V, if you’re reading, what’s the best alternative to Ulster Bank in your opinion? Such a lorry load of hassle having to change banks.
Mad
I’m not V so not sure if I am allowed to comment
I expect a good hand bagging for this in a regional accent
Anyway here I go:
Fee free – EBS, Revolut, N26
Fee free if student
PTSB, EBS, AIB, BOI etc
EBS don’t have app, and their customer service is clunky
However the branches are never busy if you like dealing with a person and they are also usually keeping their staff.
So you deal with someone you know.
Credit Unions many have current accounts and debit cards now but fees are surprisingly high
An Post – avoid like the plague
Lilly
Thanks Mad. I’ll look at EBS. I like having access to a branch and real-life person even as I mostly bank online. I wouldn’t touch AIB. I’m also considering BOI but their fees are punitive. Damn you Ulster Bank.
The Millie Obnoxious™
I have my savings account with EBS and they’re a bit of a pain the arse to deal with at times. I have my current account with BOI and have never had any trouble at all with them, the app is fine too, especially for day to day stuff.
Lilly
That’s a good idea, Millie, separating the savings & current accounts.
scoops yeah?
BOI are gougers but you can speek to a human if needed which is helpful
If it’s face to face in the banking hall you are looking for Lil
Then you only have one choice
The credit union
The Irish Credit Unions have won the CXi Best Customer Experience award for a record 7th year in a row.
And that’s the tellers and loan officers
And insurance officers etc
Dealing with members over the counter, or in the private offices, or the phones, one to one
Lilly
Face-to-face is good in a pinch but I’d do most transactions online. I find it reassuring to have the option all the same.
TenPin Terry
The trouble with credit unions V is the 10 or 15 grand limit on cash deposits.
And I thought those books with little sticky labels for transactions that my kids got when we opened accounts for them were just for kids.
Apparently not.
Do any of them have online banking ?
By the way N26 accounts with their German IBANs are very useful – if you catch my drift.
Of all the new digital banks I like Starling – unlimited fee-free FX and foreign ATM withdrawals.
Sterling and euro accounts.
Superb customer service not involving an Indian call centre.
Not yet available in Ireland though …
First of all
Those savings caps are a consequence of the regulatory reserve imposed on Credit Unions in the Republic by the Central Bank (10% btw)
and a significant impact of the regulatory apartheid cooperative financial services are forced to operate under
and since you brought it up, it only needs to be 8% for community CUs and 6.5% for Industrial, given the % of assets held by CUs are Government Bonds and other Triple As. Retail Banks are 6% and were gifted a flex down over Covid that was denied to Credit Unions. That means that Credit Unions have to keep 10% of their asset base in what I call ready to go money – cash deposits in banks, for which most pay for by being charge negative interest rates. A very helpful income digout for banks from the Central Bank/ Dept of Finance. Brian Hayes earns his money here for sure.
Credit Unions also pay the Central Bank a number of levies despite most of them also playing into the ILCU SPS fund which the Central Bank insists gets dipped into first.
That totally unfair and unnecessary regulatory reserve demand is why Credit Unions are requiring members to remove their cash deposits.
secondly
I don’t know any Credit Union in RoI that doesn’t offer online services
from DDs to Loan applications
Same for FX services
Or Lil, this might interest you
conduct business over the phone – with a human btw
TenPin Terry
Irrespective of why they are there the €10-15,000 cash limits are a serious restriction on anyone with a few bob.
Restrictions that are not on banks which is why you pay to lodge your money with the big boys and not some rural or suburban outfit with a hitching post for horses outside.
The idea that they’re a serious banking alternative is laughable.
I can't stand the rain
Agreed, they are dangerous bean-counting hippie nonsense with the added Irish twist of ripping people off now with fees etc. I don’t even find the customer service great tbh
Doxxy Chainsaw
I’m an EBS customer since Ulster Bank’s fees went from €4 a quarter to a tenner a month. Highly recommend them. You can pay bills, set up payments, shop online with no issues.
