Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi all! We have been experiencing an issue on site where threads have been missing the latest postings. The platform host Vanilla are working on this issue. A workaround that has been used by some is to navigate back from 1 to 10+ pages to re-sync the thread and this will then show the latest posts. Thanks, Mike.
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Avoiding Bank Fees & Charges

24567

Comments

  • #52
    dulpit
    Registered Users, Registered Users 2 Posts: 11,409 ✭✭✭✭dulpit


    lau1247 wrote: »
    One that not many people think about but I'm thinking of doing it in a few years time (curious if people can pick any holes or flaws out of this plan?).

    As some may know, people with AIB get free banking as long as you have mortgage with them. Let's say you have a 30 years mortgage. The premise is that you made lots of overpayment and say you almost have it cleared off on year 15 (or whenever). You reduce principal and maintain the term the same.

    You can over pay until you owe say for example 5 euro and let the remainder run for the remaining 15 years (or whatever is left). Interest on the 5 euro mortgage is practically negligible over the remaining term.

    Essentially you have 'free' banking until you reach retirement age (for most people their mortgage terms goes up to retirement age). Then switch to OAP account.

    Well, do you think this will work?

    Or just switch to kbc and not worry about it?


  • #53
    Frozen Veg
    Registered Users Posts: 513 ✭✭✭Frozen Veg


    Some credit unions have current accounts for €4 per month.

    Not bad if you're looking for an alternative to a bank.


  • #54
    2012paddy2012
    Registered Users, Registered Users 2 Posts: 2,880 ✭✭✭2012paddy2012


    What’s best credit card - no fees for tap or lodging money in from credit union - as a set up payee

    Ulster bank at mo - credit card only -
    Use free banking at credit union for bills etc

    Thks


  • #55
    Darc19
    Registered Users, Registered Users 2 Posts: 3,817 ✭✭✭Darc19


    ted1 wrote: »
    Or use N26

    0,5% charge on deposits over €50k and probably move the figure lower soon.

    No thanks.


  • #56
    gabbo is coming
    Registered Users Posts: 980 ✭✭✭gabbo is coming


    dulpit wrote: »
    Or just switch to kbc and not worry about it?

    Have you tried? Three months switching process and gave up. Questions were just insane. You can open a N26 account in 5 mins. KBC, 6 months of you're lucky


  • #57
    2012paddy2012
    Registered Users, Registered Users 2 Posts: 2,880 ✭✭✭2012paddy2012


    gabbo is coming wrote: »
    Have you tried? Three months switching process and gave up. Questions were just insane. You can open a N26 account in 5 mins. KBC, 6 months of you're lucky

    Is that n 26 the same as a credit card and does tap and allow credit by credit transfer -
    Anyone know of avant card - gives 30 euro as a welcome is that good


  • #58
    Izy
    Registered Users, Registered Users 2 Posts: 407 ✭✭Izy


    Switched to KBC 3 years ago from AIB mainly to reduce the mortgage interest rate. ( saved about 15k for the term of the mortgage )

    With a KBC current account you get an extra 0.2% of your mortgage interest rate too. And get €3000 for all your solicitor fees for switching.

    I had all my paperwork up to scratch so it was painless. All sorted within 10 days from submitting all the paperwork. Pick a right time in the month when you don’t have any DDs going out of your account and they’ll transfer automatically. ( I think the bank where you are closing your account have to notify whoever is taking the DDs from your account about the switch ) the only DD that was missed by AIB was their own for the mortgage.... took one phone call to sort so not a big deal.

    The app is very user friendly, security very good. Only issue I have is that they can’t put your mortgage account into the app...

    I haven’t used actual cash in a long time so it wasn’t a deal breaker for me.

    Saying that, a friend tried to switch to KBC to save on their mortgage and gave up on it after 3 months of back and forth with the bank.


  • #59
    lau1247
    Registered Users, Registered Users 2 Posts: 2,200 ✭✭✭lau1247


    dulpit wrote: »
    Or just switch to kbc and not worry about it?

