Eeeeh?? Excuse me? (Bank charge 3 euro to change a 500 note)

AAAAAAAHHH · 30-09-2010 11:37AM

fend wrote: »

As far as i thought, a bank was a public service.... No shop will change it.

In the meantime, what the hell am i supposed to do to change it? I refuse to pay €3 to breakdown money. That is absolutly crazy talk.

And id be very very surprised if anyone on this forum would willingly pay the €3.

Don't change it so.

Min · 30-09-2010 11:40AM

AAAAAAAHHH wrote: »

Labour?

No wonder the country is broke.

Sanjuro · 30-09-2010 11:41AM

Jesus, you poor thing. Are you sure you're all right? I mean, a trauma like that can really beat a person down. Have you considdered seeing a counsellor. I'm sure they'll be able to help you through this difficult time.

crazyderk · 30-09-2010 11:43AM

fend wrote: »

As far as i thought, a bank was a public service.... No shop will change it.

In the meantime, what the hell am i supposed to do to change it? I refuse to pay €3 to breakdown money. That is absolutly crazy talk.

And id be very very surprised if anyone on this forum would willingly pay the €3.

just pay the 3 euro and stop moaning. you say your bank is possibly ten miles away and they wont charge you, take into cost of possible petrol or public transport to your bank plus how much is your time worth?

My brother in law died of pancreatic cancer at the age of 35 two weeks ago (not looking for sympathy) but my point is there are far FAR more important things to be worrying/moaning about that paying 3 euro for a service of convenience!

back to your original problem though, I think the central bank is the only bank that is legally required to take 500 euro notes isn't it?

Funkfield · 30-09-2010 11:44AM

amacachi wrote: »

Why didn't you just lodge it then take it out at the ATM?

Captain Slow IRL wrote: »

Why didn't you just lodge it into your account and take it out at the atm?

Shryke wrote: »

You probably should have lodged that money and then taken it out later.

phasers wrote: »

What everyone else in the thread said

Why didn't you just lodge it and then use the atm? :pac:

alwaysadub · 30-09-2010 11:47AM

fend wrote: »

As far as i thought, a bank was a public service.... No shop will change it.

In the meantime, what the hell am i supposed to do to change it? I refuse to pay €3 to breakdown money. That is absolutly crazy talk.

And id be very very surprised if anyone on this forum would willingly pay the €3.

So you're gonna be stuck with a useless €500 for the sake of €3. Good for you. You stick to your guns. You'll be €500 poorer, but at least you've got your principles. :rolleyes:

bonerm · 30-09-2010 11:49AM

amacachi wrote: »

Why didn't you just lodge it then take it out at the ATM?

Presuming they'd upped the withdrawal limits on their accounts ... and had 500 in the account at that time?

Ridiculous charging for changing a note. Banks are pricks.

It's mickey mouse handling of issues like the OP's is stuff that'd have me changing banks. You were wrong to accept that explanation. I think I'd have been threatening them to shut my account down there and there if they tried to pull that stunt on me.

I'm convinced they even short-change you on coin-weighings too. Not even an official charge. Just a stealth charge on mugs. Basically they'll even scab over pennies.

Dravokivich · 30-09-2010 11:49AM

crazyderk wrote: »

back to your original problem though, I think the central bank is the only bank that is legally required to take 500 euro notes isn't it?

It's only Banks in general, it's not intended for public commerical use, AFAIK.

amacachi · 30-09-2010 11:50AM

Dravokivich wrote: »

Worked in a news agents once and someone asked me to give him change of €200, told him I can't break that...

then he asked for a packet of chewing gum... asked him if he had anythign else because i seriously couldn't break the €200.

Also... €500 notes don't have to be accepted in Shops and I'd be hard pressed to know of any that could break it.

Most I ever had in a float for a till was €130.

That was my point, I was being obtuse.

ch750536 · 30-09-2010 11:50AM

alwaysadub wrote: »

You'll be €500 poorer, but at least you've got your principles. :rolleyes:

No, he'll be €3 richer.

30-09-2010 11:51AM

you should have haggled offerred them €1.50 and bluffed, telling them that you often frequent another bank that charges that amount for that service and that you will not pay above that price, and if asked why you did not use that bank for that purpose, you could reply with " well i was thinking of opening a new account here and i wanted to check out the customer service first, etc" - they'd take your €1.50 then and throw a few forms in your direction. remember, in effect they work for you (assuming you are a taxpayer.)

of course the above strategy should be thought out clearly before entering the bank to ensure that you are not thrown by the situation!

Funkfield · 30-09-2010 11:53AM

You should have rammed the bank with a cement truck.

that'd learn em up good.

ch750536 · 30-09-2010 11:56AM

Am I the only one here who thinks this takes the piss? Jeebus Ireland, wake up. Talk about money for nothing.

This is a situation where a bank wants to make €3 in the space of about 10 seconds for absolutely nothing!

