
    dotsman
    Registered Users Posts: 3,635 ✭✭✭dotsman


    Ste_JDM wrote: »
    my mother got a new Laser card today.. oh...lulz

    It's August - what did you think would happen? Tell her to do without a card until they roll out the visa debit cards?


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    #163
    Ste_JDM
    Registered Users Posts: 207 ✭✭Ste_JDM


    dotsman wrote: »
    It's August - what did you think would happen? Tell her to do without a card until they roll out the visa debit cards?

    Her current card does not expire til 10/12


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    #164
    dotsman
    Registered Users Posts: 3,635 ✭✭✭dotsman


    Ste_JDM wrote: »
    Her current card does not expire til 10/12

    Yes, but expired cards are replace 1 to months in advance. If her card was due to expire in 11/12, then it would have been replaced next month and would have been a visa debit. Any card being issued in August is still going to be a Laser.


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    #165
    Solair
    Closed Accounts Posts: 7,230 ✭✭✭Solair


    Kaiser2000 wrote: »
    I don't see the fuss/rush to be honest.. Laser works fine for now on most Irish sites and for the rest I've got a Visa Credit Card anyway.

    I know - "what about those of us who don't have a credit card?". Well from my (admittedly fairly limited) experience, these Debit cards aren't universally accepted yet either? What's the plan there? Better yet.. how can you tell if a site that just says "Visa" for example as a payment method will support both Debit and Credit versions?

    Visa Debit cards are universally accepted where Visa's taken.
    If the retailer's not setup for Visa Debit (where they can save on % charges), the card's processed as a credit card at the same rates.

    It's a very flexible setup from a consumer's perspective. As far as the retailer's concerned, it's just 'visa'. However, a retailer in Ireland (or elsewhere) will be able to process it specifically as a debit card and have Laser-like charges.


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    #166
    whiteonblu
    Registered Users Posts: 147 ✭✭whiteonblu


    Will people with AIB laser/maestro debit be automaticaly updated to the aib visa debit or would one have to apply.? Would there be an extra charge for the visa debit/


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    #167
    cookie1977
    Registered Users Posts: 6,794 ✭✭✭cookie1977


    I automatically just received my visa debit card this morning to replace my old laser card. I did not apply for it and only joined BOI in May of this year. There's no extra charges for it.


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    #168
    DoctorDre
    Registered Users Posts: 169 ✭✭DoctorDre


    Got a new card sent from AIB today and the letter attached said 'Welcome to your AIB Debit Card'...it is identical to my old laser card though....so is it a Visa Debit or not?


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    #169
    Basq
    Registered Users Posts: 43,774 ✭✭✭✭Basq


    DoctorDre wrote: »
    Got a new card sent from AIB today and the letter attached said 'Welcome to your AIB Debit Card'...it is identical to my old laser card though....so is it a Visa Debit or not?
    If it doesn't says Visa on it, then it ain't!


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    #170
    Solair
    Closed Accounts Posts: 7,230 ✭✭✭Solair


    If it has a Laser logo on it, it's a Laser card.

    Visa Debit cards have a big VISA logo on them :)


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    #171
    dotsman
    Registered Users Posts: 3,635 ✭✭✭dotsman


    DoctorDre wrote: »
    Got a new card sent from AIB today and the letter attached said 'Welcome to your AIB Debit Card'...it is identical to my old laser card though....so is it a Visa Debit or not?

    Laser is a Debit Card. Visa is merely a different "middle man". Debit cards being issued by AIB from next week will be on the Visa network.


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    #172
    DoctorDre
    Registered Users Posts: 169 ✭✭DoctorDre


    dotsman wrote: »
    Laser is a Debit Card. Visa is merely a different "middle man". Debit cards being issued by AIB from next week will be on the Visa network.

    Wonder if I'll get another new one.....


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    #173
    Solair
    Closed Accounts Posts: 7,230 ✭✭✭Solair


    For physical transactions where you stick your card into a chip and pin terminal or an ATM, Visa Debit and Laser are pretty much exactly the same.

    Laser was also usable abroad as Maestro. I've used it plenty of times in Belgium, France, Germany, the UK etc.. and it works fine. You get the odd weirdo in the UK who looks funny at the card because it's branded with an odd logo i.e. Laser, but the machines read it.

