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

Number26/N26 Mastercard/Account now for Irish Residents

2456777

Comments

  • Registered Users, Registered Users 2 Posts: 5,234 ✭✭✭Yggr of Asgard


    JTMan wrote: »
    For what it is worth, it seems that Energia allow your use non Irish direct debit details provided you complete a paper form.

    Excellent, thank JTMan, that is news to me an Customer Service did not know it either, I will send it off.

    Central bank came back and told me they need a final decision letter from GloHealth before they can do anything, so I fired off a complaint with such a request.


  • Registered Users, Registered Users 2 Posts: 5,542 ✭✭✭JTMan


    Well done for contacting the Central Bank of Ireland.

    Keep pushing GloHealth. By law, GloHealth need to respond within 20 days and issue a final response letter within 40 days.

    I will be switching all my direct debits from PTSB to Number 26, if I encounter any crap like this, I will be on to the Central Bank of Ireland as well.


  • Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭murphaph


    Central bank came back and told me they need a final decision letter from GloHealth before they can do anything, so I fired off a complaint with such a request.
    Believe it or not I had the same carry on from Ulster BANK last year when I requested to change a direct debit mortgage payment from a now closed BoI account account to DKB. They initially refused, then I sent them the paper form which was returned to me. I then asked for a final decision letter from them and hey presto they set up the DD. BoI account was closed a month later ;)


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


    I've just set up my account, and I'm giving serious consideration to making this my primary account, and closing my Irish account. Is there anything this account can't do that an Irish current account can do?

    As far as I can see, it's not possible to set up standing orders (it's not jumping out to me on the app). Not being able to get cashback seems weird, but I rarely use cash anyway.

    Even if it doesn't fit my needs, I'll still use it to buy stuff online in dollars and pounds to save a few quid.


  • Registered Users, Registered Users 2 Posts: 5,542 ✭✭✭JTMan


    You can set up standing orders.


  • Registered Users, Registered Users 2 Posts: 5,510 ✭✭✭Nollog


    The standing orders stuff is in the top right under the "..."

    The website has statements, in German but they're letter headed, so there's that I guess.


  • Registered Users, Registered Users 2 Posts: 1,469 ✭✭✭Asmooh


    McGaggs wrote: »
    I've just set up my account, and I'm giving serious consideration to making this my primary account, and closing my Irish account. Is there anything this account can't do that an Irish current account can do?

    As far as I can see, it's not possible to set up standing orders (it's not jumping out to me on the app). Not being able to get cashback seems weird, but I rarely use cash anyway.

    Even if it doesn't fit my needs, I'll still use it to buy stuff online in dollars and pounds to save a few quid.
    My problem is that my job doesnt want to pay to non Irish accounts.


  • Registered Users, Registered Users 2 Posts: 386 ✭✭Nichard Dixon


    If these kinds of service put the squeeze on Irish banks, great. If they put an end to the ridiculous duty on credit cards and taxes on ATM cards so much the better. However it seems to me that if they are doing business in Ireland they will have to apply these charges and these can be a barrier to competition.


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    Open a FREE savings demand account with a Irish Bank for your salary and then transfer your salary over to Number 26. Also if you get any cheques you will be able to lodge them to Irish Bank and again transfer the money to Number 26 if you wish.


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


    /\/ollog wrote: »
    The standing orders stuff is in the top right under the "..."

    The website has statements, in German but they're letter headed, so there's that I guess.

    I see it now. Thanks.


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


    Asmooh wrote: »
    My problem is that my job doesnt want to pay to non Irish accounts.

    My job would never have done anything even vaguely unusual, but they outsourced payroll at the start of the year and they've let me do odd things like split my pay between more than one bank account. I'd imagine they wouldn't care what SEPA bank account my salary goes to.


  • Registered Users, Registered Users 2 Posts: 16,779 ✭✭✭✭Francie Barrett


    Asmooh wrote: »
    My problem is that my job doesnt want to pay to non Irish accounts.
    Surely you're just providing an account number and sort code - they should never even know they are sending a salary to a non-domiciled account?


  • Registered Users, Registered Users 2 Posts: 5,234 ✭✭✭Yggr of Asgard


    Surely you're just providing an account number and sort code - they should never even know they are sending a salary to a non-domiciled account?

    Right now you still can make transfers with account number and sort code but as of 1 February 2016 it's IBAN all the way, so as of that date they can't have any excuse anymore.


  • Registered Users, Registered Users 2 Posts: 1,114 ✭✭✭user1842


    Asmooh wrote: »
    My problem is that my job doesnt want to pay to non Irish accounts.
    Your employer is acting illegally. They cannot refuse payment to a EUR SEPA account. Please report them to the Central Bank of Ireland who are the competent authority of REGULATION (EU) No 260/2012.


