AIB Visa Debit Card roll out thread

BroLo · 19-12-2012 12:26pm

As far as I know, if you don't request a new one, ie just get it, you keep your old PIN.

Solair · 20-12-2012 8:54pm

BroLo wrote: »

As far as I know, if you don't request a new one, ie just get it, you keep your old PIN.

Yeah, that's how mine worked anyway.
I didn't request one, it arrived in the post and the PIN was unchanged i.e. exactly the same as if it were a replacement Laser card.

If you request a new card, they cancel your old card and a new PIN will issue too.
Obviously, you can go to an ATM and change the PIN back to your preferred settings.

teddy b123 · 28-12-2012 12:20am

Just rang Card Services and asked to be upgraded to the new card.
Just told them I wanted a new visa debit card now before my branch rolls them out (Mid 2013 for mine it would seem)
Didn't see the point in lying to them saying I lost the current one or it "broke"
It's on it's way to me now

03-01-2013 8:29pm

I had no choice but to order a Visa Debit card. The magstripe is peeling off my Laser and they advised me not to use it as it could get stuck in an ATM. Was no issue though, she put through a request and I should have it mid next week.

14murphy · 08-01-2013 1:54pm

You can bend my laser in half so ordered it there. Took a while to get hold of someone ( I guess thats because it is lunch hour) but once I did it was ordered in less than 2 minutes.

15-01-2013 6:44pm

Got my card last week. Just a couple of things I noticed.

I withdrew cash from a BOI ATM on Saturday. It's still showing up in my Pending Transactions. Second, I withdrew cash from an Ulster Bank ATM today. After entering my PIN I got a warning that I may be charged cash advance fees (as if I was using a credit card).

Is this normal?

Random · 15-01-2013 7:08pm

i get the warning about cash advance fees most of the time with both my ub visa debit and my aib visa debit. seems normal to me and never get charged extra.

the pending transactions for atm seems a bit odd but at least its showing up. i usually find aib pretty quick to update for atms so not sure why that would be

i love this contactless payment thing although ive only used it abroad with my card so far!

Karen23 · 15-01-2013 7:49pm

My sister rang for one today , she said she was going on holiday and needed the visa and they wouldn't send her one. They said her branch won't be sending them out until May and she'll have to wait until then unless her card is lost but then they will deactivate her laser.

dotsman · 15-01-2013 9:10pm

Karen23 wrote: »

My sister rang for one today , she said she was going on holiday and needed the visa and they wouldn't send her one. They said her branch won't be sending them out until May and she'll have to wait until then unless her card is lost but then they will deactivate her laser.

Who did she ring - Card Services or her branch? If she rings Card Services, they should issue her one, no problem. To be safe, she could lie and say her card is damaged but, as per many posters here, simply saying she wants one is usually enough...

16-01-2013 9:08pm

Random wrote: »

i get the warning about cash advance fees most of the time with both my ub visa debit and my aib visa debit. seems normal to me and never get charged extra.

the pending transactions for atm seems a bit odd but at least its showing up. i usually find aib pretty quick to update for atms so not sure why that would be

i love this contactless payment thing although ive only used it abroad with my card so far!

The one from Saturday went through today. I also found this:

https://www.aib.ie/personal/current-accounts/track-your-transactions

"Visa debit transactions at non AIB ATM machines will appear in pending transactions on AIB Internet Banking until they are debited to your account.

That's a bit of a setback compared to the Laser cards.

batistuta9 · 16-01-2013 11:27pm

Karsini wrote: »

The one from Saturday went through today. I also found this:

https://www.aib.ie/personal/current-accounts/track-your-transactions

"Visa debit transactions at non AIB ATM machines will appear in pending transactions on AIB Internet Banking until they are debited to your account.

That's a bit of a setback compared to the Laser cards.

Does the date & time of the transaction show up on your internet banking since changing cards?

16-01-2013 11:32pm

batistuta9 wrote: »

Does the date & time of the transaction show up on your internet banking since changing cards?