Next time you pay in €500 in change, tell them you are charging them €3 for the facility.

ffs@boards today.

Lukker- · 30-09-2010 11:58AM

We're to use to getting the ****ty end of the stick here, the majority of people just accept getting screwed these days. Probably why we are in this situation..

jackiebaron · 30-09-2010 12:00PM

The Dutch are notorious for their bureaucracy and lack of helpfulness. I wanted to pull 20 euros out of the ATM at the ABN-AMRO bank but the thing was out of order. I went inside and asked one of the tellers if I could withdraw 20 from my account since the machine was kaput. She told me that the minimum withdrawal was 100. Fine. I filled out a slip and withdrew a 100. Then filled out another slip and deposited 80. She just made work for herself. Bizarre some of these bank policies.

AAAAAAAHHH · 30-09-2010 12:22PM

Deleted User wrote: »

you should have haggled offerred them €1.50 and bluffed, telling them that you often frequent another bank that charges that amount for that service and that you will not pay above that price, and if asked why you did not use that bank for that purpose, you could reply with " well i was thinking of opening a new account here and i wanted to check out the customer service first, etc" - they'd take your €1.50 then and throw a few forms in your direction. remember, in effect they work for you (assuming you are a taxpayer.)

of course the above strategy should be thought out clearly before entering the bank to ensure that you are not thrown by the situation!

That's because we own these people, right?

TouchingVirus · 30-09-2010 12:31PM

So let me get this right:

You went into a bank that you're not a customer of, tried to change €500 into smaller notes, and "stormed out" when they tried to charge you? If I worked in Tesco I wouldn't expect my discount card to work for me in Dunnes...

Go to a bank you're a customer of, they'll either do it for free, or you can lodge it and take it out of the ATM like so many people suggested.

deisedevil · 30-09-2010 01:37PM

3 euro to break down a 500 is much too bloody high. Yes they should charge but that sounds bloody ridiculous and doesn't seem a fair price for handing out ten 50 euro notes, does it?

It's the same with the over the top charges when you miss a direct debit payment etc. they slap a huge charge on you for it that is way above what it actually costs them to deal with it. In England the banks are being taken to court all over the place by people who have been charged too much for certain things and winning their cases. Maybe we should be doing the same in this country.

TouchingVirus · 30-09-2010 01:39PM

I'd say the amount is set out in the Fees & Charges document. The OP did have alternatives, like a bank they were a customer of who'd do it for free.

I think prepay sandwiches are too expensive, as are products from O'Briens. I'm not going to take them to court over their pricing though, especially when I can get free sandwiches elsewhere.

Wile E. Coyote · 30-09-2010 01:50PM

BluesBerry wrote: »

Where did your mam get 500 note in the first place is what we all wanna know

It was the only cash I had on me at the time

mp3kid · 30-09-2010 01:50PM

TouchingVirus wrote: »

, especially when I can get free sandwiches elsewhere.

Tell me more about these free sandwiches ?

TouchingVirus · 30-09-2010 01:52PM

mp3kid wrote: »

Tell me more about these free sandwiches ?

It'll cost you €3, I've a big note I want to get changed.

MagicMarker · 30-09-2010 01:53PM

OP, you should cut the note up into 10 pieces, each of these pieces will be worth €50.

Alternatively, you can LODGE THE FúCKING MONEY AND TAKE IT OUT OF AN ATM LATER!!!!

Xavi6 · 30-09-2010 01:58PM

ch750536 wrote: »

Am I the only one here who thinks this takes the piss? Jeebus Ireland, wake up. Talk about money for nothing.

This is a situation where a bank wants to make €3 in the space of about 10 seconds for absolutely nothing!

Next time you pay in €500 in change, tell them you are charging them €3 for the facility.

ffs@boards today.

FFS yourself. All banks have fees in place. This one was most likely an 'Over the counter' fee, i.e. one charged for the teller being involved.

Banks are in the business of making money. I presume you're aware of that as you sound like one of those that would shout the odds about it often enough.

What do you expect? A free service with a business? Wake up tbh.

stupidusername · 30-09-2010 03:03PM

OP will you just tell us if you have an account with the bank or not? because essentially that's what defines whether or not this is a big deal.

but overall I wanna say just STFU!

Pace2008 · 30-09-2010 04:00PM

Am I the only one who thinks this deserves a place on the "Stingiest things you've seen stingy people do" thread?

Wertz · 30-09-2010 04:14PM

BluesBerry wrote: »

Where did your mam get 500 note in the first place is what we all wanna know

Selling cocaine/cattle/sexual services.

Delete as apropriate.

fend wrote: »

And id be very very surprised if anyone on this forum would willingly pay the €3.

I would....what use is a note that I can't spend anywhere?
With that in mind OP, I'll give you €498 for it in slightly soiled fivers and a fistful of 2 cent coin. Deal?