Keep your account with UB ( assuming you’re already happy there)
For as long as you can
Until you are forced to transfer – if at all
Meanwhile, make enquiries with your local community or work place Credit Union to see if they have current account services available
I know it’s more expensive
But you do own your own part of that co-op
And you do get a say in how it’s run and get to attend their AGM to let rip
FYI: all my personal current account banking is with UB
And I have no intention of moving until the last minute
Lilly
The day of reckoning will come though and I’d prefer not to be in a panic with direct debits etc. My debit card expires in July, they’ll hardly renew that. Worth a try though. Thanks V. Maybe I’ll step up my credit union action. I have an account with a tenner out there somewhere.
I can't stand the rain
The credit union fees are shameful
their APR on personal loans is far higher than most
It is shameful that V is allowed give them a free plug here and is a bare-faced conflict of interest
Birdie
Is Mr Watt worth that figure? Would his duties and achievements command that figure outside the public service… just curious. Would be nice to put it all into context.
I don’t particularly agree with the stance of the protestors but the way their voices have been deliberately marginalised and the abuse they have received has been shameful.
The MSM as ever has failed miserably to inform in a balanced way and RTE is now nothing more than the propaganda wing of the Establishment.
More importantly the people pulling the levers of power during the pandemic – NPHET – haven’t faced any robust scrutiny over the decisions and mistakes they’ve made.
It is dreadful for democracy but unsurprising. The Irish people swapped rebellion for subservience a long time ago.
Oct 2nd 2009 was the final nail in the coffin.
They have you by the short and curlies.
SOQ
It’s not an Irish thing- the very same has happened in most countries. The BBC have been just as much a propaganda mouthpiece as RTÉ and in the US, the likes of NBC are now seeing their ratings plummet.
TenPin Terry
I’d agree with you on that.
Although the lack of accountability of those in power is a very Irish thing.
Boris could be gone this week if the Sue Gray investigation turns up damning evidence.
She started her inquiry this month.
The criminal investigation into Varadkar started last March with no end in sight yet.
Then there’s Bertie’s digout, no bank account while this country’s finance minister, the escape from blame by just about everyone in the banking crisis and the property collapse, the overehelming acceptance of cute-hoorism.
I could go on.
Cú Chulainn
You pair have actually turned into Sadler and Waldorf..
Hinge and Bracket it is so… (I’d forgotten them..!!) you make a lovely couple.. may I wish you both great happiness together..
TenPin Terry
I like SOQ.
Doesn’t mind the bantz, doesn’t take offence at a witty barb, sticks to his guns even when, as with vaccines, he’s in a minority. Doesn’t do pile-ons either.
We don’t agree on much but he’s a proper grown-up unlike many on here.
I’m going with The Odd Couple.
He’s Jack Lemmon of course …
SOQ
@ Cú Chulainn – a lot of the young ones think drag acts are something new but there is long history- even here in Ireland- the most famous from that era being Mr Pussy.
But for me the best was Lilly Savage (Paul O’Grady) who was a comic genius. I seen him live many times and I never seen a heckler get the best of him- he was so so quick and sharp, he actually encouraged it.
Imagine the uproar if this was a male commenting on a female politician’s appearance…
TenPin Terry
And quite right too.
But fellers tend to have a bit more backbone when it comes bantz about carrying a bit of extra wood.
Or comparing Nigel Farage to a frog.
See what I did there ?
TenPin Terry
In what could be a defining week for Boris Johnson there’s a very good profile of him in The Atlantic by Tom McTague revealing a far more complex character than the Bozo Bojo jibes allow.
Worth a couple of minutes of your time before you ladle out the bile without reading it.
At 4.31pm ?
Let me guess – Mammy gave you a jam sanger when you came home from school just to tide you over until your favourite tea of alphabetti spaghetti on toast and a glass of milk because she knows you’re a hefty young boy who needs constant filling ?
