So who are you currently banking with?

drdeadlift · 09-12-2010 02:43PM #1

So who are you currently banking with? and have you moved from one to the another recently?

I moved over a year ago from boi to Ulster bank,after paying back what i owed to boi about 3k they closed down my accounts and told me to start a relationship with a new bank.

yermandan · 09-12-2010 02:45PM

drdeadlift wrote: »

So who are you currently banking with? and have you moved from one to the another recently?

I moved over a year ago from boi to Ulster bank,after paying back what i owed to boi about 3k they closed down my accounts and told me to start a relationship with a new bank.

Why did your bank break-up with you?? Never heard of this

Cheap Thrills! · 09-12-2010 02:46PM

drdeadlift wrote: »

So who are you currently banking with? and have you moved from one to the another recently?

I moved over a year ago from boi to Ulster bank,after paying back what i owed to boi about 3k they closed down my accounts and told me to start a relationship with a new bank.

So, what you're saying is....the bank broke it off with you?

alwaysadub · 09-12-2010 02:47PM

AIB. Been with them since i was about 16 and can't be arsed changing.

godscop · 09-12-2010 02:47PM

alwaysadub wrote: »

AIB. Been with them since i was about 16 and can't be arsed changing.

Swiss bank account...:D

drdeadlift · 09-12-2010 02:47PM

yermandan wrote: »

Why did your bank break-up with you?? Never heard of this

I didnt give her money back quick enough,i paid them back in full.Funny as so many of my friends owed them so much and they dont have any problems.
I was seeing ****ing red!

Run_to_da_hills · 09-12-2010 02:48PM

Ulster for Current account.

AIB for Credit card.

Obtain most of my loans etc from credit union.

admiralofthefleet · 09-12-2010 02:54PM

alwaysadub wrote: »

AIB. Been with them since i was about 16 and can't be arsed changing.

i was going to say the very same thing

Notorious97 · 09-12-2010 02:54PM

PTSB and havent had a problem ever with them. Wouldnt piss on AIB or BOI if they begged me haha

Jaxxy · 09-12-2010 03:07PM

Where's the "I don't bank" option?

I will choose other. Don't have any bank accounts anymore. It is wonderful.

SV · 09-12-2010 03:07PM

Ulster and they're brutal.

jester77 · 09-12-2010 03:11PM

Was with AIB but moved most of my money out of there last month. If they can't manage their own then there is no way I am letting them manage mine.

dirtyghettokid · 09-12-2010 03:11PM

my main account is AIB

and has been since i was 18. i opened up an account in UB back in 06 because i wanted rid of AIB then... but they wouldn't give me a credit card, so i kept my AIB account open only because i had a credit card with them.
think i'm going to close my account in AIB in the new year regardless now. you can get prepaid credit cards these days anyway..

dirtyghettokid · 09-12-2010 03:13PM

JaxxYChicK wrote: »

Where's the "I don't bank" option?

I will choose other. Don't have any bank accounts anymore. It is wonderful.

haha that's awesome. sure who needs a bank when we're all broke anyway?

jimthemental · 09-12-2010 03:16PM

I was a week late on a €30 repayment to AIB and they sent me a solicitors letter so I went mental over it. Still repaying but they closed my bank account since without telling me. I just noticed I didn't have internet access one day. Still paying them off and I'll just leave it at that. Once that is done with I will never darken those bastárds door again. They were unbelievably bad to deal with and it was only a small student loan. Ulster have been brilliant to deal with and the loan is the same size.

Mr. Manager · 09-12-2010 03:29PM

I had a 3 year loan of €7,000 missed one payment and BoI gave me a bad credit rating. I shut down my account immediately and moved to NIB. Opened my account and within less than a week I had a loan for €10,800

BoI also wouldn't give my OH a laser card because her payments into her account were too sporadic. She works 2 jobs, one taxed, one not. Avg month is ~€2,000 - never less than €1,500 and they refused.

Joke of a Bank

AnonoBoy · 09-12-2010 03:30PM

JaxxYChicK wrote: »

Where's the "I don't bank" option?

I will choose other. Don't have any bank accounts anymore. It is wonderful.

How do you get paid?

Xavi6 · 09-12-2010 03:33PM

Cereal Rapist wrote: »

I had a 3 year loan of €7,000 missed one payment and BoI gave me a bad credit rating. I shut down my account immediately and moved to NIB. Opened my account and within less than a week I had a loan for €10,800

BoI also wouldn't give my OH a laser card because her payments into her account were too sporadic. She works 2 jobs, one taxed, one not. Avg month is ~€2,000 - never less than €1,500 and they refused.

Joke of a Bank

So when the banks were under cautious about lending it fecked the country over but when they're over cautious they're also a joke?

Shenshen · 09-12-2010 03:34PM

Ulster, these days.

I started out on BOI when I first came to Ireland 8 years ago, and from the start just couldn't believe the crap service, but was told that this was the norm for Irish banks.
When they finally went and transferred my money without authorisation, I decided enough was enough and gave Halifax a try.