    Actually I have KBC account also.

    I think the whole AIB/Mortgage free banking thing (The method I was proposing) is suitable for a very very small subset people, nonetheless, hope it helps.

    For me I hope to keep the AIB one going as I have been banking with them since secondary school, they have been reliable for me and seems to be one of the most up to date technology wise between all the mainstream banks in Ireland (Along with KBC).

    West Dublin, ☀️ 7.83kWp ⚡5.66 kWp South West, ⚡2.18 kWp North East



  • #60
    Orebro
    Registered Users Posts: 1,237 ✭✭✭Orebro


    lau1247 wrote: »
    Actually I have KBC account also.

    I think the whole AIB/Mortgage free banking thing (The method I was proposing) is suitable for a very very small subset people, nonetheless, hope it helps.

    For me I hope to keep the AIB one going as I have been banking with them since secondary school, they have been reliable for me and seems to be one of the most up to date technology wise between all the mainstream banks in Ireland (Along with KBC).

    This is a classic example of why the likes of AIB love you as a customer - as a country we seem to have some misplaced sense of loyalty to whatever bank we’ve been with for a long time. We seem to think that the bank is our friend and will somehow sort us out when we need them - you being a customer since secondary school means nothing to them. If everyone switched their banking providers for better deals then it would shake them all up to treat their customers better.


  • Advertisement
  • #61
    TheDriver
    Registered Users, Registered Users 2 Posts: 12,578 ✭✭✭✭TheDriver


    Is there a switching code? A reg customer would have a few DD/SO and a salary incoming, Do the banks change these, are they all the same?


  • #62
    smackyB
    Registered Users Posts: 752 ✭✭✭smackyB


    Made the switch from Ulster Bank to KBC a few months back as I could see the writing was on the wall regarding UB's future in Ireland. Pretty happy so far, no fees once you meet the lodgement requirement as others have mentioned.

    One thing that did catch me out is that KBC have a 5k daily online transaction limit. I had to split a payment up into a series of transactions and the app doesn't tell you what the issue is when you hit the limit - I had to call customer care to figure out what was going on. Ulster Bank had a much more generous online transaction limit.

    Also I was stung for €10 by KBC for not having enough in my current account to pay a standing order - it smacks as a bit of a money grab, surely a notification could be sent to remind beforehand that you don't have enough in the account to pay the order.

    The KBC app is good but still not a patch on Revolut in terms of features like real-time transaction notifications and virtual card creation.


  • #63
    lau1247
    Registered Users, Registered Users 2 Posts: 2,200 ✭✭✭lau1247


    Orebro wrote: »
    This is a classic example of why the likes of AIB love you as a customer - as a country we seem to have some misplaced sense of loyalty to whatever bank we’ve been with for a long time. If everyone switched their banking providers for better deals then it would shake them all up to treat their customers better.

    I closed BoI about 5 years ago because there is no way around the maintenance fees so it was not worth keeping. I'm not against switching. While I agree with what you said in general, however if I can keep it at no fees as I have explained (Seems my situation is the perfect condition with respect to AIB and what I proposed), then there is no loss from my end, just playing within the rules of the game.

    As it is currently, I'm getting free banking from AIB (Mortgage with them), KBC (2K per month transfer) and PTSB (One of those older Current account 1/2/3/4 where you keep €2.5K at all times).


    I have been burnt by KBC in the past when I applied mortgage with them back when I didn't have an account with them. They string me along for 3 months between not giving me update, coming to ask for more info, I had to constantly chase up. I think the lack of history with them play a big part in it. Which is one of the main reason to keep AIB.

    West Dublin, ☀️ 7.83kWp ⚡5.66 kWp South West, ⚡2.18 kWp North East



  • #64
    dowtchaboy
    Registered Users, Registered Users 2 Posts: 1,498 ✭✭✭dowtchaboy


    blackbox wrote: »
    According to their website you have to be over 66. Same for AIB.


