Switching Banks

[DeletedUsermNqGIiIuGy]

Doing the weekly food shopping on Saturday and I noticed when I got coffee that the tap or insert option wouldn't work. Myself and the girl assumed it was the machine but a swipe worked.
Then while I was at the register with the weeks food shopping it happened again and nothing would work #puremorto!
Went across the road to the BOI atm and the fucker swallowed my card.  Got on to them and they said that there was some system changes made and it was said that they might not work like 2am - 7am on Sat (this was 2pm now). 
Long story short I've had fuck all money since Saturday and the best they can do is 'sorry' we'll send you out a new card that will be there in a week and you can just go into a local branch and get it out manually till then. I tried to set up Google pay just for now but BOI don't support that STILL

So in short, fuck BOI after 19 years. Looking at moving my account elsewhere. The obvious (I guess) choice to me is AIB. Anyone recommend/warn etc ?

[Kurt Cocaine]

Swerve AIB lad, their charges are astronomical.
I'm with PTSB and I can say I'm happy enough with them. As long as €1500 stays in, or goes through your account each month the charge fees are minimal.
This site below gives you a rundown on the bank charges. Looks like EBS is best value for money.....

http://www.moneyguideireland.com/comparison-of-bank-charges-in-ireland.html

[Trev]

I'm with AIB and have no charges because I've my mortgage with them too, otherwise I think it's something ridiculous like having to keep €3,000 in the account at all times to get off fees

The only one I'd definitely avoid would be Ulster Bank, they seem to have major fuck ups yearly, everybody I know that banked with them has switched to someone else

[DeletedUsermNqGIiIuGy]

Not being a twat but keeping above 3k isn't an issue. I read about the aib charges but I understood once you keep that amount and above that shouldn't be an issue no?

[The Butcher]

https://www.bonkers.ie/compare-current-accounts/

Recently moved from Ulster bank to KBC because they introduced fees (never had an issue with them before to be honest) - KBC won't charge as long as you put in 2000+ into your account each month. I've a Revolut card also.

[DeletedUsermNqGIiIuGy]

Filling that out shows zero charges for most of the banks bar KBC/N26

So I don't think charges are a concern for me, its more the bank being reliable really.

[ochoill]

https://www.bonkers.ie/compare-current-accounts/

Recently moved from Ulster bank to KBC because they introduced fees (never had an issue with them before to be honest) - KBC won't charge as long as you put in 2000+ into your account each month. I've a Revolut card also.

KBC are gowls and I say that as a customer of four years.  Standard banking - fine, it works, so long as you get paid direct to your account and mostly use your card for things.  No charges as long as 2k goes into your account each month, grand.

But completely cashless: you can't lodge cash into your account in a bank, you can't get cash from any branch.  You have to get a bank draft from a different bank instead, then they post that to their head office to lodge it, 5 working days.  Also no loans less than 5k.  Decent banking app but that's normal nowadays.  Woeful customer service, and nobody in the bank is allowed help you, they put you through to their head office or customer service for every single question.  Got a mortgage with them - where they were handy to get moving and good rates, but fuckin atrocious to deal with and almost caused me to lose the house due to how insanely slow they are.  They genuinely just didn't follow up on their side of it for three weeks one time for no reason whatsoever.  Tried to make out like I was holding the whole process up, took me having to bypass the hub and call their mortgage dept myself to sort it.

They also sent my bank card to my old apartment last month without telling me, I only found out when I called asking for a new one and they still had my old rental address down for card services (but updated everywhere else).  They then had to cancel both cards because it was a security risk so I had no bank card for a week - not great for a cashless bank.  I'm only scratching the surface of the grief I had with them here, not getting into the rest of it.  To be fair the actual staff in the branch here are lovely people and do their best to help, all the time, but they can't do a lot and the problems lie in their head office.  If it wasn't for my reduced rates, I would have already moved bank.