Anyone know if EBS supports the Curve card? Its similar to Revlout but you dont need to top it up, it just takes money from the bank account it is connected too.
Also whats peoples experience of transferring between EBS and Revlout, Their website is pretty clunky but other than that is it reliable and seemless? Im thinking of using either Revlour or Curve as my main card for online purchases and contactless but am wary as the EBS online offering isnt great and doesnt inspire confidence. I dont want to be in a situation where I try to transfer 50 quid to Revlout at midnight and the EBS site assumes there is fraud going on and blocks the transaction. Like apart from the crap website does it actually work for transfers 99% of the time?
Definitely a good procedure but this can also be achieved using a pin guarded two factor authentication with a mobile phone and funnily enough since I made that post, that is exactly what EBS has done! It still takes a number of hours for the payee to become active after you authenticate.
The other changes since that post is the interest rate of 1.75% on the family savings account is gone and I did indeed get a contactless card.
One other good piece of advice I have is you need to have Revolut set up alongside EBS for the best of both worlds especially if you're big into online shopping. EBS charge very steep fees for foreign currency payments so if you pay for something in sterling like on Amazon with your EBS card you will get a nasty surprise.
I'm considering moving completely online. I've been using Transferwise (now called 'wise') for years and it's great. No fees, Low xc rates, physical and virtual cards, nice user interface, no apps required at all.
your going to struggle to find a bank so, as most will require some sort of authentication via app to use banking on a laptop.
Why, when they have a lot of clientele in the city, making healthy profits on mortgages and loans..
Businesses need to serve the needs of customers not the other way around .
The post you quoted is almost three years old and the procedure it described for adding a payee no longer applies. You don’t have to phone them to activate a new payee.
You say this but it still takes the bank up to 4 days to complete a transfer. Maybe they should practice what they preach.
Links and mobiles the tech way these days!!
Prob a good procedure to ensure that a payee has been added by the true account holder.
Ah sorry I missed that post thanks for the explanation. I actually opted for the little widget that bank of ireland send out if you don't have a smartphone as I hate those stupid authenticator apps. BOI has quite a good online system but I despise seeing the €6 gone out of my account every month and am willing to move out of spite alone.
The requirement for an app is putting me off EBS now though.
frontline desks understaffed you can be waiting from walking in to being served 20 minutes on a bad day in Liffey St… one of the last times was a Monday, about 12.30… one person serving the clientele…
West Moreland St. branch was better but they went and closed it…
It's unrealistic to expect them to continue to pay city centre rents, staff those branches and offer free current accounts!
Bank of Ireland charges €6 per month, they also have understaffed branches and they've closed plenty of them.
Ok thanks for all that, good to know what I'm potentially getting myself into.. as you say its free [or almost] so one gets what they pay for, cheep and cheerful, basic, sort of bog standard but all accounts..
EBS branch staff members don't tell you any of this, [and I talked to quite a few already]
See post #28.
If you want to logon to Bank of Ireland on a laptop, you have to authenticate via a mobile app. Though unlike EBS, BoI allows you to have multiple mobile devices to do this step so you can pick a registered (on your customer profile) tablet or phone off a menu when loging in and the challenge will be sent to the BoI app on that device.
Been banking with EBS since my teens so about 25 years…
bad points as in now….
crap online banking..
late statements
I would also like to know this. Not a fan of having to link anything to an app on a phone.
It's free. Which means i have a high tolerance for glitches. Adding new payees is a breeze. Just don't expect to login on the hoof, the website is not mobile friendly and there is no mobile app.
My main gripe is that there is a daily limit of €5,000 when it comes to transfers and that includes moving money between your accounts. So, let's say you have a credit card bill of €3,000 and you want to use money in a deposit account to pay it. Bank of Ireland will allow you to pay a CC bill direct from a deposit account but EBS will not. So you login to your EBS accounts and transfer €3,000 from a savings account to your MM account. But now you can't pay the whole bill because that would bust the daily €5,000 limit. So you either pay 2,000/1,000 over two days or do nothing, come back the next day and pay the €3,000 in one go.
If you had €15,000 in a savings account and wanted to transfer it to the seller via EFT when buying a car, you'd have to move the money €2,500 at a time i.e. it would take twelve steps over six days (saving a/c => MM a/c => seller) to get the money to him. So you'd probably just get a draft.
thanks,
its kinds of sounds like a horror show... not very enticing to attach new customers.
what are your thoughts of the main customer service?
how about the process of adding new payees?
The preferred method of authenticating you is that you install an app called 'EBS Authenticator', that gets activated when you go to login on your laptop, a popup panel appears on your phone and you tap 'confirm'. If there's a problem communicating with your mobile, the app can be used to generate a one-off code which you can enter on the website to login.
The process can be frustrating at times, my record for login attempts is 5 i.e. I failed to login 4 times in a row before eventually getting in. The challenge on the app often fails to appear or sometimes when you tap 'confirm', it's not picked up by the website.
coylem,
thinking of opening the money manager account, you mentioned authentication codes through a phone app, I would be carrying out most activities via laptop/web based. Do EBS not send an authentication codes to a given mobile via a standard text which can then be inputted to an appropriate box in their web based platform? [same as what most Banks do]
of course! many thanks
Add your EBS debit card to Revolut.
Is it possible to transfer money from the Money Manager account onto a Revolut card? When i try to set up the Revolut card as a new beneficiary, i get a message about EEA IBAN accounts/numbers
Then I'd use the Revolut account for day to day spending and the EBS MM account to pay utilities and handle other regular direct debits.
Be aware that logging into EBS requires you to authenticate the login using a phone app and if you lose your phone or it's stolen, you could lose access to the account for several days because in order to activate the app on the replacement phone, you have to get a new authentication code which they will only send in a paper letter. It won't affect DDs and you can still withdraw money from ATMs but you won't be able to do any online transfers until you get the new phone sorted.
I've got a revolut account already yeah, it's just I'm not sure about having it as my primary bank, as in where my salary goes basically.
Still no fees and you no longer have to phone them to get a new payee activated. I’d consider also opening a Revolut account.
Thinking of switching to this bank now as my Ulster Bank one will be closing anyway soon. Any recent feedback on them?
coylemj wrote: » Surely the Central Bank always has an application pending from some financial institution looking to increase fees?
JTMan wrote: » The Indo reported recently that several banks have pending applications with the Central Bank of Ireland for fee increases. This might or might not include EBS.
NCW feen wrote: » Thanks. Any indication if that's going to change in the immediate future? Most banks seem to be introducing maintenance fees etc at the moment.
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