    Pity. They must have quietly changed it. I've had this type of account with them for the best part of 10 years and while I'm approaching 70, I'm not speeding.


  • #65
    cooperguy
    Registered Users, Registered Users 2 Posts: 2,650 ✭✭✭cooperguy


    Darc19 wrote: »
    0,5% charge on deposits over €50k and probably move the figure lower soon.

    No thanks.
    Probably shouldnt have that much in a normal deposit account anyway?


  • #66
    adox
    Registered Users, Registered Users 2 Posts: 19,018 ✭✭✭✭adox


    smackyB wrote: »
    Made the switch from Ulster Bank to KBC a few months back as I could see the writing was on the wall regarding UB's future in Ireland. Pretty happy so far, no fees once you meet the lodgement requirement as others have mentioned.

    One thing that did catch me out is that KBC have a 5k daily online transaction limit. I had to split a payment up into a series of transactions and the app doesn't tell you what the issue is when you hit the limit - I had to call customer care to figure out what was going on. Ulster Bank had a much more generous online transaction limit.

    Also I was stung for €10 by KBC for not having enough in my current account to pay a standing order - it smacks as a bit of a money grab, surely a notification could be sent to remind beforehand that you don't have enough in the account to pay the order.

    The KBC app is good but still not a patch on Revolut in terms of features like real-time transaction notifications and virtual card creation.

    Yeah the daily limit is 15k 3 transactions. I recently was buying a car and needed to transfer more than that. I had to go to a hub and fill out a form. Luckily there was a hub near me and it took five minutes to fill out the form.


  • Advertisement
  • #67
    AndrewJRenko
    Registered Users, Registered Users 2 Posts: 29,452 ✭✭✭✭AndrewJRenko


    Frozen Veg wrote: »
    Some credit unions have current accounts for €4 per month.

    Not bad if you're looking for an alternative to a bank.

    And some of these are moving to offer debit cards too.


  • #68
    Hibernicis
    Registered Users, Registered Users 2 Posts: 1,620 ✭✭✭Hibernicis


    dowtchaboy wrote: »
    blackbox wrote: »
    According to their website you have to be over 66. Same for AIB.
    Pity. They must have quietly changed it. I've had this type of account with them for the best part of 10 years and while I'm approaching 70, I'm not speeding.

    It has changed across the board:

    BOI 2013
    AIB - c. 2014
    Ulster 2017
    PTSB 2018


  • #69
    Ten Pin
    Registered Users, Registered Users 2 Posts: 2,851 ✭✭✭Ten Pin


    Much handier to link your EBS card to Curve to avail of Google & Apple Pay and free ATM withdrawals. No topping up involved, your Curve card functions as if it were your EBS card.

    Does Curve definitely work with EBS cards? A couple of posts in Curve thread suggested the code didn't appear in the transaction list online, that was mid-2019, has it been rectified since?

    Knowing EBS, there will be problems with online transactions when they implement SCA, Curve would hopefully be a workaround.


  • #70
    Poochie05
    Registered Users, Registered Users 2 Posts: 4,260 ✭✭✭Poochie05


    KBC also have a standard current account with a €6 quarterly maintenance fee, which is more palatable than the €6 per month BofI have started charging, so if you don’t think you can lodge €2000 per month, this might be an option


  • #71
    Curious_Case
    Registered Users, Registered Users 2 Posts: 1,525 ✭✭✭Curious_Case


    I'm going to close 1 of 2 CA's with B of I and open a CA with An Post.

    All things equal I'll save €1 per month but then there's the 5% moneyback from all Lidl purchases over €25


  • Advertisement
  • #72
    caycro
    Registered Users, Registered Users 2 Posts: 261 ✭✭caycro


    corcaigh07 wrote: »
    Free banking with AIB if you have more than 2.5k in your account at all times for each quarter.

