Ulster Bank introducing transaction charges

alanhiggyno1

fritzelly wrote: »

Will have to check with your employer about getting wages paid in to it - some are a bit backward, same goes with direct debits to some Irish companies

N26 don't currently have an overdraft facility in Ireland - in the planning

so i wouldnt be able to keep overdraft then even if i transfer all my dd to n26

fritzelly

alanhiggyno1 wrote: »

so i wouldnt be able to keep overdraft then even if i transfer all my dd to n26

Nope

OU812

alanhiggyno1 wrote: »

hi guys just got my charges statement for 16 euro for the month ffs.i have a n26 account so just wondering is it easy to switch my wages into my n26 and change over direct debits.i also have a overdraft with ulsterbank that i dip into only when i need it but not very often.will having overdraft make a difference.id actually like to keep it if possable.thanks

If you switch it to a ufirst account, it’s a flat €12 a month & you get 25% back on ticket master

JTMan

OU812 wrote: »

If you switch it to a ufirst account, it’s a flat €12 a month & you get 25% back on ticket master

That product is not available for new applicants.

boomshakalaka

Completed the switch and closed my Ulster Bank accounts. Funny thing is that I went in to UB to close it off, zero questions asked about why I wanted to leave. Then I had to pop in to KBC to show proof of cancelling my old credit card, and they remembered my name and addressed me with it.

It's such a small thing, but customer service like that gives me more confidence in a bank.
Good riddance UB.

Cartman78

Just a quick update from me - switched to KBC in April/May and would strongly encourage other UB customers to do the same.....some of the charges quoted here are scandalous tbh.

No problems at all with KBC really - the app does go offline very occasionally but no more often than the UB one.

The savings account is very handy also. Haven't had much need to engage with Customer Service.

Also use Revolut for travelling, socialising etc. It's easy to move money around and low risk if you lose your card

ferrarilooney

I've moved to KBC this month. Excellent app and easy to setup. I had to move all direct debit payments myself as the switcher option didn't work but that wasn't a Hugh issue. Good bye to those robbing B******S in Ulsterbank. I also got 2 guys from work to switch.

shanec1928

Enjoy the ability to not opt out of paper statements.

Wheety

shanec1928 wrote: »

Enjoy the ability to not opt out of paper statements.

It's something they hope to have in the near future. :rolleyes:

fritzelly

shanec1928 wrote: »

Enjoy the ability to not opt out of paper statements.

LOL - the only annoying thing, like a telephone book when it arrives

Nigel Fairservice

I don't mind the statements. With all the online billing these days it's handy to have proof of address coming in.

CoBo55

Both myself and the Wife got charged for ATM withdrawals using our revolut cards, mine was used in a UB machine and hers in AIB, I thought there were no ATM charges.:(:(

fritzelly

Conversion charges?

Gooser14

CoBo55 wrote:

Both myself and the Wife got charged for ATM withdrawals using our revolut cards, mine was used in a UB machine and hers in AIB, I thought there were no ATM charges.

Are you referring to the 12c government tax?

Deagol

https://www.revolut.com/en-LU/help/transaction-issues/atm-withdrawals/why-have-i-been-charged-for-cash-withdrawal

CoBo55 wrote: »

Both myself and the Wife got charged for ATM withdrawals using our revolut cards, mine was used in a UB machine and hers in AIB, I thought there were no ATM charges.:(:(

shanec1928

Nigel Fairservice wrote: »

I don't mind the statements. With all the online billing these days it's handy to have proof of address coming in.

thats the beauty of a printer. I can just print one sheet on the extremely rare occasion that I need it I don’t need or want my statements/ lodgement receipts it’s just something extra for me to dispose off. Plus the needles waste of paper and the cost associated with it.

Nigel Fairservice

shanec1928 wrote: »

thats the beauty of a printer. I can just print one sheet on the extremely rare occasion that I need it I don’t need or want my statements/ lodgement receipts it’s just something extra for me to dispose off. Plus the needles waste of paper and the cost associated with it.

Home printing doesn't work when they want you to take your print out to a branch to be stamped. I don't mind the statements, I just shred and recycle ones over 6 months old.

Doodah7

I download my statements from Anytime banking in pdf. Takes up no physical space and they are identical to the originals. I haven't received a paper statement (or bill for anything) in YEARS.

Wheety

Gooser14 wrote: »

Are you referring to the 12c government tax?

It's either this or you've gone over your monthly limit.

CoBo55

Emm, I took out €260 and was charged €261.20. 12c was government duty and I'd exceeded my €200 monthly limit .. dumb or what??

Wheety

CoBo55 wrote: »

Emm, I took out €260 and was charged €261.20. 12c was government duty and I'd exceeded my €200 monthly limit .. dumb or what??

I hope that was in August. I don't withdraw much cash anymore so never reach my limit. But it costs Revolut, that's why they restrict it. If you take out a lot of cash consider the premium account.

CoBo55

Wheety wrote: »

I hope that was in August. I don't withdraw much cash anymore so never reach my limit. But it costs Revolut, that's why they restrict it. If you take out a lot of cash consider the premium account.

It was the 1st... No real problem as I very rarely use the ATM.

Wheety

CoBo55 wrote: »

It was the 1st... No real problem as I very rarely use the ATM.

If you go to your 'Dashboard' (the last tab on the bottom of the app, then tap on the cog wheel and then 'Price Plan', you can see your limits and current usage.

The limits are per calendar month.

DavyD_83

I had left 3gradn in my account to avoid charges, but have just discovered that it only entitles me to dodge transaction charges.
I still have a €2 monthly admin fee for having a current account, with no way of avoiding it

I really don't wan the hassle of moving bank right now, but may have to make the jump in next few months.

Cartman78

DavyD_83 wrote: »

I had left 3gradn in my account to avoid charges, but have just discovered that it only entitles me to dodge transaction charges.
I still have a €2 monthly admin fee for having a current account, with no way of avoiding it

I really don't wan the hassle of moving bank right now, but may have to make the jump in next few months.

Honestly, it's not that big of a hassle....most Direct Debits can be changed over the phone or online.

Having 3K sitting in a current account is crazy imho (I did something similar for a while) - I know interest rates aren't hectic anywhere right now but at least with something like the KBC Extra Reg Saver, you're getting something back apart from just avoiding transaction fees

CollyFlower

More charges from Ulster Bank on the way......

"From 18 April 2020, the transaction fee for Payments and Transfers carried out in a branch is increasing from €0.20 to €0.80. Where these Payments and Transfers are made between Ulster Bank current accounts, the fee of €0.80 will apply to both the account holder making the Payment or Transfer and to the person receiving the Payment or Transfer. Please note this only applies to accounts that are subject to transaction fees."

JTMan

Found the notice for this change here.

Seems that some branch transactions were already charged at 80 cent, this just makes most/all branch transactions at 80 cent.

Can't be too many people doing branch transactions like this these days.

Cartman78

Did anyone here actually stay with Ulster Bank in the end??

Would be interested to hear how the charges panned out in reality

Cartman78

Did anyone here actually stay with Ulster Bank in the end??

Would be interested to hear how the charges panned out in reality

extra gravy

Cartman78 wrote: »

Did anyone here actually stay with Ulster Bank in the end??

Would be interested to hear how the charges panned out in reality

I did like an eejit...got a statement saying I paid €153 in fees for last year which of course was only from April to December. Finally changed over to KBC last month.