    Where Visa debit's totally different :

    1) E-commerce online - almost all websites that accept Visa accept it.
    2) Contactless payment (where available)


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    #174
    cookie1977
    Registered Users Posts: 6,794 ✭✭✭cookie1977


    Solair wrote: »
    For physical transactions where you stick your card into a chip and pin terminal or an ATM, Visa Debit and Laser are pretty much exactly the same.

    Laser was also usable abroad as Maestro. I've used it plenty of times in Belgium, France, Germany, the UK etc.. and it works fine. You get the odd weirdo in the UK who looks funny at the card because it's branded with an odd logo i.e. Laser, but the machines read it.

    Where Visa debit's totally different :

    1) E-commerce online - almost all websites that accept Visa accept it.
    2) Contactless payment (where available)

    3) visa verification security for online purchases too


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    #175
    coylemj
    Registered Users Posts: 25,336 ✭✭✭✭coylemj


    Solair wrote: »
    Visa Debit cards are universally accepted where Visa's taken.
    If the retailer's not setup for Visa Debit (where they can save on % charges), the card's processed as a credit card at the same rates.

    Don't think so, I just got a Visa Debit card from BOI to replace my ATM/Laser card and I don't have a Visa credit card account so how can it work the way you claim?

    The debit card has no relationship to my credit card which is Mastercard and is physically a different piece of plastic. If a vendor can't handle my Visa debit card I would need to either fall back on cash or tender my Mastercard instead.


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    #176
    yer man!
    Registered Users Posts: 1,647 ✭✭✭yer man!


    coylemj wrote: »
    Don't think so, I just got a Visa Debit card from BOI to replace my ATM/Laser card and I don't have a Visa credit card account so how can it work the way you claim?

    The debit card has no relationship to my credit card which is Mastercard and is physically a different piece of plastic. If a vendor can't handle my Visa debit card I would need to either fall back on cash or tender my Mastercard instead.
    He means that if they retailer isn't set up for visa debit to get the lower charges then the transaction will proceed as if it were a credit card you were using. The visa debit card will still be accepted its just the retailer will get charged the same amount as if it were a credit card.


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    #177
    whiteonblu
    Registered Users Posts: 147 ✭✭whiteonblu


    DoctorDre wrote: »
    Wonder if I'll get another new one.....
    That is what I meant.If people who get a new laser now want a visa debit next month can they apply will there be a charge?


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    #178
    coylemj
    Registered Users Posts: 25,336 ✭✭✭✭coylemj


    yer man! wrote: »
    He means that if they retailer isn't set up for visa debit to get the lower charges then the transaction will proceed as if it were a credit card you were using. The visa debit card will still be accepted its just the retailer will get charged the same amount as if it were a credit card.

    But if the retailer isn't setup for Visa debit then where is the money for the sale going to come from since I don't have a Visa credit card? The card isn't Laser or Maestro so how can he get paid?


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    #179
    28064212
    Registered Users Posts: 10,471 ✭✭✭✭28064212


    coylemj wrote: »
    But if the retailer isn't setup for Visa debit then where is the money for the sale going to come from since I don't have a Visa credit card? The card isn't Laser or Maestro so how can he get paid?
    The money will come from the exact same place as it would if the retailer was set-up for Visa debit. The only difference is the charge to the retailer.

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    #180
    jaydoxx
    Registered Users Posts: 334 ✭✭jaydoxx


    Hi I just set up an account with AIB yesterday and I'm to get my card in the coming week. My question is can I switch to a Visa debit card or am I stuck with this until it expires? If I can get a visa debit card, will I be charged to replace it?


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    #181
    Cushie Butterfield
    Registered Users Posts: 1,861 ✭✭✭Cushie Butterfield


    jaydoxx wrote: »
    Hi I just set up an account with AIB yesterday and I'm to get my card in the coming week. My question is can I switch to a Visa debit card or am I stuck with this until it expires? If I can get a visa debit card, will I be charged to replace it?
    AFAIK they haven't started to issue the Visa Debits yet so the chances are that you'll be sent a Laser. I assume if you ask to change before you have been automatically issued a Via Debit that you'll be charged.

    Of course if the Laser were to get accidentally lost or damaged after they have begun to issue they might not charge for a replacement Visa Debit, though if the account is very new they might.


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