    AIB have cancelled this free banking route from 01/01/21


  • #73
    Sheep Shagger
    Moderators, Business & Finance Moderators Posts: 6,545 Mod ✭✭✭✭Sheep Shagger


    Under EU law, banks must offer a free bank account (even if its very skimpy on services and have rigid rules to avoid fees).

    For obvious reasons these are not widely advertised and some staff may not even know they exist if you ask...BOIs is here

    https://personalbanking.bankofireland.com/bank/current-accounts/basic-bank-account/features-benefits/

    A note on how to stay fee free...

    Fees for maintaining the account may be charged after 12 months depending on turnover if the value of lodgements to your account exceeds a certain threshold. This threshold is equivalent to the national minimum hourly rate of pay (as declared from time to time in accordance with Section 11 of the National Minimum Wage Act 2000) multiplied by 2,080 (i.e. 40 hour week x 52 weeks of the year). If this is applicable to your account you will be notified 2 months in advance of this change. For more information on terms and condition for our Basic Bank Account, please view our Basic Bank Account brochure


  • #74
    Darc19
    Registered Users, Registered Users 2 Posts: 3,817 ✭✭✭Darc19


    TheDriver wrote: »
    Is there a switching code? A reg customer would have a few DD/SO and a salary incoming, Do the banks change these, are they all the same?

    It's very easy to switch. You apply, provide the id and sign a document and choose when you want to switch.

    The banks do the rest and transfer all the s/o and dd's over.


  • #75
    Ten Pin
    Registered Users, Registered Users 2 Posts: 2,851 ✭✭✭Ten Pin


    Under EU law, banks must offer a free bank account (even if its very skimpy on services and have rigid rules to avoid fees).

    For obvious reasons these are not widely advertised and some staff may not even know they exist if you ask...

    Oh they know about it alright but are probably under management orders to feign ignorance of the product.

    They will put up as many hurdles as possible to minimize the basic account obligation. EBS are the only ones making it widely available.


    Bizarrely, neither An Post or Credit Unions are listed as offering a basic current account so that indicates they don't provide that option...both are listed under the fee accounts section...
    https://www.ccpc.ie/consumers/money-tools/current-account-comparison/


  • #76
    Apogee
    Registered Users, Registered Users 2 Posts: 3,802 ✭✭✭Apogee


    Indestructable wrote: »
    KBC with a Credit Union account for cash/cheque is a winning and free combo.


    I thought most Credit Unions had a quarterly charge now for current accounts? Or are you using a CU savings account?


  • #77
    Yyhhuuu
    Registered Users, Registered Users 2 Posts: 798 ✭✭✭Yyhhuuu


    Sheep Shagger wrote: »
    Under EU law, banks must offer a free bank account (even if its very skimpy on services and have rigid rules to avoid fees).

    For obvious reasons these are not widely advertised and some staff may not even know they exist if you ask...BOIs is here

    https://personalbanking.bankofireland.com/bank/current-accounts/basic-bank-account/features-benefits/

    A note on how to stay fee free...

    Fees for maintaining the account may be charged after 12 months depending on turnover if the value of lodgements to your account exceeds a certain threshold. This threshold is equivalent to the national minimum hourly rate of pay (as declared from time to time in accordance with Section 11 of the National Minimum Wage Act 2000) multiplied by 2,080 (i.e. 40 hour week x 52 weeks of the year). If this is applicable to your account you will be notified 2 months in advance of this change. For more information on terms and condition for our Basic Bank Account, please view our Basic Bank Account brochure


    Thanks for letting me know about this rule.

    I assume this free bank account under EU Law does NOT refer to a current account. Aa far as I know only one bank offers a free current a/c without conditions attached, which is E.B.S. ( I.e. AIB must have mortgage with them. KBC must lodge minimum 2k per month).
    €10.10 x 2080= € 21,008. If for example one had 2 savings accounts in the same bank, each with less than €21,008 lodged per year,
    I assume there would be no fee charged?


  • #78
    Ten Pin
    Registered Users, Registered Users 2 Posts: 2,851 ✭✭✭Ten Pin


    I assume this free bank account under EU Law does NOT refer to a current account.