  • Registered Users, Registered Users 2 Posts: 1,469 ✭✭✭Asmooh


    Surely you're just providing an account number and sort code - they should never even know they are sending a salary to a non-domiciled account?

    I asked, they wont.


  • Advertisement
  • Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭murphaph


    Delta2113 wrote: »
    Open a FREE savings demand account with a Irish Bank for your salary and then transfer your salary over to Number 26. Also if you get any cheques you will be able to lodge them to Irish Bank and again transfer the money to Number 26 if you wish.
    Just speaking of cheques (as they are annoyingly still quite popular in Ireland)...DKB charges a hefty processing fee for lodging an Irish cheque (German cheques, though rare, have no handling fee attached). This is because SEPA does not apply to cheques and banks are free to gouge there if they like (to be fair, the overhead in handling cross border cheques is large for the bank, having to send the thing back to the country of origin to draw the funds from the foreign account).

    So....I would expect Number26 have similar high fees for cheque processing....this could be a deal breaker for some (poor unfortunate) who regularly gets cheques handed to them.


  • Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭murphaph


    Surely you're just providing an account number and sort code - they should never even know they are sending a salary to a non-domiciled account?
    The IBAN kind of gives the game away when it doesn't begin with IE. Still a balls and no reason for it except laziness on behalf of the employer. From 2016 they will have to use the IBAN even for domestic payments so "the payroll software can't do it" won't even be an excuse then.


  • Registered Users, Registered Users 2 Posts: 4,443 ✭✭✭PokeHerKing


    Hi Folks,

    I'm looking to open an account today. There is an option for a voucher code on the initial sign-up screen. Anyone have a code?

    Cheers


  • Registered Users, Registered Users 2 Posts: 10,381 ✭✭✭✭Allyall


    Hi Folks,

    I'm looking to open an account today. There is an option for a voucher code on the initial sign-up screen. Anyone have a code?

    Cheers

    I looked at that when I signed up. It seems it was for an Invitation code that was needed initally for new customer to sign up.
    There's invite codes on this site, but I don't think you need them anymore.


  • Registered Users Posts: 1,289 ✭✭✭alwald


    Few questions, I need a joint bank account to pay bills/groceries, some of these bills are direct debits (Virgin Media, TV licence.....), My current Irish bank is charging me way too much and I am looking for a cheaper alternative, is this bank the best that I can find or is there another alternative? Thanks.


  • Advertisement
  • Moderators, Regional South Moderators Posts: 5,843 Mod ✭✭✭✭Quackster


    alwald wrote: »
    Few questions, I need a joint bank account to pay bills/groceries, some of these bills are direct debits (Virgin Media, TV licence.....), My current Irish bank is charging me way too much and I am looking for a cheaper alternative, is this bank the best that I can find or is there another alternative? Thanks.

    EBS MoneyManager account has no charges for most basic transactions, excpt ATM withdrawals (which you can get free if you deposit €750 a month) and has no maintenance fees either. You can get around the ATM fees by using cashback with the supplied MasterCard debit card.

    Having both this account and a Number26 account would give you pretty good flexibility and not cost you a cent.


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    €750 per month is wrong - see below for EBS MoneyManager Account.


    "Customers can get 5 free withdrawals each month by ATM or in branch (cash or cheque) if either at least €1,500 is lodged to the account each month, either in one lump sum or in instalments or a minimum balance of €500 is maintained in the account each month."

    EBS Limited does not issue chequebooks to customers.

    The EBS Debit Card comes with:

    Free cash-back facility
    Free electronic transfers
    Free online purchases

    My 2nd best choice to PTSB for Irish Current Account - avoid KBC,BOI,AIB,Ulster.


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    PTSB Debit Card Transaction - €1,500 per transaction (max of €2,500 within a 24 hour period)


    Yggr of Asgard - is this €4,000 for Number 26 Card because if so this is a huge advantage?


  • Registered Users, Registered Users 2 Posts: 5,542 ✭✭✭JTMan


    Delta2113 wrote: »
    My 2nd best choice to PTSB for Irish Current Account - avoid KBC,BOI,AIB,Ulster.

    Agree with Permo for the best Irish current account deal. I would put the new KBC Extra current account, which has no fees, provided you deposit at least 2,500 EUR per month, and a 4.00% regular saver attached to it in second place. EBS third.

    Avoid AIB, BoI and Ulster Bank current account products.


  • Registered Users, Registered Users 2 Posts: 11,264 ✭✭✭✭jester77


    Nice to see them entering Ireland.

    For those of you in Germany, i was looking into opening an account with them a while back, but the fact that it only came with a MasterCard credit card, and I saw nothing about EC card, this put me off. Is this still the situation, 99% of the places where I use my EC card don't take credit card or require a minimum spend before you can use one. It would be hard/impossible to operate without EC card here.


