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Using DeGiro

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    #452
    buster parnel
    Registered Users Posts: 17 ✭buster parnel


    Hi could somebody please tell me if I need to complete paylink form to transfer money from AIB to DEGIRO or is there another way
    the last time I did it was with the old iban number which no longer works thanks


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    #453
    Shedite27
    Registered Users Posts: 9,370 ✭✭✭Shedite27


    buster parnel wrote: »
    Hi could somebody please tell me if I need to complete paylink form to transfer money from AIB to DEGIRO or is there another way
    the last time I did it was with the old iban number which no longer works thanks
    Deposit money on top right of the app will give you the details - no form


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    #454
    outonawing
    Registered Users Posts: 194 ✭✭outonawing


    sk8board wrote: »
    Yep. I assume we all got it.

    Perhaps most interesting part is that they have had to stop accepting new registrations - lots of people who hadn’t an account previously, smelling value it seems

    Still accepting new clients, just takes about a week to be processed.


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    #455
    buster parnel
    Registered Users Posts: 17 ✭buster parnel


    Not a new customer
    I have tried that but can’t get beyond box or open up link


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    #456
    outonawing
    Registered Users Posts: 194 ✭✭outonawing


    buster parnel wrote: »
    Not a new customer
    I have tried that but can’t get beyond box or open up link

    Think you have to transfer money using your banking app.


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    #457
    buster parnel
    Registered Users Posts: 17 ✭buster parnel


    I have tried that only works for Irish iban numbers did a little research and it says on AIB website to fill up paylink form for international transfers which you can do in branch just like to know how other people are doing this is there another way


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    #458
    outonawing
    Registered Users Posts: 194 ✭✭outonawing


    buster parnel wrote: »
    I have tried that only works for Irish iban numbers did a little research and it says on AIB website to fill up paylink form for international transfers which you can do in branch just like to know how other people are doing this is there another way

    I did an online transfer yesterday from my AIB account.


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    #459
    buster parnel
    Registered Users Posts: 17 ✭buster parnel


    All I have on my AIB app is transfer between Irish accounts or between my own AIB account so where did you get international transfer link


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    #460
    outonawing
    Registered Users Posts: 194 ✭✭outonawing


    buster parnel wrote: »
    All I have on my AIB app is transfer between Irish accounts or between my own AIB account so where did you get international transfer link

    I logged on to website from my desktop.


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    #461
    bradygaz
    Registered Users Posts: 66 ✭✭bradygaz


    I have shares through DeGiro and in order to attend an online General Meeting of the company I have been asked to provide:

    "Can you please confirm your shareholding details as they appear on your holding statement (including the holding name, address and number of shares held)?"

    Where would I get that on DeGiro, dont see it?

    thanks


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    #462
    Jim2007
    Moderators, Business & Finance Moderators Posts: 10,043 Mod ✭✭✭✭Jim2007


    bradygaz wrote: »
    I have shares through DeGiro and in order to attend an online General Meeting of the company I have been asked to provide:

    "Can you please confirm your shareholding details as they appear on your holding statement (including the holding name, address and number of shares held)?"

    Where would I get that on DeGiro, dont see it?

    thanks

    It is very unlikely that you have a holding statement... When you buy shares through an online broker, they are by default held in nominee accounts, to facilitae which trading, so the shares are never actually registered in your name.

    You can usually ask for the shares to be transferred to your name, but that takes time and usually costs... and the settlement period may also take longer when you wish to sell.


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    #463
    Bob24
    Registered Users Posts: 10,905 ✭✭✭✭Bob24


    bradygaz wrote: »
    I have shares through DeGiro and in order to attend an online General Meeting of the company I have been asked to provide:

    "Can you please confirm your shareholding details as they appear on your holding statement (including the holding name, address and number of shares held)?"

    Where would I get that on DeGiro, dont see it?

    thanks

    I believe if you email customer service they can provide you a statement showing how many share they are holding on your behalf. The shares on DeGiro are bearers shares meaning you are not the direct registered owner of the share, but I don’t believe this should prevent you from attending the general meeting (however DeGiro might charge you to make the arrangements, I am not sure about that).


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    #464
    Shedite27
    Registered Users Posts: 9,370 ✭✭✭Shedite27


    Just on that, I have Gilead shares on both Degiro and Revolut. Revolut sent me a voting form for the AGM, Degiro didn’t .


