Banking quarterly fees

I'm with AIB and have a mortgage with them so get refunded. But the last 2 were €23 and €28. Don't use the ATM either.

My quarterly fee was about €9, but then I am stingy.

I have as few as possible direct debits, think it's 3 regular, and use the ATM inside branches to withdraw the max limit of €1,500 in cash which I use for payments wherever possible.

having your mortgage with AIB and no fees is a nice touch . Small beer compared to the mortgage but at least no niggily fee statement every quarter

If you can put up with no mobile app and a website which is not mobile-friendly, there are no charges for an EBS Money Manager account. It's good for direct debits and online transfers and you will get a contactless ATM/debit card. Which is not supported by Google Wallet.

Has anyone moved to revolut full time to avoid these fees?

If you want Google/Apple Pay you can get a https://www.curve.com/en card and link it to your EBS card. Another option is to just use EBS to top up your Revolut card.

Setting up a standing order is via a PDF which can be emailed other than that I'm pretty happy with EBS.

No. Way too risky. It's fine for a second account and they offer some good functionality but they don't have any support for when their automation inevitably fails. Too many horror stories (look at the reddit!)

AIB is my main account and last quarter fees were ~ €15. 3 direct debits, and debit card used only for cash maybe twice a month. Otherwise everything goes on the credit card and is paid off monthly.

For tap, N26 for daily stuff (topped up from AIB once a month), or credit card for more expensive stuff (all via google pay)

Small balance in Revolut, just for splitting bills when out or sending money for birthdays etc.

Ptsb sent out letter today advising their quarterly fees would increase from €18 to €24 effective 25/06. I only noticed on the app over weekend that they've taken €18 in December and March, previously there was no charge on my account. Time to move bank!

I'm with BOI and pay a fixed fee of €6 a month. They used to have free fees if you kept your bank balance above a certain amount, but they abandoned that a while back. I also pay overdraft interest and an annual overdraft facility fee of €30 per annum, but neither is applicable if you don't need or have an overdraft. In which case, congratulate yourself for your prudent and sensible financial management.

If you do have a small overdraft, my advice is pay it off as soon as you can, and cancel the facility, you get screwed on the interest (though granted, not as badly as if you let a credit card balance run). Alternatively take out a small short term personal loan to repay the o/d. I would do same if I had the funds, currently on the dole so don't.

PTSB crucially also from this month have reduced the debit card cashback from 10 cent to 5 cent with a maximum of €5 cashback which is 100 card transactions which not many if anyone will ever do anyway

Explore account €2 fee increase plus 50% reduction in cashback is beyond an inflation busting piss taking increase. Someone making 30 debit card transactions in March would be paying €3 net fees, now in April you are paying €6.50 net fees

No.

The poster you quoted is advising you to cancel the overdraft facility. I agree 100% as it's crazy to be paying €25 annually for an overdraft facility of just €500. And you're paying interest on top. Clear it and learn to stay in the black.

Dec 2023 fees were €0. Have been for years as i kept my balance above €2500. PTSB

Jan 1st €18 per quarter.

Letter in the other day now going to be €24 per quarter.

Have the forms printed out. A/C will be closed in the next week or so.

Use it for about 10 transactions a month. Can/Will deffo live without it.

I called to local Ptsb branch on Tuesday, to merge a cheque book account with main current account, until I get EBS account up and running, then I'll close Ptsb completely. On the statement dated 26/04 they said there would be €18 quarterly fee taken from cheque book account 21 days from statement, they insisted on taking this charge plus another €18 before account could be closed. I stated that I wanted to submit a complaint, that these fees were not warranted as the date had not been reached. They said they'd pass it on to head office and I'm not the first that has complained. Anyway here's an up to date current account comparison : https://www.ccpc.ie/consumers/money-tools/current-account-comparison/