    AIUI it's very close to a current account. Although there are slight variations between banks, the main difference is the lodgement cap and there's no chequebook or overdraft facility. An ATM / debit card is provided, some offer contactless on the basic account, some don't. Direct debits and standing orders also work...it's a current account in all but name. The main criteria is that no other current account is held in any ROI bank.


  • #79
    grounderfill
    Registered Users Posts: 50 ✭✭grounderfill


    Ten Pin wrote: »
    AIUI it's very close to a current account. Although there are slight variations between banks, the main difference is the lodgement cap and there's no chequebook or overdraft facility. An ATM / debit card is provided, some offer contactless on the basic account, some don't. Direct debits and standing orders also work...it's a current account in all but name. The main criteria is that no other current account is held in any ROI bank.

    Thanks for the information. In terms of lodgement cap would anyone know what this amount actually is?

    How would they know if you had any other current account in the ROI. Do they ask when opening the account?
    Does an N26 account constitute a current account in ROI?


  • #80
    Sheep Shagger
    Moderators, Business & Finance Moderators Posts: 6,545 Mod ✭✭✭✭Sheep Shagger


    grounderfill wrote: »
    Thanks for the information. In terms of lodgement cap would anyone know what this amount actually is?

    How would they know if you had any other current account in the ROI.

    A) Differs from bank to bank, I put up the BOI text earlier.

    B) You have to sign a declaration but in reality nobody would know (just don't have an account at the bank you end up going with).


  • #81
    Time
    Registered Users, Registered Users 2 Posts: 993 ✭✭✭Time


    Is BOI premier free for day to day? its not entirely clear from their website.


  • Advertisement
  • #82
    Sheep Shagger
    Moderators, Business & Finance Moderators Posts: 6,545 Mod ✭✭✭✭Sheep Shagger


    Time wrote: »
    Is BOI premier free for day to day? its not entirely clear from their website.

    No - usual fees apply even for Premier customers.

    Minimum income levels apy etc, I ditched my Premier debit card when I closed my account, switching to n26 and Revolut.

    Stay away from the platinum credit card with €76 charge too, the insurance that comes free is rubbish.


  • #83
    Time
    Registered Users, Registered Users 2 Posts: 993 ✭✭✭Time


    Sheep Shagger wrote: »
    No - usual fees apply even for Premier customers.

    Minimum income levels apy etc, I ditched my Premier debit card when I closed my account, switching to n26 and Revolut.

    Stay away from the platinum credit card with €76 charge too, the insurance that comes free is rubbish.

    I qualify income wise. Thats a shame though, i'll probably be stuck with them or AIB anyway when the time comes, i need to be able to lodge cash so thats KBC out unfortunately.


  • #84
    Sheep Shagger
    Moderators, Business & Finance Moderators Posts: 6,545 Mod ✭✭✭✭Sheep Shagger


    Time wrote: »
    I qualify income wise. Thats a shame though, i'll probably be stuck with them or AIB anyway when the time comes, i need to be able to lodge cash so thats KBC out unfortunately.

    Apart from the black card and a few offers (used to give 3 airport lounge passes a year but very little else) it's just a normal BOi current account including the fees. I used to avoid the fees by leaving a 3k buffer in but when they scrapped that...I was off.

    I only have n26 and revolute now apart from a BOi credit card if I need to lodge cash or cheques I just lodge to that instead (maybe once a year at the most). If you don't lodge often o believe you can use a BOi savings account for that (no fees).


  • #85
    grounderfill
    Registered Users Posts: 50 ✭✭grounderfill


    Thanks, I don't mean to deviate off a bargain alert so I'll try keep it within this framework.
    As an existing current account holder where wages are paid direct into this account; direct debits and Bill's deducted from here, is it possible to to avail of this basic account?


