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Online Betting and Bank accounts

  • 22-10-2013 7:48pm
    #1
    Blink182rock
    Registered Users Posts: 484 ✭✭


    Hi guys,

    I have a question...

    Recently I was talking to the bank manager in my own branch when I was inquiring about a loan. He casually mentioned to me to stop using online betting as it will effect whether I get a loan or not. (I'm a student).

    So my question is, if I set up an account with a different bank, eg. use BOI as main branch and use AIB for all online betting will this still effect me if I go to apply for a loan etc?

    If anyone has any other tips for this please help, and also views on skrill. com ?

    Thanks :)


Comments

  • #2
    2Mad2BeMad
    Registered Users Posts: 2,790 ✭✭✭2Mad2BeMad


    no
    two different banks
    two different statements
    other banks cant see each others statements


  • #3
    Blink182rock
    Registered Users Posts: 484 ✭✭Blink182rock


    Thank you.


  • #4
    Fowler87
    Registered Users Posts: 6,731 ✭✭✭Fowler87


    Have been using skrill for few years now and have never had a problem or issues regards the bank. Best service imho for gambling purposes


  • #5
    FatRat
    Registered Users Posts: 3,194 ✭✭✭FatRat


    Whats the story with debit cards? I heard using debit cards for betting wont effect loans, will it? It doesn't sound right to me.


  • #6
    2Mad2BeMad
    Registered Users Posts: 2,790 ✭✭✭2Mad2BeMad


    FatRat wrote: »
    Whats the story with debit cards? I heard using debit cards for betting wont effect loans, will it? It doesn't sound right to me.

    it still comes up as a statement on your account
    so ya it still affects your chances of a loan as your seen as a gambler

    who would want to take a loan off a bank away :pac:


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  • #7
    ike
    Registered Users Posts: 1,406 ✭✭✭ike


    I use Paypal and have all my bookies accounts setup to deposit and withdraw using Paypal. All the transactions happen within Paypal not on my bank account keeps everything very clean...


  • #8
    chroi
    Registered Users Posts: 24 ✭chroi


    I thought using paypal for betting sites wasn't allowed as per their usage policy? Genuine question.


  • #9
    P_1
    Registered Users Posts: 14,681 ✭✭✭✭P_1


    chroi wrote: »
    I thought using paypal for betting sites wasn't allowed as per their usage policy? Genuine question.

    Maybe in the States seeing as online betting is illegal in most states but Ive used it without a bother for it myself for a good while now


  • #10
    whiteshorts
    Site Banned Posts: 880 ✭✭✭whiteshorts


    Just a heads up:
    If a bank ever asks you why you have deposit to Bookmaker x on your statement, always say "someone you work with asks you to put money on for him as he can't get on and you get paid a % of his winnings".
    Looks even better as you are getting paid a % of the winnings.


  • #11
    ike
    Registered Users Posts: 1,406 ✭✭✭ike


    chroi wrote: »
    I thought using paypal for betting sites wasn't allowed as per their usage policy? Genuine question.

    I changed over about a year ago and have had no issues since, I had to re-validate my account as I had more than €2.5k of transactions in a year, can't remember the exact process but it was very straightforward.


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  • #12
    Bateman
    Registered Users Posts: 4,818 ✭✭✭Bateman


    Most mortgage underwriters are women so you can assume that any form of online gambling on your current account looks bad and will be difficult to explain rationally even if you are winning.

    Not sure about skrill, I presume they would ask about this, ie what is it and what are you using the cash for that's being deposited?


  • #13
    DominicKid
    Closed Accounts Posts: 497 ✭✭DominicKid


    Still don't know the answer to the question ' Do banks get information from paypal whether you're using it to gamble or not ' is my question, because i'm trying to deposit but won't let me as i've to link my bank/debit card to it.

    I'm deciding to use paypal but i have plenty in it so no depositing money from bank to paypal balance
    And
    No withdrawing to paypal to bank.


  • #14
    Bateman
    Registered Users Posts: 4,818 ✭✭✭Bateman


    I very much doubt the banks would be asking paypal for any information and I very much doubt paypal would be permitted to provide it to them.

    I would expect that they'd only challenge you on it if they see debits on your current account.


  • #15
    Bateman
    Registered Users Posts: 4,818 ✭✭✭Bateman


    whiteshorts wrote: »
    Just a heads up:
    If a bank ever asks you why you have deposit to Bookmaker x on your statement, always say "someone you work with asks you to put money on for him as he can't get on and you get paid a % of his winnings".
    Looks even better as you are getting paid a % of the winnings.


    Genuine question - does this fly? And if so, was it a personal loan or mortgage, and what bank?


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