I can't stand the rain
Shouldn’t you be drunk by now?
TenPin Terry
Never before 9pm so well past your bedtime story …
Fearganainm
Boris Johnson had a birthday bash during lockdown, ITV News learns:
Andrew Neil ?
You’re getting desperate now Theobald.
Bitter loser turfed out of the BBC for not being left enough then turfed out of GB News because he couldn’t hack the pace of modern journalism.
Never forgave Boris for refusing to do a general election interview with him because he didn’t need to.
But you clutch away at that straw old boy. Never thought I’d see the day when Wolfe Tone needed the Daily Mail to make his point.
Heh,heh,heh.
Makes a very good point about the latest ” party ” revelations too.
” So, when people in an office buy a cake in the middle of the afternoon for someone else they are working in the office with and stop for ten minutes to sing happy birthday and then go back to their desks, this is now called a party? “
Fearganainm
From Norn Iron, something about a Hoare and a brothel:
Well said Priti.
Without Winston Churchill the posters on here would be standing at the bar of the Mein Kampf Inn this evening wearing lederhosen and drinking schnapps.
V, if you’re reading, what’s the best alternative to Ulster Bank in your opinion? Such a lorry load of hassle having to change banks.
I’m not V so not sure if I am allowed to comment
I expect a good hand bagging for this in a regional accent
Anyway here I go:
Fee free – EBS, Revolut, N26
Fee free if student
PTSB, EBS, AIB, BOI etc
EBS don’t have app, and their customer service is clunky
However the branches are never busy if you like dealing with a person and they are also usually keeping their staff.
So you deal with someone you know.
Credit Unions many have current accounts and debit cards now but fees are surprisingly high
An Post – avoid like the plague
Thanks Mad. I’ll look at EBS. I like having access to a branch and real-life person even as I mostly bank online. I wouldn’t touch AIB. I’m also considering BOI but their fees are punitive. Damn you Ulster Bank.
I have my savings account with EBS and they’re a bit of a pain the arse to deal with at times. I have my current account with BOI and have never had any trouble at all with them, the app is fine too, especially for day to day stuff.
That’s a good idea, Millie, separating the savings & current accounts.
BOI are gougers but you can speek to a human if needed which is helpful
If it’s face to face in the banking hall you are looking for Lil
Then you only have one choice
The credit union
The Irish Credit Unions have won the CXi Best Customer Experience award for a record 7th year in a row.
And that’s the tellers and loan officers
And insurance officers etc
Dealing with members over the counter, or in the private offices, or the phones, one to one
Face-to-face is good in a pinch but I’d do most transactions online. I find it reassuring to have the option all the same.
The trouble with credit unions V is the 10 or 15 grand limit on cash deposits.
And I thought those books with little sticky labels for transactions that my kids got when we opened accounts for them were just for kids.
Apparently not.
Do any of them have online banking ?
By the way N26 accounts with their German IBANs are very useful – if you catch my drift.
Of all the new digital banks I like Starling – unlimited fee-free FX and foreign ATM withdrawals.
Sterling and euro accounts.
Superb customer service not involving an Indian call centre.
Not yet available in Ireland though …
First of all
Those savings caps are a consequence of the regulatory reserve imposed on Credit Unions in the Republic by the Central Bank (10% btw)
and a significant impact of the regulatory apartheid cooperative financial services are forced to operate under
and since you brought it up, it only needs to be 8% for community CUs and 6.5% for Industrial, given the % of assets held by CUs are Government Bonds and other Triple As. Retail Banks are 6% and were gifted a flex down over Covid that was denied to Credit Unions. That means that Credit Unions have to keep 10% of their asset base in what I call ready to go money – cash deposits in banks, for which most pay for by being charge negative interest rates. A very helpful income digout for banks from the Central Bank/ Dept of Finance. Brian Hayes earns his money here for sure.
