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why was I charged for a bank draft?

  • 04-02-2012 7:23pm
    #1
    augusta24
    Registered Users, Registered Users 2 Posts: 633 ✭✭✭


    I have a student account with BOI. Bought a bank draft a few months back and because my account is a student account they didn't charge me for the bank draft.
    Bought one for the same amount this week and was charged €2.40 .
    I know its not a lot of money but I'm just annoyed by stupid charges that BOI always slip onto my account and am just wondering was this a mistake or what has changed since the last time I bought one?


Comments

  • #2
    Jet Black
    Registered Users, Registered Users 2 Posts: 3,845 ✭✭✭Jet Black


    The only mistake was they didn't charge you the first time.


    http://www.bankofireland.com/fs/doc/wysiwyg/FeesandCharges_Third_level_2012.pdf

    bank.png


  • #3
    Rebel1977
    Registered Users, Registered Users 2 Posts: 802 ✭✭✭Rebel1977


    Could be a mistake, next time tell them your a student to ensure they dont charge u


  • #4
    Rochester
    Registered Users, Registered Users 2 Posts: 478 ✭✭Rochester


    50c of it is Government Stamp Duty which you would have to pay anyway.


  • #5
    augusta24
    Registered Users, Registered Users 2 Posts: 633 ✭✭✭augusta24


    Rebel1977 wrote: »
    Could be a mistake, next time tell them your a student to ensure they dont charge u

    I said it to the girl and she said there was still a charge


  • #6
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    Students don't pay quarterly transaction charges.

    They are liable for service charges.

    Purchasing a bank draft falls under the latter category.


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  • #7
    augusta24
    Registered Users, Registered Users 2 Posts: 633 ✭✭✭augusta24


    nlgbbbblth wrote: »
    Students don't pay quarterly transaction charges.

    They are liable for service charges.

    Purchasing a bank draft falls under the latter category.

    Ok thanks but why was I not charged last time?


  • #8
    snubbleste
    Banned (with Prison Access) Posts: 31,117 ✭✭✭✭snubbleste


    Tell the bank you were not charged the last time and offer to pay it now. :)


  • #9
    Jet Black
    Registered Users, Registered Users 2 Posts: 3,845 ✭✭✭Jet Black


    augusta24 wrote: »
    Ok thanks but why was I not charged last time?

    They may have to manually apply the fee. When you got the draft the first time they must have forgotten to do this.


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