No, it only shows the date that the ATM transaction cleared. For example, the withdrawal I did on Saturday is showing up with yesterday's date. It was originally in my Pending Transactions as "ATM LONDIS" or something similar (the College Green store) but is now showing up in the statement as "VDA-BANK OF IRELAN"

batistuta9 · 17-01-2013 1:02am

Karsini wrote: »

No, it only shows the date that the ATM transaction cleared. For example, the withdrawal I did on Saturday is showing up with yesterday's date. It was originally in my Pending Transactions as "ATM LONDIS" or something similar (the College Green store) but is now showing up in the statement as "VDA-BANK OF IRELAN"

yeah mines the same

i wouldn't really care about it staying in pending transactions for a bit as long as it showed the original date & time

+ it just showing up as "VDA-AIB/BOI/UB" instead of LONDIS or whatever is annoying too if you're trying to remember/keep track of things

Karen23 · 17-01-2013 12:07pm

dotsman wrote: »

Who did she ring - Card Services or her branch? If she rings Card Services, they should issue her one, no problem. To be safe, she could lie and say her card is damaged but, as per many posters here, simply saying she wants one is usually enough...

She rang the number on the back of her card. She did say the card had a crack in it and that was why she wanted a new card before going away but the person on the phone said they would cancel the card immediately and she would have no access to her account by card until the new one was sent and activated. She uses her card daily so said no , not to cancel her card and was then told you'll have to wait 'til it's your branches turn to roll out the card. I told her to try again , she could have just been unlucky with the person who answered the phone because my husband rang and got one no problem and his laser was left active for 14 days.

SweetCaliber · 17-01-2013 1:18pm

Karen23 wrote: »

She rang the number on the back of her card. She did say the card had a crack in it and that was why she wanted a new card before going away but the person on the phone said they would cancel the card immediately and she would have no access to her account by card until the new one was sent and activated. She uses her card daily so said no , not to cancel her card and was then told you'll have to wait 'til it's your branches turn to roll out the card. I told her to try again , she could have just been unlucky with the person who answered the phone because my husband rang and got one no problem and his laser was left active for 14 days.

Yeah that number is right, customer service. She probably just got unlucky with the person she asked.

Tell her to ring up again and say the chip or the magnetic strip is scratched and they will issue her a new one.

_vti · 19-01-2013 11:39am

Karsini wrote: »

No, it only shows the date that the ATM transaction cleared. For example, the withdrawal I did on Saturday is showing up with yesterday's date. It was originally in my Pending Transactions as "ATM LONDIS" or something similar (the College Green store) but is now showing up in the statement as "VDA-BANK OF IRELAN"

Thats pretty stupid... My memory is always jogged when looking over my statement and seeing company name. Its going to be a nightmare, especially if multiple purchases are made, to personally track fraud.

Wouldnt it be a better idea to include the abreviated name of the company AND their bank?

YouTookMyName · 19-01-2013 11:49am

Ordered mine 2 weeks before xmas and arrived no problem. The laser was free to take out money from ATM in the uk, Visa are charging me though.

m.kot · 21-01-2013 7:24pm

Anyone having problems with Visa Debit payments?? Card readers like Dunnesstores has dont't accept the card and it needs to be swyped. Talked to girl at the checkout-she's getting the same problems.

Also it didn't work at UK in some shops with the same card readers, which was pretty annoying. Barlclays', HSBC atms refused cash withdrawals...

dotsman · 21-01-2013 10:55pm

m.kot wrote: »

Anyone having problems with Visa Debit payments?? Card readers like Dunnesstores has dont't accept the card and it needs to be swyped. Talked to girl at the checkout-she's getting the same problems.

Also it didn't work at UK in some shops with the same card readers, which was pretty annoying. Barlclays', HSBC atms refused cash withdrawals...

Is there something wrong with your card (dirt/scratches), specifically the chip?. Haven't had any problems with mine, and have shop regularly in 2 different Dunnes shops with it.

Karen23 · 21-01-2013 11:08pm

I haven't had any problems with mine , either here or in the UK.

djPSB · 29-01-2013 10:11pm

Does anyone know if AIB are replacing Laser Cards with Visa Debit Cards?

I know Bank of Ireland have done this.

Alot of Irish websites are not taking Laser payments anymore.

drunkmonkey · 29-01-2013 10:13pm

All mine are now Visa debit, if you get a new card or replacement from AIB it'll be Visa debit.

29-01-2013 10:14pm

They're replacing them on a phased basis, depending on what branch your account is based in. They're also issuing Visa Debits to anyone who has their card lost, stolen or damaged, irrespective of branch.

the watchman · 30-01-2013 8:05pm

Just received my new AIB issued Visa Debit Card to replace my Lasercard.
Thought there were to be no changes in use and costs.

I regularly used my Lasercard in the UK to obtain goods in stores and to obtain cash from ATMs. When doing so my fees were as follows:
POS stores 0.10% by MasterCard
Cash from ATM no charge from MasterCard (only a charge from ATM company)

Here are the new Visa charges when using in the UK:
UK POS stores Visa 1.75%
Cash withdrawal commission Visa 1%
Currency Conversion Fee Visa 2.5% of Euro Value
These Visa charges are clearly shown on page 2 of the new Terms and Conditions.