  • #86
    TheDriver
    Registered Users, Registered Users 2 Posts: 12,578 ✭✭✭✭TheDriver


    grounderfill wrote: »
    Thanks, I don't mean to deviate off a bargain alert so I'll try keep it within this framework.
    As an existing current account holder where wages are paid direct into this account; direct debits and Bill's deducted from here, is it possible to to avail of this basic account?
    Afaik no, you can't have an account to open one.


  • #87
    shanec1928
    Registered Users, Registered Users 2 Posts: 4,165 ✭✭✭shanec1928


    shanec1928 wrote: »
    they removed that last year I thought?


    On the EBS account

    Pros

    Free banking

    Cons

    Stupid sign up system, will require two visits to the branch.
    Website is awful with no features.
    Multi factor authentication is the worst I’ve ever seen usually takes two goes to get into your account.
    Limited opening hours in branch’s if you need to change address you have to go into the branch can’t be done online. This is extremely inconvenient if it’s a joint account.


    I’d go with KBC if possible and that’s someone who has an account with both.


    another con to add to the list which i have just found out. in order to cancel a direct debit you have to either call to branch or write them a letter. they wont do it over the phone.


  • #88
    Ten Pin
    Registered Users, Registered Users 2 Posts: 2,851 ✭✭✭Ten Pin


    another con to add to the list which i have just found out. in order to cancel a direct debit you have to either call to branch or write them a letter. they wont do it over the phone.

    Will they accept a scanned letter by email? The terms say it has to be in writing. Standing orders can be amended by emailing a scanned letter...
    How do I amend a standing order?
    In order to amend a standing order we require a signed instruction to do so, signed by all parties on the account. This can be posted to 2 Burlington road Dublin 4, faxed to 01 874 7416 scanned and emailed to info@mail.ebs.ie or dropped into an EBS office.

    There's that word FAX, for anyone under 30, a fax machine is like a phone stuck to a printer....a highly secure communication medium....NOT.

    https://www.ebs.ie/ebs-faq/daily-banking

    Is there any messaging option in their online portal?

    Either way it's 1990s style banking if they insist on a letter by post.


  • #89
    Hibernicis
    Registered Users, Registered Users 2 Posts: 1,620 ✭✭✭Hibernicis


    grounderfill wrote: »
    In terms of lodgement cap would anyone know what this amount actually is?

    See here " the total amount of money paid into your account each year is no more than €19,240 (the national minimum wage)"

    These accounts were intended for people who were outside the current banking system completely (e.g. elderly, financially marginalised, immigrants etc.) and who were in danger of becoming even more ostracised by not being able to use ATMs, purchase on line, avail of contactless payments etc. It is government mandated and was intended as an easy low threshold route into the mainstream world of bank account holding. For obvious reasons the banks didn't want their existing customers going anywhere near it and so the features set was kept to a minimum and entry/retention requirements were deliberately set to exclude the mainstream. In reality, apart from students and the unwaged these accounts are unlikely to suit the majority of existing bank customers.

    The reason the government got involved was to give a low/no cost solution to those who couldn't avail of electronic payments etc and were acting as a drag on the move to digital payments (e.g. welfare).


  • #90
    Quackster
    Moderators, Regional South Moderators Posts: 5,842 Mod ✭✭✭✭Quackster


    Ten Pin wrote: »
    Does Curve definitely work with EBS cards? A couple of posts in Curve thread suggested the code didn't appear in the transaction list online, that was mid-2019, has it been rectified since?

    Knowing EBS, there will be problems with online transactions when they implement SCA, Curve would hopefully be a workaround.
    I managed to get it set up anyway. Can't remember if I had any issues at the time as it was a few years ago.

    I don't foresee SCA being a problem as it's not an issue with any of the other cards I have on Curve that have already implemented SCA.

    Edit: It might have been that EBS cut off the last character of the code. I seem to recall having that issue adding one card but don't remember which one. I know that I contacted Curve customer support, giving them the portion of the code I had, and they gave me the missing last character.


