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Hi all, please see this major site announcement: https://www.boards.ie/discussion/2058427594/boards-ie-2026

Bank of Ireland moves from Laser to Visa Debit

245

Comments

  • #32
    Novella
    Registered Users, Registered Users 2 Posts: 13,713 ✭✭✭✭Novella


    I have an Ulster Bank Visa debit card. Love that thing. Left BOI for Ulster Bank, and UB are waaaaaaay better.


  • #33
    ejmaztec
    Registered Users, Registered Users 2 Posts: 24,350 ✭✭✭✭ejmaztec


    Maddison wrote: »
    Yayyyyy!!!!Bank wont give me a credit card cuz I is cr*p with money sooo yayyyyy!!!But Im thinking of abandoning BOI at the mo as they make me angry.

    Is that you Brian?:confused:


  • #34
    not1but4
    Registered Users, Registered Users 2 Posts: 264 ✭✭not1but4


    Sweet, I was considering moving to UB for the very reason of a Visa Debt. Though have to wait 6 months before they start replacing them.


  • #35
    Sisko
    Registered Users, Registered Users 2 Posts: 2,910 ✭✭✭Sisko


    Could I do online shopping with this? (Unlike the Laser)


  • #36
    FreudianSlippers
    Registered Users, Registered Users 2 Posts: 20,396 ✭✭✭✭FreudianSlippers


    Sisko wrote: »
    Could I do online shopping with this? (Unlike the Laser)
    Yes


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  • #37
    LowOdour
    Registered Users, Registered Users 2 Posts: 2,877 ✭✭✭LowOdour


    As a BOI customer, do i have to wait until they issue me a visa debit card for my laser card or can i go and apply for it now?


  • #38
    kraggy
    Closed Accounts Posts: 6,414 ✭✭✭kraggy


    They say that they will be accepted anywhere Visa Credit Cards are accepted but Ryanair don't accept Visa Debit I don't think, just Visa Electron.

    Visa Electron is a debit card but it is a different type of debit card to the normal Visa Debit Card.


  • #39
    prinz
    Registered Users, Registered Users 2 Posts: 14,598 ✭✭✭✭prinz


    For everyone saying they are having no problems have they been checking their bank statements to make sure all their Debit card payments have actually been made?

    Have been using Visa Debit with UB for a few months now, and I have had a couple of issues, usually with small stores. Some smaller shops are using a POS card reader machine which registers the payment at the till, but the payment instruction is not getting through to the bank. Has happened me twice before and am awaiting a third case now where I bought about €50 euro worth of stuff nearly two weeks ago in a shop and my account hasn't been charged yet. Before anyone asks I have made the shops and the bank aware and have paid up.


    Not going to name the shops involved for obvious reasons.


  • #40
    JohnK
    Registered Users, Registered Users 2 Posts: 4,775 ✭✭✭JohnK


    Anyone know if these cards are the same ones that dont impose that CC surcharge on ryanair bookings? Or is that just way too much to hope for?


  • #41
    etchyed
    Registered Users, Registered Users 2 Posts: 674 ✭✭✭etchyed


    kraggy wrote: »
    They say that they will be accepted anywhere Visa Credit Cards are accepted but Ryanair don't accept Visa Debit I don't think, just Visa Electron.

    Visa Electron is a debit card but it is a different type of debit card to the normal Visa Debit Card.
    Nope, Ryanair of course accept Visa Debit.

    Visa Electron is not necessarily a debit card, it can be a credit card too.

    Your confusion may stem from the fact that for a while Visa Electron was the only card that Ryanair would accept without levying a €5 per passenger per flight charge. As Visa Electron cards are so rarely issued (and not issued at all in Ireland) this was a sneaky way for Ryanair to describe as an "optional extra" a charge that was unavoidable for most of its customers.

    They've since changed their no-charge payment method to Mastercard prepay.

    EDIT: Think I inadvertently answered your question there JohnK. To be clear, no, it's not that kind of card. Ryanair have now moved to Mastercard prepaid. Even before they did, it was with Visa Electron (and not Visa Debit) that you could avoid the charges. Entropay offer a prepaid Mastercard service and it can be used to avoid Ryanair charges but there's a charge so it only works out as better value if you're booking a lot of segments (a lot of flights or a lot of people on one flight). Haven't used it in a while so I'm not sure what the breakeven point is.