Credit Unions also pay the Central Bank a number of levies despite most of them also playing into the ILCU SPS fund which the Central Bank insists gets dipped into first.
That totally unfair and unnecessary regulatory reserve demand is why Credit Unions are requiring members to remove their cash deposits.
secondly
I don’t know any Credit Union in RoI that doesn’t offer online services
from DDs to Loan applications
Same for FX services
Or Lil, this might interest you
conduct business over the phone – with a human btw
Irrespective of why they are there the €10-15,000 cash limits are a serious restriction on anyone with a few bob.
Restrictions that are not on banks which is why you pay to lodge your money with the big boys and not some rural or suburban outfit with a hitching post for horses outside.
The idea that they’re a serious banking alternative is laughable.
Agreed, they are dangerous bean-counting hippie nonsense with the added Irish twist of ripping people off now with fees etc. I don’t even find the customer service great tbh
I’m an EBS customer since Ulster Bank’s fees went from €4 a quarter to a tenner a month. Highly recommend them. You can pay bills, set up payments, shop online with no issues.
Thanks Daisy. I’m leaning towards EBS.
Always worth a look at https://ie.trustpilot.com/
Cheers Giggs.
Hi Lil
Keep your account with UB ( assuming you’re already happy there)
For as long as you can
Until you are forced to transfer – if at all
Meanwhile, make enquiries with your local community or work place Credit Union to see if they have current account services available
I know it’s more expensive
But you do own your own part of that co-op
And you do get a say in how it’s run and get to attend their AGM to let rip
FYI: all my personal current account banking is with UB
And I have no intention of moving until the last minute
The day of reckoning will come though and I’d prefer not to be in a panic with direct debits etc. My debit card expires in July, they’ll hardly renew that. Worth a try though. Thanks V. Maybe I’ll step up my credit union action. I have an account with a tenner out there somewhere.
The credit union fees are shameful
their APR on personal loans is far higher than most
It is shameful that V is allowed give them a free plug here and is a bare-faced conflict of interest
Is Mr Watt worth that figure? Would his duties and achievements command that figure outside the public service… just curious. Would be nice to put it all into context.
He wrote his own level of salary. https://extra.ie/2021/11/05/news/irish-news/robert-watt-pay-rise
https://www.youtube.com/watch?v=zJZawF0O_OU
Sun done fun pun, hun’…!
Huge turnout for the Defeat the Mandates Rally in Washington DC. Speakers included Dr. Peter McCullough, Dr. Robert Malone and Robert F. Kennedy Jr.
https://www.youtube.com/watch?v=S7Ffcm262G8
I don’t particularly agree with the stance of the protestors but the way their voices have been deliberately marginalised and the abuse they have received has been shameful.
The MSM as ever has failed miserably to inform in a balanced way and RTE is now nothing more than the propaganda wing of the Establishment.
More importantly the people pulling the levers of power during the pandemic – NPHET – haven’t faced any robust scrutiny over the decisions and mistakes they’ve made.
It is dreadful for democracy but unsurprising. The Irish people swapped rebellion for subservience a long time ago.
Oct 2nd 2009 was the final nail in the coffin.
They have you by the short and curlies.
It’s not an Irish thing- the very same has happened in most countries. The BBC have been just as much a propaganda mouthpiece as RTÉ and in the US, the likes of NBC are now seeing their ratings plummet.
I’d agree with you on that.
Although the lack of accountability of those in power is a very Irish thing.
Boris could be gone this week if the Sue Gray investigation turns up damning evidence.
She started her inquiry this month.
The criminal investigation into Varadkar started last March with no end in sight yet.
Then there’s Bertie’s digout, no bank account while this country’s finance minister, the escape from blame by just about everyone in the banking crisis and the property collapse, the overehelming acceptance of cute-hoorism.
I could go on.
You pair have actually turned into Sadler and Waldorf..