Very unhappy. The change is good for AIB and good for Visa but not good for me. I’ll miss my old Lasercard.

30-01-2013 9:42pm

Given that Mastercard have nothing to do with Laser, you don't really know what you're talking about. The fees for Laser and Visa Debit are practically the same: http://www.aib.ie/personal/current-accounts/Debit-Card-Fees-and-Charges

Scuba_Scoper · 31-01-2013 1:33pm

28064212 wrote: »

Given that Mastercard have nothing to do with Laser, you don't really know what you're talking about. The fees for Laser and Visa Debit are practically the same: http://www.aib.ie/personal/current-accounts/Debit-Card-Fees-and-Charges

Ermm, Laser is Co-branded with Maestro (Mastercard), so that users may use the cards in shops and ATM's abroad, so, do you really know what you are talking about ? :rolleyes:

the watchman has missed out on a number of charges/fees from on the Laser/Maestro card though and I agree for all intents and purposes that the fees are the same.

But the real kicker is the Minimum Commision going up from 1.27 to 2.00 eur for Cash transactions. This is where the cream is for AIB.

31-01-2013 2:59pm

Scuba_Scoper wrote: »

Ermm, Laser is Co-branded with Maestro (Mastercard), so that users may use the cards in shops and ATM's abroad, so, do you really know what you are talking about ? :rolleyes:

Touche

Not quite "nothing", but co-branding is about a weak a relationship as you can get. And certainly they have never been charged any fees by MasterCard on their Laser card

Scuba_Scoper · 31-01-2013 3:26pm

28064212 wrote: »

Touche Not quite "nothing", but co-branding is about a weak a relationship as you can get. And certainly they have never been charged any fees by MasterCard on their Laser card

Apart from Affinity relationships, co-branding is the strongest relationship you can have in the credit card industry. It enables a closed debit card system like Laser to be used in terminals outside the Republic of Ireland.
Without it, Laser could not operate on POS terminals as Laser uses the Maestro/Switch network for Authorisations and uses Mastercard SecureCode for customer verification - all in all not really a weak relationship.

From your own link in your above you can see that there are scheme fees attached to non-euro transactions on Laser cards so I am not sure what you mean in the quoted text.

Even if you don't see them the charges are there. I am surprised really that the CBI has not insisted on these charges being a bit more transparent. And don;t get me started on exchange rates.:D

31-01-2013 3:28pm

Scuba_Scoper wrote: »

From your own link in your above you can see that there are scheme fees attached to non-euro transactions on Laser cards so I am not sure what you mean in the quoted text.

I was referring to the watchman's claim that they had been charged fees by MasterCard.

the watchman · 31-01-2013 7:16pm

Think theres a little confusion. I was refering to the use of my lasercard in the Uk and not in Ireland. Hope that helps.

Incidently I did take bank statements to my bank manager showing previous fees that I had paid and he agreed with me that the fees in the new Visa contract were higher (as shown in my previous post).

galwayjohn89 · 01-02-2013 9:35am

28064212 wrote: »

I was referring to the watchman's claim that they had been charged fees by MasterCard.

From my AIB Statement for a laser transaction:

27/08/12 MSP-PUBLIX SUPERMA 27.87
27/08/12 34.20 USD@1.227125
27/08/12 Incl. MasterCard
27/08/12 Charge of 0.39%

cudsy1 · 15-02-2013 6:17pm

mine arrived today. seems more geared towards online purchases. i wonder will i still need my credit card if the new card can do all online needs...

Vahevala · 04-03-2013 11:31am

Has anyone had any issues with contactless payments not going through, I used it twice and haven't had these payments go through or show up under pending transactions? It was McDonalds where I had this issue

04-03-2013 11:33am

Vahevala wrote: »

Has anyone had any issues with contactless payments not going through, I used it twice and haven't had these payments go through or show up under pending transactions? It was McDonalds where I had this issue

How long ago was this? I know it can take a while for them to show up at all.

Vahevala · 04-03-2013 11:34am

Karsini wrote: »

How long ago was this? I know it can take a while for them to show up at all.

I had one transaction probably at least a week/2 weeks ago and it isn't even in pending transactions

I had another one on Saturday so I realise that may take longer..

04-03-2013 11:40am

Vahevala wrote: »

I had one transaction probably at least a week/2 weeks ago and it isn't even in pending transactions I had another one on Saturday so I realise that may take longer..