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  • #42
    kraggy
    Closed Accounts Posts: 6,414 ✭✭✭kraggy


    etchyed wrote: »
    Nope, Ryanair of course accept Visa Debit.

    Visa Electron is not necessarily a debit card, it can be a credit card too.

    Your confusion may stem from the fact that for a while Visa Electron was the only card that Ryanair would accept without levying a €5 per passenger per flight charge. As Visa Electron cards are so rarely issued (and not issued at all in Ireland) this was a sneaky way for Ryanair to describe as an "optional extra" a charge that was unavoidable for most of its customers.

    They've since changed their no-charge payment method to Mastercard prepay.

    EDIT: Think I inadvertently answered your question there JohnK. To be clear, no, it's not that kind of card. Ryanair have now moved to Mastercard prepaid. Even before they did, it was with Visa Electron (and not Visa Debit) that you could avoid the charges. Entropay offer a prepaid Mastercard service and it can be used to avoid Ryanair charges but there's a charge so it only works out as better value if you're booking a lot of segments (a lot of flights or a lot of people on one flight). Haven't used it in a while so I'm not sure what the breakeven point is.

    Jesus, as a result of your post, I've just checked ryanair.com and they're now taking Laser????!!!

    Since when? :eek:

    EDIT: Just checked, they've been accepting Laser since last December!!

    Aarrgghhhh!...


  • #43
    Walkman
    Registered Users, Registered Users 2 Posts: 4,224 ✭✭✭Walkman


    Also been using a visa debit care issued by Ulster Bank for the last couple of months now with no problems except my wife was trying to register her care with 3 for on line top up and it wouldn't recognise the card. She's moved to bill pay now so no issues my with the card.


  • #44
    etchyed
    Registered Users, Registered Users 2 Posts: 674 ✭✭✭etchyed


    kraggy wrote: »
    Jesus, as a result of your post, I've just checked ryanair.com and they're now taking Laser????!!!

    Since when? :eek:

    EDIT: Just checked, they've been accepting Laser since last December!!

    Aarrgghhhh!...

    I can't really remember a time when they didn't tbh, but I can't be sure.

    EDIT: Sorry, stand corrected.


  • #45
    Clonlad
    Closed Accounts Posts: 2 ✭Clonlad


    El Weirdo wrote: »
    I've had a Visa debit from Ulster Bank for ages now. No problems except for one shop saying that they couldn't give me cash back on it.

    what the problem with the cash back just a once off???


  • #46
    Hells Belle
    Registered Users, Registered Users 2 Posts: 617 ✭✭✭Hells Belle


    Got my PTSB visa debit when I broke my laser last month, no issues apart from the cash back, my local shop wont give me cash now but supermarkets and large shops usually offer it. PTSB said that some small retailers are using older machines and it doesn't give the option of cashback. Its a pain in the arse because I'm miles away from the nearest ATM.


  • #47
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    Greyson Putrid Lioness wrote: »
    http://www.irishtimes.com/newspaper/breaking/2010/1029/breaking18.html


    This is really useful, especially since they took my credit card away from me:mad:

    Are they finally copping on, then?
    Bank of Ireland offering something Halifax (RIP) and Ulster Bank have been offering for ages now... what next? Will Bank of Ireland actually start to offer some form of nearly sensible online services? Where will it end?


  • #48
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    Maddison wrote: »
    Yayyyyy!!!!Bank wont give me a credit card cuz I is cr*p with money sooo yayyyyy!!!But Im thinking of abandoning BOI at the mo as they make me angry.

    I did it years ago and never looked back. As bad banks go, they have to be the worst.


  • #49
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    Gunsfortoys wrote: »
    Visa isn't going to work properly for a while. TSB have brought them out and have had nothing but complaints. Apparently, shops need to upgrade their chip and pin devices as the Visa debit doesn't work in a lot of them at the moment.

    I've had Visa Debit cards for near enough 3 years now, and never had a single issue with them...


  • #50
    diceyreilly
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭diceyreilly


    If i phone the bank and tell them i lost my card will i get one of these, so handy the Laser is worse than useless..