More Hinge and Bracket I think.
https://www.youtube.com/watch?v=_emloH91VnU
Hinge and Bracket it is so… (I’d forgotten them..!!) you make a lovely couple.. may I wish you both great happiness together..
I like SOQ.
Doesn’t mind the bantz, doesn’t take offence at a witty barb, sticks to his guns even when, as with vaccines, he’s in a minority. Doesn’t do pile-ons either.
We don’t agree on much but he’s a proper grown-up unlike many on here.
I’m going with The Odd Couple.
He’s Jack Lemmon of course …
@ Cú Chulainn – a lot of the young ones think drag acts are something new but there is long history- even here in Ireland- the most famous from that era being Mr Pussy.
But for me the best was Lilly Savage (Paul O’Grady) who was a comic genius. I seen him live many times and I never seen a heckler get the best of him- he was so so quick and sharp, he actually encouraged it.
https://www.youtube.com/watch?v=fQ2_a-84YAc
How many people have died of or been made ill by covid in the US? So far?
Cripes, the old pig-botherer has let himself go …
https://mobile.twitter.com/SamanthaTaghoy/status/1485552870124621825/photo/1
Chester White
Imagine the uproar if this was a male commenting on a female politician’s appearance…
And quite right too.
But fellers tend to have a bit more backbone when it comes bantz about carrying a bit of extra wood.
Or comparing Nigel Farage to a frog.
See what I did there ?
In what could be a defining week for Boris Johnson there’s a very good profile of him in The Atlantic by Tom McTague revealing a far more complex character than the Bozo Bojo jibes allow.
Worth a couple of minutes of your time before you ladle out the bile without reading it.
http://www.theatlantic.com/international/archive/2022/01/boris-johnson-party-pressure/621325/
Thanks, I’ve just eaten.
At 4.31pm ?
Let me guess – Mammy gave you a jam sanger when you came home from school just to tide you over until your favourite tea of alphabetti spaghetti on toast and a glass of milk because she knows you’re a hefty young boy who needs constant filling ?
Shouldn’t you be drunk by now?
Never before 9pm so well past your bedtime story …
Boris Johnson had a birthday bash during lockdown, ITV News learns:
https://www.itv.com/news/2022-01-24/boris-johnson-had-birthday-bash-during-lockdown-itv-news-understands
Johnson must be loving the ease with which he makes the headlines:
https://www.theguardian.com/politics/2022/jan/24/boris-johnson-had-birthday-party-indoors-during-lockdown
Andrew Neil on the latest Johnson party news:
“Dearie, dearie, dearie me …”
https://twitter.com/afneil/status/1485678947576999938
Andrew Neil ?
You’re getting desperate now Theobald.
Bitter loser turfed out of the BBC for not being left enough then turfed out of GB News because he couldn’t hack the pace of modern journalism.
Never forgave Boris for refusing to do a general election interview with him because he didn’t need to.
But you clutch away at that straw old boy. Never thought I’d see the day when Wolfe Tone needed the Daily Mail to make his point.
Heh,heh,heh.
I think we all know who’s desperate
https://pbs.twimg.com/media/FJYQpXcXoAIyyMl?format=jpg&name=medium
None too shabby tweet from UK Culture Secretary Nadine Dorries, getting her own back on Cameron for sacking her.
https://twitter.com/NadineDorries/status/1485649813379362816
Makes a very good point about the latest ” party ” revelations too.
” So, when people in an office buy a cake in the middle of the afternoon for someone else they are working in the office with and stop for ten minutes to sing happy birthday and then go back to their desks, this is now called a party? “
From Norn Iron, something about a Hoare and a brothel:
https://www.independent.ie/irish-news/politics/edwin-poots-wife-genuinely-upset-over-joke-posted-by-uup-leader-doug-beattie-41271346.html
Well said Priti.
Without Winston Churchill the posters on here would be standing at the bar of the Mein Kampf Inn this evening wearing lederhosen and drinking schnapps.
https://twitter.com/pritipatel/status/1485578697411379201