  • Registered Users Posts: 1,289 ✭✭✭alwald


    So what would be the best bank if I deposit less than 1,200 EUR each month mainly to pay few bills, purchase groceries and make the odd online payment here and there, no withdrawals are required at all, I am looking for the cheapest bank in terms of fees, online banking is a must, cheers.


  • Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭murphaph


    jester77 wrote: »
    Nice to see them entering Ireland.

    For those of you in Germany, i was looking into opening an account with them a while back, but the fact that it only came with a MasterCard credit card, and I saw nothing about EC card, this put me off. Is this still the situation, 99% of the places where I use my EC card don't take credit card or require a minimum spend before you can use one. It would be hard/impossible to operate without EC card here.
    According to their FAQ they sill offer no EC (Debit) card but are "working hard on getting one with Maestro":
    Mit der NUMBER26 MasterCard® kannst du überall bezahlen, wo MasterCard akzeptiert wird. Aufgrund großer Nachfrage arbeiten wir bereits intensiv daran, eine Karte mit Maestro Funktion anzubieten.


  • Registered Users, Registered Users 2 Posts: 11,264 ✭✭✭✭jester77


    murphaph wrote: »
    According to their FAQ they sill offer no EC (Debit) card but are "working hard on getting one with Maestro":

    Cheers, they really need to sort that out. You can't really function here without an EC card unless you just deal in cash, which I'm not a fan of.


  • Moderators, Regional South Moderators Posts: 5,843 Mod ✭✭✭✭Quackster


    alwald wrote: »
    So what would be the best bank if I deposit less than 1,200 EUR each month mainly to pay few bills, purchase groceries and make the odd online payment here and there, no withdrawals are required at all, I am looking for the cheapest bank in terms of fees, online banking is a must, cheers.

    Apart from Number26 which is a complete no-brainer, then EBS all the way if you can't lodge €1500 a month. Make no ATM withdrawals and you incur no fees. Get a Revolut card and use that for any ATM withdrawals.


  • Moderators, Regional South Moderators Posts: 5,843 Mod ✭✭✭✭Quackster


    JTMan wrote: »
    Agree with Permo for the best Irish current account deal. I would put the new KBC Extra current account, which has no fees, provided you deposit at least 2,500 EUR per month, and a 4.00% regular saver attached to it in second place. EBS third.

    Avoid AIB, BoI and Ulster Bank current account products.

    All very good for those that can meet the required monthly lodgements. For those that can't, EBS is the best Irish option.


  • Advertisement
  • Registered Users, Registered Users 2 Posts: 386 ✭✭Nichard Dixon


    Quackster wrote: »
    All very good for those that can meet the required monthly lodgements. For those that can't, EBS is the best Irish option.

    Not only that but the EBS card charges the smallest forex commission, abeit with a 30c minimum, 1% vs 2.25-2.5% for other banks.


  • Registered Users, Registered Users 2 Posts: 1,469 ✭✭✭Asmooh


    About EBS, what are there privacy rules? Will the just give your information to any government company that requesting it? Will they track and save what you do? What is the police is requesting information for whatever reason. Will Irish banks just give it without even asking why?


  • Registered Users, Registered Users 2 Posts: 5,234 ✭✭✭Yggr of Asgard


    Delta2113 wrote: »
    PTSB Debit Card Transaction - €1,500 per transaction (max of €2,500 within a 24 hour period)


    Yggr of Asgard - is this €4,000 for Number 26 Card because if so this is a huge advantage?

    https://number26.eu/support/limits-number26/

    In my opinion the limits of number26 are a dis-advantage as the in-store and online limits are per month.

    PTSB is having higher limits in a month. Just lower limits in a 24 hour period but the monthly limit is higher.

    It really depends on how much spending you want to do in the combination of cash/online/store.


  • Registered Users, Registered Users 2 Posts: 5,234 ✭✭✭Yggr of Asgard


    jester77 wrote: »
    Nice to see them entering Ireland.

    For those of you in Germany, i was looking into opening an account with them a while back, but the fact that it only came with a MasterCard credit card, and I saw nothing about EC card, this put me off. Is this still the situation, 99% of the places where I use my EC card don't take credit card or require a minimum spend before you can use one. It would be hard/impossible to operate without EC card here.

    If you live in Germany, why not look at some other products like Fidor which offer similar advantages and also have a EC card. And if you have a good Schufa you might even get the Smartcard. No fees either, no foreign currency fee and you even get interest on your account balance.

    I wish they would accept international customers.


