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Current Accounts Comparison

  • 22-06-2016 11:27am
    #1
    Zombienosh
    Closed Accounts Posts: 6,911 ✭✭✭


    Hi!

    I'm currently with BOI - current account, have no real issues with them but comparing banks it does seem to be one of the more expensive current accounts.

    I'm struggling to see what I get for paying higher day to day banking fees compared to the likes of PTSB or Ulster.

    Anyone got any recommends? or insight?

    http://compare.consumerhelp.ie/CurrentAccountCompare.aspx?i=165,68,414,71,#11


Comments

  • #2
    xpletiv
    Registered Users, Registered Users 2 Posts: 1,110 ✭✭✭xpletiv


    Been with PTSB for a few years now after the fees scandal came to, closed my AIB and Ulster Bank accounts for it. So long as you have 1500 in your account at some stage in the month, even if transfering in savings, there are no fees. Highly recommended.


  • #3
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,799 ✭✭✭Delta2113


    xpletiv wrote: »
    Been with PTSB for a few years now after the fees scandal came to, closed my AIB and Ulster Bank accounts for it. So long as you have 1500 in your account at some stage in the month, even if transfering in savings, there are no fees. Highly recommended.



    This account is no longer available.


  • #4
    JTMan
    Registered Users, Registered Users 2 Posts: 5,558 ✭✭✭JTMan


    Zombienosh wrote: »
    Hi!

    I'm currently with BOI - current account, have no real issues with them but comparing banks it does seem to be one of the more expensive current accounts.

    I'm struggling to see what I get for paying higher day to day banking fees compared to the likes of PTSB or Ulster.

    Anyone got any recommends? or insight?

    http://compare.consumerhelp.ie/CurrentAccountCompare.aspx?i=165,68,414,71,#11

    KBC will give you free banking, via their Extra account, provided you deposit at least 2,500 EUR, per month.


  • #5
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,799 ✭✭✭Delta2113


    EBS Money Manager is the way to go as long as you don't mind no cheque book available, basic online banking and no mobile app.

    http://compare.consumerhelp.ie/CurrentAccountCompare.aspx?i=239,801,


  • #6
    Zombienosh
    Closed Accounts Posts: 6,911 ✭✭✭Zombienosh


    Delta2113 wrote: »
    This account is no longer available.

    They have this new explorer account.
    You earn money per transaction, limited to 5 euros at most.
    But that's enough to cancel out fees, if you use your card 50 times.

    https://www.permanenttsb.ie/whatweoffer/current-accounts/current-account/


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  • #7
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,799 ✭✭✭Delta2113


    50 times a month -no chance PTSB - bad current account offering -steer clear.


  • #8
    Zombienosh
    Closed Accounts Posts: 6,911 ✭✭✭Zombienosh


    Delta2113 wrote: »
    50 times a month -no chance PTSB - bad current account offering -steer clear.

    even if you don't make the 50 transactions, their fees are still only €4 per month. which is cheaper than AIB or BOI


  • #9
    coylemj
    Registered Users, Registered Users 2 Posts: 25,622 ✭✭✭✭coylemj


    Delta2113 wrote: »
    EBS Money Manager is the way to go as long as you don't mind no cheque book available, basic online banking and no mobile app.

    http://compare.consumerhelp.ie/CurrentAccountCompare.aspx?i=239,801,

    +1 Up to 5 ATM withdrawals per month, VISA Debit card (not contactless), unlimited SOs and DDs, electronic transfers/pay a bill via the website (no mobile app as stated above) and no fees.


  • #10
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,799 ✭✭✭Delta2113


    Zombienosh wrote: »
    even if you don't make the 50 transactions, their fees are still only €4 per month. which is cheaper than AIB or BOI

    - If you are happy to pay €4 a month when you don't have to -fair enough but EBS Money Manager is a FREE option provided no mobile app etc. is not a problem.


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