  • #51
    selfbuildkk
    Registered Users, Registered Users 2 Posts: 226 ✭✭selfbuildkk


    Most importantly what about Lidl?will they accept them.Thats where I use my laser card the most, and they dont accept credit cards.


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  • #52
    prinz
    Registered Users, Registered Users 2 Posts: 14,598 ✭✭✭✭prinz


    selfbuildkk wrote: »
    Most importantly what about Lidl?will they accept them.Thats where I use my laser card the most, and they dont accept credit cards.

    Yes.


  • #53
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    selfbuildkk wrote: »
    Most importantly what about Lidl?will they accept them.Thats where I use my laser card the most, and they dont accept credit cards.

    They don't, and neither does Aldi.
    Mind you, I think they're the last two chains in Ireland not accepting credit cards, and the visa debit works wherever Visa is accepted.
    It's perfect for online, I find.


  • #54
    prinz
    Registered Users, Registered Users 2 Posts: 14,598 ✭✭✭✭prinz


    Shenshen wrote: »
    They don't, and neither does Aldi..

    :confused: I have used mine in Aldi plenty of times.


  • #55
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    prinz wrote: »
    :confused: I have used mine in Aldi plenty of times.

    I've never been able to use mine.
    They've got big signs up saying Laser accepted, but no credit cards.

    Google tells me that no Aldi stores accept Visa, with the exception of Aldi in Australia.


  • #56
    prinz
    Registered Users, Registered Users 2 Posts: 14,598 ✭✭✭✭prinz


    Shenshen wrote: »
    I've never been able to use mine.
    They've got big signs up saying Laser accepted, but no credit cards.

    The new cards are debit cards not credit. There's not a whole lot of difference between an Ulster Bank Laser card for example and an Ulster Bank Visa Debit card. They should accept a visa debit.

    Here's a thread from last November on it http://www.boards.ie/vbulletin/showpost.php?p=63171306&postcount=5


  • #57
    prinz
    Registered Users, Registered Users 2 Posts: 14,598 ✭✭✭✭prinz


    Shenshen wrote: »
    Google tells me that no Aldi stores accept Visa, with the exception of Aldi in Australia.

    Not VISA credit cards. Here's LIDL http://www.lidl.ie/ie/home.nsf/pages/c.service.au.sl.ser VISA DEBIT OK.


  • #58
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    prinz wrote: »
    The new cards are debit cards not credit. There's not a whole lot of difference between an Ulster Bank Laser card for example and an Ulster Bank Visa Debit card. They should accept a visa debit.

    Here's a thread from last November on it http://www.boards.ie/vbulletin/showpost.php?p=63171306&postcount=5

    I can only quote Aldi's web-page... and the fact that they've never been able to process my debit card on the few occasions I forgot and gave it to them.


  • #59
    prinz
    Registered Users, Registered Users 2 Posts: 14,598 ✭✭✭✭prinz


    Shenshen wrote: »
    I can only quote Aldi's web-page... and the fact that they've never been able to process my debit card on the few occasions I forgot and gave it to them.

    Sounds like your ALDI is rubbish, or else you are still referring to a credit card.

    Another post from last January re Visa Debit...

    http://www.askaboutmoney.com/showpost.php?p=981934&postcount=4
    Debit cards are also accepted in the USA, the UK, Austria, Belgium, Denmark, France, Portugal, Spain, the Netherlands, Switzerland, Ireland, Australia, Slovenia and Hungary.

    ALDI wikipedia. The reference to Australia is for VISA Credit...


  • #60
    Battleflag
    Registered Users, Registered Users 2 Posts: 856 ✭✭✭Battleflag


    Too late BOI, I've already moved everything over to Ulster Bank - good luck!


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  • #61
    Mark200
    Registered Users, Registered Users 2 Posts: 3,536 ✭✭✭Mark200


    Kinetic^ wrote: »
    Now if they'll work on their online banking system to work on more then just IE.

    Works fine for me in Chrome. Never tried it in Firefox.

    I'm happy to hear this news though, it's annoying not being able to buy anything online with a laser card... but didn't think it was worth getting a credit card for.


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