  • Registered Users, Registered Users 2 Posts: 5,234 ✭✭✭Yggr of Asgard


    Looks like earlier adapters problems, just got this:
    Due to technical reasons we need to reset your PIN in order for your MasterCard to function optimally. Please login into the App or follow direclty the link and set up your new MasterCard PIN.
    Once you receive your MasterCard remember to withdraw money on any ATM so your card becomes fully active.
    We apoligise for the inconvinience. If you have any more questions do not hesitate to contact our Customer Support.

    First I thought it was a phishing attempt giving the spelling errors and it coming from mail90.suw13.rsgsv.net but once I opened the App I was told that I need to add a PIN for Mastercard and for transfer.

    Looks like they had technical issues last week when I opened the account.


  • Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭murphaph


    They shouldn't be providing direct links in emails in which you are invited to change PIN. It's setting customers up for future phishing attacks as they will be used to this (strange) behaviour.


  • Registered Users, Registered Users 2 Posts: 10,381 ✭✭✭✭Allyall


    "We apoligise"...

    Their spelling reminds me of a penpal (email pal) I used to have and lost contact with. His father was the King of Nigeria, coincidentally he was also looking for a bank account. I wonder if he's still around..


    Some more info in a nutshell here - https://www.deutscheskonto.org/en/n26-account-facts/


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    That website deutscheskonto has some great info.


  • Registered Users Posts: 66 ✭✭elmoslats


    Got my card today. It's mostly transparent. Looks cool. The IBAN and the BIC are printed on the card which is handy.


  • Advertisement
  • Registered Users, Registered Users 2 Posts: 10,381 ✭✭✭✭Allyall


    elmoslats wrote: »
    Got my card today. It's mostly transparent. Looks cool. The IBAN and the BIC are printed on the card which is handy.

    Got mine too. :)


  • Registered Users, Registered Users 2 Posts: 1,667 ✭✭✭Frynge


    When did you verify your id? I did it last Friday, but didn't really expect it to be here this week.


  • Registered Users, Registered Users 2 Posts: 4,165 ✭✭✭bennyx_o


    I verified my ID on the 7th and received the card on the 14th.


  • Registered Users Posts: 66 ✭✭elmoslats


    Frynge wrote: »
    When did you verify your id? I did it last Friday, but didn't really expect it to be here this week.

    Registered on the 5th, got it on the 14th


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    They have dropped the Credit Card naming and now just using MasterCard on the website. They seem to be listening to their customers.

    Nice app update thursday - 2016 should be interesting - days of FREE banking are here to stay.


  • Registered Users, Registered Users 2 Posts: 5,234 ✭✭✭Yggr of Asgard


    Delta2113 wrote: »
    They have dropped the Credit Card naming and now just using MasterCard on the website. They seem to be listening to their customers.

    Nice app update thursday - 2016 should be interesting - days of FREE banking are here to stay.

    Yes the .eu pages have now mastercard but the .de page and the German version continues with the old way.

    In Germany they also introduced a Masestro card for the account because a lot of German shops still don't take Credit Cards.


  • Advertisement
  • Registered Users, Registered Users 2 Posts: 4,498 ✭✭✭Harika


    I was wondering how would I pay a large sum from this account? Like when I bought my car here, I got a bank draft at my bank and payed the car this way. And from the homepage it seems Number26 don't do them now.


  • Registered Users, Registered Users 2 Posts: 3,282 ✭✭✭BlackWizard


    Harika wrote: »
    I was wondering how would I pay a large sum from this account? Like when I bought my car here, I got a bank draft at my bank and payed the car this way. And from the homepage it seems Number26 don't do them now.

    Good question! I never thought of this before. It would really be a problem for me too when buying a car.


  • Registered Users, Registered Users 2 Posts: 4,165 ✭✭✭bennyx_o


    There's no mention of any transfer limits in their FAQs that I can see, but I'd imagine there is one


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    You can totally manage without having an Irish Bank Current A/c with having a Number26 account provided you don't need a cheque book or you need the 'cashback' facility.

    In my opinion you still need an Irish demand or savings account. I still have a BOI savings account which gives me full FREE access to 365 online. I can do everything except for setting up direct debits or standing orders and of course no cheque book or debit card but i use it to still receive my wages (if its not broke(still free) don't try fixing it).

    My local BOI has a LATM so i can lodge cheques 24/7. I also have a PTSB current a/c because I still need the odd cheque.

    Everything is FREE and the mix and match works well.


  • Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    It's incredible that theirs still no mention of Number26 or Revolut on the Money Guide Ireland website.

    http://compare.consumerhelp.ie/CurrentAccount no mention here about Number26 but i suppose the excuse is that they are not Irish.

    That excuse wont wash with Money Guide Ireland if that's the reason. I reckon it's a commercial reason they wont promote Revolut or Number 26 but that's pure speculation on my part.


  • Advertisement
Advertisement