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    #465
    buyer95
    Registered Users Posts: 3,343 ✭✭✭buyer95


    Tried signing up today. I received this message

    "Due to current market circumstances and COVID-19, DEGIRO is experiencing a surge in new registrations. While we are extremely proud and grateful to attract so many investors, this extraordinary number of new clients also brings additional challenges to our service capacity. Therefore, in order to provide you with the quality of service that you would expect from a trusted financial institution, we have implemented a temporary waiting list and we are working hard to open the registration for you as fast as possible."

    There is a waiting list and I am over 3500 places from top of the queue. Is it to be expected that I wont get in for the forseable future?If so, I think I'll go with Revolut. Any advice on other alternatives?


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    #466
    Amouar
    Registered Users Posts: 1,223 ✭✭✭Amouar


    Headsup if you're thinking of closing your bank account with AIB and use N26 instead: Your degiro W-8BEN/-E form will not be valid anymore and you will therefore pay higher US tax.

    The bank account, residence and tax residence should all be in the same country in order to be able to fill W-8BEN/-E form.


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    #467
    SameOleJay
    Registered Users Posts: 805 ✭✭✭SameOleJay


    buyer95 wrote: »
    Tried signing up today. I received this message

    "Due to current market circumstances and COVID-19, DEGIRO is experiencing a surge in new registrations. While we are extremely proud and grateful to attract so many investors, this extraordinary number of new clients also brings additional challenges to our service capacity. Therefore, in order to provide you with the quality of service that you would expect from a trusted financial institution, we have implemented a temporary waiting list and we are working hard to open the registration for you as fast as possible."

    There is a waiting list and I am over 3500 places from top of the queue. Is it to be expected that I wont get in for the forseable future?If so, I think I'll go with Revolut. Any advice on other alternatives?



    What did you do for id verification? I have used the iphone and ipad app but returning nothing when holding in front of my passport card. Uploading isn't successful either.

    Don't have the main passport to hand so could do with some help.


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    #468
    AlmightyCushion
    Moderators, Education Moderators, Technology & Internet Moderators Posts: 35,056 Mod ✭✭✭✭AlmightyCushion


    Amouar wrote: »
    Headsup if you're thinking of closing your bank account with AIB and use N26 instead: Your degiro W-8BEN/-E form will not be valid anymore and you will therefore pay higher US tax.

    The bank account, residence and tax residence should all be in the same country in order to be able to fill W-8BEN/-E form.

    You will be fine as long as you leave an Irish account linked to you DeGiro account. You can leave the Irish account as the primary linked account then when you want to add/withdraw money just switch to your N26 account. Then once the money has been added or withdrawn switch back to the Irish account and submit a new W8BEN form.

    I think you would get away with a closed Irish account as long as it was active when you added it to DeGiro before you closed it.


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    #469
    Amouar
    Registered Users Posts: 1,223 ✭✭✭Amouar


    AlmightyCushion wrote: »
    You will be fine as long as you leave an Irish account linked to you DeGiro account. You can leave the Irish account as the primary linked account then when you want to add/withdraw money just switch to your N26 account. Then once the money has been added or withdrawn switch back to the Irish account and submit a new W8BEN form.

    I think you would get away with a closed Irish account as long as it was active when you added it to DeGiro before you closed it.

    This would work, unless the timing is wrong and you end up switching primary account to N26 on a same day as a stock's ex-dividend date, and therefore Degiro will automatically calculate the US tax using the higher rate.


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    #470
    AlmightyCushion
    Moderators, Education Moderators, Technology & Internet Moderators Posts: 35,056 Mod ✭✭✭✭AlmightyCushion


    Amouar wrote: »
    This would work, unless the timing is wrong and you end up switching primary account to N26 on a same day as a stock's ex-dividend date, and therefore Degiro will automatically calculate the US tax using the higher rate.

    Yeah, the timing of dividend payments is something you need to be conscious of if you do this.


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    #471
    heffo500
    Registered Users Posts: 963 ✭✭✭heffo500


    buyer95 wrote: »
    Tried signing up today. I received this message

    "Due to current market circumstances and COVID-19, DEGIRO is experiencing a surge in new registrations. While we are extremely proud and grateful to attract so many investors, this extraordinary number of new clients also brings additional challenges to our service capacity. Therefore, in order to provide you with the quality of service that you would expect from a trusted financial institution, we have implemented a temporary waiting list and we are working hard to open the registration for you as fast as possible."

    There is a waiting list and I am over 3500 places from top of the queue. Is it to be expected that I wont get in for the forseable future?If so, I think I'll go with Revolut. Any advice on other alternatives?