That's odd, it should only take 2-3 days apparently.

Debs91 · 06-03-2013 11:54am

I called up AIB last Friday and said I wanted a Visa Debit Card was no bother and was a very quick process.I got my PIN this morning.My card doesn't expire till September I didn't want to have to wait that long for the rollout.

catch--22 · 12-03-2013 12:34pm

Didn't want to start a new thread...so sticking this in here.

Long story short - moved house and changed address with AIB for credit card, forgot to change for current a/c. New Visa debit card was sent out to old address and bounced back. This all came to light when the 90 day expiry on my Laser card ended the other week.

Went into AIB last Monday and updated address and requested a new card. Still no sign of it. Should it take this long?

Baz IRL · 25-03-2013 3:43pm

Debs91 wrote: »

I called up AIB last Friday and said I wanted a Visa Debit Card was no bother and was a very quick process.I got my PIN this morning.My card doesn't expire till September I didn't want to have to wait that long for the rollout.

Did u ring the number on the back of ur laser card or did u ring ur branch?

Mrs Garth Brooks · 25-03-2013 7:33pm

Just got my new visa debit card today.

What's with the expiry date? Its jul 2014. It doesnt seem that long. Do they get replaced yearly?

kevinbad2010 · 25-03-2013 7:39pm

HardLuckWoman wrote: »

Just got my new visa debit card today.

What's with the expiry date? Its jul 2014. It doesnt seem that long. Do they get replaced yearly?

That's weird my expiry date is about 2016 and I get it today

FourFourRED · 26-03-2013 3:30pm

Baz IRL wrote: »

Did u ring the number on the back of ur laser card or did u ring ur branch?

I rang 0818 724 724 (Phone banking)

Followed the options to speak to a member of customer care & asked for the new card and she said yes straight away.

Debs91 · 27-03-2013 9:44am

Baz IRL wrote: »

Did u ring the number on the back of ur laser card or did u ring ur branch?

I rang an 01 number I had it already stored in my phone.

It was the Dublin branch she asked me all the usual details etc and I received the card within a week.

The number was 01 2695022.

Good luck.

Daith · 28-03-2013 10:27am

Hey lads,

Got a Visa debit card and just wondering about cancelling my credit card. Does the debit work abroad for hotels and so on? Can it fully replace my credit card?

BuffyBot · 28-03-2013 11:25am

It'll work anywhere Visa credit will generally.

Bear in mind though, that hotels etc often put a hold on funds over and avove your room cost to ensure that any incidentals are paid (room service). You won't be able to access that money until the hold falls off.

beer enigma · 28-03-2013 2:27pm

BuffyBot wrote: »

It'll work anywhere Visa credit will generally.

Bear in mind though, that hotels etc often put a hold on funds over and avove your room cost to ensure that any incidentals are paid (room service). You won't be able to access that money until the hold falls off.

I do a lot of travelling and find that many hotels simpy won't accept a visa debit card.

The other thing I've noticed and haven't queried yet is when I withdraw cash from an ATM abroad using the AIB visa debit it throws up a warning about 'your bank may charge you for this transaction' whereas that never happened using the laser card. It may just be that the ATM sees the visa flag but ill be annoyed if I am being charged more now.

28-03-2013 4:07pm

Andip wrote: »

The other thing I've noticed and haven't queried yet is when I withdraw cash from an ATM abroad using the AIB visa debit it throws up a warning about 'your bank may charge you for this transaction' whereas that never happened using the laser card. It may just be that the ATM sees the visa flag but ill be annoyed if I am being charged more now.

This even happens on domestic Ulster Bank ATMs. It's odd.

Vahevala · 30-03-2013 6:41pm

HardLuckWoman wrote: »

Just got my new visa debit card today.

What's with the expiry date? Its jul 2014. It doesnt seem that long. Do they get replaced yearly?

Mine is the same.. weird...:(

KizzyMonster · 04-04-2013 11:42am

I rang my branch today to request a debit card. She asked was there a problem with my laser card and I said no I just wanted the debit card! She first checked to see when my branch would be 'moving over to the debit card', I think, but then she put me straight through to someone who was in charge of the cards or something. This person clarified again that I wanted the laser card and now everything's sorted!

Pin coming tomorrow in the post and the card on Tuesday!
Yay!

Mushy · 06-04-2013 5:12pm

Vahevala wrote: »

Mine is the same.. weird...:(

Could be that it replaced a card, so keeps same expiry date as old one?

AIB Visa Debit Card roll out thread

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