  • Advertisement
  • #91
    Quackster
    Moderators, Regional South Moderators Posts: 5,842 Mod ✭✭✭✭Quackster


    Apogee wrote: »
    I thought most Credit Unions had a quarterly charge now for current accounts? Or are you using a CU savings account?
    I have a free current account with my CU (have had it years and years) but it doesn't include a debit card (I don't need one from them anyway so that's fine).

    My CU offers a current account with debit card but it costs €4/month.


  • #92
    Quackster
    Moderators, Regional South Moderators Posts: 5,842 Mod ✭✭✭✭Quackster


    Time wrote: »
    I qualify income wise. Thats a shame though, i'll probably be stuck with them or AIB anyway when the time comes, i need to be able to lodge cash so thats KBC out unfortunately.
    You can use an account with EBS or local CU just for the ability to lodge cash/cheques and then zap funds to your preferred account in KBC/N26 etc.


  • #93
    jdon72
    Registered Users Posts: 244 ✭✭jdon72


    Curious_Case wrote: »
    I'm going to close 1 of 2 CA's with B of I and open a CA with An Post.

    All things equal I'll save €1 per month but then there's the 5% moneyback from all Lidl purchases over €25

    I'm with An Post at the moment and I find it good. I shop a good bit in Lidl so once I spend €100 in the month there, my fees are free.


  • #94
    cuculainn
    Registered Users Posts: 814 ✭✭✭cuculainn


    jdon72 wrote: »
    I'm with An Post at the moment and I find it good. I shop a good bit in Lidl so once I spend €100 in the month there, my fees are free.

    In fairness, thats pretty good....i could switch from aldi to lidl and easily cover that.

    one question, can you get a cheque book from an post?

    if not is it just BOI and AIB that do cheque books at this stage?

    I know its old school, but its an account that my parents use for a farm and still pay alot by cheque.......


  • #95
    zell12
    Registered Users, Registered Users 2 Posts: 26,001 ✭✭✭✭zell12


    Sheep Shagger wrote: »
    Under EU law, banks must offer a free bank account (even if its very skimpy on services and have rigid rules to avoid fees).
    .....
    Already posted on first page of thread. The link includes the six banks doing them


  • #96
    Danick
    Registered Users Posts: 1,458 ✭✭✭Danick


    I need to pay over 1500 to a shop in Canada - can't use my revolut as my passport ran out and it's the only id they will accept. What is the cheapest alternative way to pay without incurring huge fees? Thanks


  • Advertisement
  • #97
    mooz
    Registered Users, Registered Users 2 Posts: 101 ✭✭mooz


    Danick wrote: »
    I need to pay over 1500 to a shop in Canada - can't use my revolut as my passport ran out and it's the only id they will accept. What is the cheapest alternative way to pay without incurring huge fees? Thanks
    Try transfer mate, a friend used them to buy a car in the UK last year and found that their rates are good


  • #98
    awhir
    Registered Users, Registered Users 2 Posts: 4,227 ✭✭✭awhir


    Does anyone know who has the cheapest joint account rates? Currently with AIB and getting charged a fortune!


  • #99
    [Deleted User]
    Posts: 596 ✭ [Deleted User]


    awhir wrote: »
    Does anyone know who has the cheapest joint account rates? Currently with AIB and getting charged a fortune!

    A joint account is the same as any other current account as regards fees anyway, I'd have thought.


  • #100
    GBX
    Registered Users, Registered Users 2 Posts: 12,019 ✭✭✭✭GBX


    mooz wrote: »
    Try transfer mate, a friend used them to buy a car in the UK last year and found that their rates are good

    @Danick You may still need to verify your identity by license or passport with them. I had to when signing up for sterling transfer in October.


  • #101
    The J Stands for Jay
    Registered Users, Registered Users 2 Posts: 5,807 ✭✭✭The J Stands for Jay


    awhir wrote: »
    Does anyone know who has the cheapest joint account rates? Currently with AIB and getting charged a fortune!

    I have a joint account with KBC that's free. Just need to pay one person's salary in each month.


  • Advertisement
Advertisement