why was I charged for a bank draft?

augusta24 · 04-02-2012 08:23PM #1

I have a student account with BOI. Bought a bank draft a few months back and because my account is a student account they didn't charge me for the bank draft.
Bought one for the same amount this week and was charged €2.40 .
I know its not a lot of money but I'm just annoyed by stupid charges that BOI always slip onto my account and am just wondering was this a mistake or what has changed since the last time I bought one?

Jet Black · 04-02-2012 10:35PM

The only mistake was they didn't charge you the first time.

http://www.bankofireland.com/fs/doc/wysiwyg/FeesandCharges_Third_level_2012.pdf

Rebel1977 · 04-02-2012 10:50PM

Could be a mistake, next time tell them your a student to ensure they dont charge u

Rochester · 04-02-2012 10:54PM

50c of it is Government Stamp Duty which you would have to pay anyway.

augusta24 · 05-02-2012 09:32AM

Rebel1977 wrote: »

Could be a mistake, next time tell them your a student to ensure they dont charge u

I said it to the girl and she said there was still a charge

nlgbbbblth · 05-02-2012 03:23PM

Students don't pay quarterly transaction charges.

They are liable for service charges.

Purchasing a bank draft falls under the latter category.

augusta24 · 07-02-2012 12:39PM

nlgbbbblth wrote: »

Students don't pay quarterly transaction charges.

They are liable for service charges.

Purchasing a bank draft falls under the latter category.

Ok thanks but why was I not charged last time?

snubbleste · 07-02-2012 12:42PM

Tell the bank you were not charged the last time and offer to pay it now.

Jet Black · 07-02-2012 01:44PM

augusta24 wrote: »

Ok thanks but why was I not charged last time?

They may have to manually apply the fee. When you got the draft the first time they must have forgotten to do this.

why was I charged for a bank draft?

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