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Why are Laser cards so useless?

  • 03-06-2012 6:48pm
    #1
    Fionn MacCool
    Banned (with Prison Access) Posts: 1,275 ✭✭✭


    Is there any particular reason why Irish banks give you Laser cards which barely work anywhere online? And then charge you for the pleasure of it?

    I have a UK account with HSBC, same type of account, no bull**** annual fees, and a Visa card that actually works. Why is this so hard for Irish banks to emulate?


Comments

  • #2
    im invisible
    Closed Accounts Posts: 4,372 ✭✭✭im invisible


    i think most banks are changing to visa debit soon enough


  • #3
    actuallylike
    Registered Users, Registered Users 2 Posts: 1,450 ✭✭✭actuallylike


    I left AIB because of this. I asked them had they any plans to bring in Visa Debit and the girl said not that she knew so off to Ulster Bank with me. It did get me wondering why though. I suppose is it in the bank's interest to try and get me to get one of their credit cards hence why no visa debit option? Is a customer in debt to the bank, spending what they don't have beneficial to the bank?


  • #4
    Mr Simpson
    Closed Accounts Posts: 7,332 ✭✭✭Mr Simpson


    actuallylike wrote: »
    I left AIB because of this. I asked them had they any plans to bring in Visa Debit and the girl said not that she knew so off to Ulster Bank with me. It did get me wondering why though. I suppose is it in the bank's interest to try and get me to get one of their credit cards hence why no visa debit option? Is a customer in debt to the bank, spending what they don't have beneficial to the bank?

    AIB intend to roll out Visa Debit this year, Bank of Ireland are rolling them out at the moment

    AIB

    Bank of Ireland


  • #5
    KoolKid
    Moderators, Home & Garden Moderators, Technology & Internet Moderators Posts: 24,789 Mod ✭✭✭✭KoolKid


    Got my new Visa debit card from BOI this week.
    There is a thread here on the BOI rollout of Visa debit cards..


  • #6
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    Ulster and ptsb already have them. BOI are rolling them out and AIB are also introducing them this year. NIB are the only major bank left that hasn't changed or announced a change. They are already emulating - they have been for quite a while. It's only a shame it wasn't sooner.

    Many of the UK banks (including HSBC) stuck with Switch for many years which was only somewhat more useful.

    To be fair, Laser was never designed for online usage etc - that was only something which came into general use after the scheme was set up.


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  • #7
    Fionn MacCool
    Banned (with Prison Access) Posts: 1,275 ✭✭✭Fionn MacCool


    What would be the best way for me to purchase something on Amazon so? Transferring money from my AIB acct to my HSBC (UK) acct would no doubt incur some ridiculous transaction fee... would I be best off just withdrawing the money at an ATM and depositing in my HSBC account (I'm currently in the UK so could do this), then purchasing online?


  • #8
    Mr Simpson
    Closed Accounts Posts: 7,332 ✭✭✭Mr Simpson


    Fionn MacCool wrote: »
    What would be the best way for me to purchase something on Amazon so? Transferring money from my AIB acct to my HSBC (UK) acct would no doubt incur some ridiculous transaction fee... would I be best off just withdrawing the money at an ATM and depositing in my HSBC account (I'm currently in the UK so could do this), then purchasing online?

    Either withdraw then deposit to HSBC or get one of those prepaid credit cards.


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