    What about IG? I did a few trades with them and it was fine. I was actually able to buy shares that degiro didn't have listed and I paid to transfer them to my degiro account so they had to set up the investment trust on their platform.


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    #472
    outonawing
    Registered Users Posts: 194 ✭✭outonawing


    SameOleJay wrote: »
    What did you do for id verification? I have used the iphone and ipad app but returning nothing when holding in front of my passport card. Uploading isn't successful either.

    Don't have the main passport to hand so could do with some help.

    I used my passport book on the Android app. It captured the details almost instantly.


  • Options
    #473
    wlo
    Registered Users Posts: 1 ✭wlo


    is anybody else is having trouble with withdrawing money? they sent me an email saying the withdrawal is processed on the 30th march...still nothing in my bank account.


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    #474
    buyer95
    Registered Users Posts: 3,343 ✭✭✭buyer95


    heffo500 wrote: »
    What about IG? I did a few trades with them and it was fine. I was actually able to buy shares that degiro didn't have listed and I paid to transfer them to my degiro account so they had to set up the investment trust on their platform.

    Thanks for the tip. I have looked into IG, and it seems mainly based around CFD's? Is this right?


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    #475
    J_A_F_A
    Registered Users Posts: 303 ✭✭J_A_F_A


    I got the feeling that my (albeit small <€20k) share dealing account was only nuisance value. I had a lot of trouble over the years getting my consolidated tax certificate from them. Jumped ship to Degiro.
    buyer95 wrote: »
    Thanks for the tip. I have looked into IG, and it seems mainly based around CFD's? Is this right?


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    #476
    PHG
    Registered Users Posts: 475 ✭✭PHG


    Is there a quicker way to lodge money to DeGiro than via a bank transfer and waiting 2 or 3 days to clear?

    I had a trade I wanted to place on Friday and tried lodging, still waiting for funds to clear. Not a large amount of cash either <€4k. Trade no longer in scope now due to movement of price (not saying whether good or bad), just would break my trade rules now. I make very few trades so this was a bit annoying.

    I used to use IG when living in UK and could top up from my card straight away.


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    #477
    Bob24
    Registered Users Posts: 10,905 ✭✭✭✭Bob24


    PHG wrote: »
    Is there a quicker way to lodge money to DeGiro than via a bank transfer and waiting 2 or 3 days to clear?

    I had a trade I wanted to place on Friday and tried lodging, still waiting for funds to clear. Not a large amount of cash either <€4k. Trade no longer in scope now due to movement of price (not saying whether good or bad), just would break my trade rules now. I make very few trades so this was a bit annoying.

    I used to use IG when living in UK and could top up from my card straight away.

    With a decent bank, a SEPA transfer issued to Degiro in the morning is credited to the account in the late afternoon which isn't that bad (assuming it a business day for the banks involved in the transfer of course) .

    Unless I am mistaken, they are not offering instant top-ups anymore though.


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    #478
    Shedite27
    Registered Users Posts: 9,370 ✭✭✭Shedite27


    PHG wrote: »
    Is there a quicker way to lodge money to DeGiro than via a bank transfer and waiting 2 or 3 days to clear?

    I had a trade I wanted to place on Friday and tried lodging, still waiting for funds to clear. Not a large amount of cash either <€4k. Trade no longer in scope now due to movement of price (not saying whether good or bad), just would break my trade rules now. I make very few trades so this was a bit annoying.

    I used to use IG when living in UK and could top up from my card straight away.
    First transfer is much slower, subsequent is fairly fast. Transferred €1000 from my AIB account at 8am this morning, it's ready to trade already.


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    #479
    TRS30
    Registered Users Posts: 6,865 ✭✭✭TRS30


    Shedite27 wrote: »
    First transfer is much slower, subsequent is fairly fast. Transferred €1000 from my AIB account at 8am this morning, it's ready to trade already.

    Transferred from BOI Friday morning and still not there, not first transfer.


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    #480
    Bob24
    Registered Users Posts: 10,905 ✭✭✭✭Bob24


    TRS30 wrote: »
    Transferred from BOI Friday morning and still not there, not first transfer.

    Unless they have changed since I left them, BOI are pretty crap with SEPA transfers (as with anything related rove-banking really). For the banks I know of, KBC and AIB and much more frequent transfer batches.


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    #481
    PHG
    Registered Users Posts: 475 ✭✭PHG


    My one from Friday morning (from KBC) arrived around 5pm. Did another xfer of €1k straight after so will see how long that takes too.


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