I loved them, I truely did. Best bank I was ever with in my life. And then they had to up and leave and stop business in Ireland, it left me deriously distressed.
Ulster is now the next best thing. Not as good as Halifax was, but at least acceptable and reasonable.

Nobody here could pay me enough money to ever go back to BOI, though, I can tell you that.

muckwarrior · 09-12-2010 03:35PM

Poll should be multiple choice.

Twin-go · 09-12-2010 03:37PM

spankwire...........

Oh, Banking!!!:o

AIB:mad:

Shenshen · 09-12-2010 03:37PM

Xavi6 wrote: »

So when the banks were under cautious about lending it fecked the country over but when they're over cautious they're also a joke?

I do think there's a difference between talking unemployed people into 110% mortgages and going postal over one late payment of an otherwise good customer.

Mind you, BOI seemed to be quite happy to do both, even during the boom years.

Jaxxy · 09-12-2010 03:38PM

AnonoBoy wrote: »

How do you get paid?

I work for An Post and get paid via PostPay. I can call into any post office with my work card, they swipe it and hand over me monies.

Biggins · 09-12-2010 03:39PM

Have a number of accounts spread over various banks.

drdeadlift · 09-12-2010 03:41PM

Shenshen wrote: »

Ulster, these days.

I started out on BOI when I first came to Ireland 8 years ago, and from the start just couldn't believe the crap service, but was told that this was the norm for Irish banks.
When they finally went and transferred my money without authorisation, I decided enough was enough and gave Halifax a try.

I loved them, I truely did. Best bank I was ever with in my life. And then they had to up and leave and stop business in Ireland, it left me deriously distressed.
Ulster is now the next best thing. Not as good as Halifax was, but at least acceptable and reasonable.

Nobody here could pay me enough money to ever go back to BOI, though, I can tell you that.

Well now i wouldn't be getting too stressed about the choice,but boi are well behind the rest.I guess we have ourselves to blame for them carrying on like this,what would happen if everyone switched from boi to ulster overnight?

ismiseuisce · 09-12-2010 03:43PM

BOI. I have an AIB account also but I don't use it.

I went on a trip across Europe after my first year of college and I put all of my money into my AIB account before I left. When I arrived in Paris, I tried to take out money and my card wouldn't work. I rang AIB and they didn't care at all.

I know there probably wasn't much they could do but their customer care person was so rude to me. I was an 18 year old alone in France with no money and they didn't give a f*ck. I haven't used that account since then.

BOI have been pretty sound to me with loans and overdrafts when I have needed them so far. Mind you, I am a student with a steady income from my grant so I suppose they don't have to worry much about me not being able to repay.

I usually just use those facilities when Mayo co. co. decide to not pay my grant on time and I'm left in financial limb waiting on it.

rossie1977 · 09-12-2010 03:43PM

anglo, they have been great to me, loans of any amount at any time, no questions asked

ejmaztec · 09-12-2010 03:44PM

Notorious97 wrote: »

PTSB and havent had a problem ever with them. Wouldnt piss on AIB or BOI if they begged me haha

They still pissed on you though:pac: (and the rest of us):(

Shenshen · 09-12-2010 03:48PM

drdeadlift wrote: »

Well now i wouldn't be getting too stressed about the choice,but boi are well behind the rest.I guess we have ourselves to blame for them carrying on like this,what would happen if everyone switched from boi to ulster overnight?

They would all have unproblematic access to phone and online banking (no messing about with waiting for a letter to be sent to you before they allow you to tranfer money and the like) and would be able to go to their bank on a Saturday morning, rather than taking half a day off for the privilege.

Yes, BOI is so bad because customers allowed them to be, certainly. I've often wondered about that, though. People know it's sh*te, but can't be arsed to switch???

Immaculata · 09-12-2010 03:50PM

I used to be with AIB. And boy, do I regret it.

Their service was crap but it was too much hassle to change banks. Several years ago, I rang them before I went backpacking to let them know that I was going and to tell them my itinerary, so they wouldn't freak out at my credit card and cash card being used in various countries. But obviously they didn't make a note on my file and cut me off at various times and it took a lot of expensive long distance phone calls to sort it. Eventually, when I was in Istanbul, towards the end of my trip, they did it again and I didn't have any cash on hand that time. If it wasn't for a kindly fellow backpacker, I would have been in big trouble with no money for essential meds. When I got back to Ireland, I closed my account. In fact, I slammed it shut.

They then wrote to me years later and told me that they'd messed up and overcharged me for some currency transactions; what was my current bank account number so they could refund me? They then took money out of my new bank account (!) instead of putting it in! Eventually I got it all sorted out but frankly, even BoI, who aren't exactly paragons of efficiency themselves, are better than AIB, which is like saying being poked in the eye by a twig is better than being poked in the eye by a branch.

Not that I'm bitter.

Joey the lips · 09-12-2010 03:51PM

NIB....

So who are you currently banking with?

Who are you banking with? 283 votes

Comments