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  • 19-12-2012 3:27pm
    #1
    Shinaynay
    Registered Users, Registered Users 2 Posts: 225 ✭✭


    i had €37 available in my a/c yestrday & took out €20. Tried to buy something today for €8 on my visa debit& it was declined. Printed a mini-statement which says the money for stuff I bought Penneys on the 14th was taken out today ? So now I am -€15?! Can anyone let me know why?


Comments

  • #2
    Bank of Ireland: Graham
    Closed Accounts Posts: 371 ✭✭Bank of Ireland: Graham


    Hi Shinaynay,

    We've had a similar question earlier where the information might help you:
    Bank of Ireland: Pat wrote: »
    Normally when you make a purchase using your Visa Debit card, your balance will be updated immediately and the transaction will show on your account with a description of 'DEBIT CARD'. Once the transaction has been fully processed by the retailer, the description will update with the name of the retailer.

    The delay that you've experienced may be down to the retailer that you have made the transaction with. For example, if the retailer is processing their transactions in batches, this would result in a delay before the transaction reaches your account in the first place.

    However, we've asked our technical team to investigate whether there were any system issues with updating transactions or balances in the last few days. We'll post back here when we have an update for you.

    Thanks,
    Graham


  • #3
    Shinaynay
    Registered Users, Registered Users 2 Posts: 225 ✭✭Shinaynay


    Bank of Ireland: Graham wrote: »
    Hi Shinaynay,

    We've had a similar question earlier where the information might help you:



    However, we've asked our technical team to investigate whether there were any system issues with updating transactions or balances in the last few days. We'll post back here when we have an update for you.

    Thanks,
    Graham

    Thanks for your reply! Guess I'll have to hold out on eating till I get paid at midnight.


  • #4
    Shinaynay
    Registered Users, Registered Users 2 Posts: 225 ✭✭Shinaynay


    ive gotten charged for the overdraft which is quite unfair. is this right?


  • #5
    Bank of Ireland: Laura
    Closed Accounts Posts: 414 ✭✭Bank of Ireland: Laura


    Hi Shinaynay.

    There is an annual charge of €25 for having an active overdraft facility in place on your account. This charge will increase to €30 on 18th February 2013.

    You can find more information on overdraft fees and charges here.

    If you wish to cancel the overdraft on your account, please contact your account holding branch or alternatively you may contact our Lending Department directly on 1890 365 100 and a representative will be happy to assist you.

    Hope this helps.
    Laura


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