Waiting for the wages at the ATM at midnight

veryangryman

Used to be with AIB and some "genius" suggested the wage would be through at midnight. Turned out to be 6am so needless to say, no hangover.

Anyway, some others have claimed that it arrives in BOI at midnight but ive never seen proof of the pudding. Been with PTSB who seem to wait until afternoon-ish to do it and now KBC who do it overnight at some time prior to my waking up.

Anyway, the midnight folklore, is it true...for any bank?

nullObjects

Wouldn't it depend on a bunch of other factors like if your company used the same bank you had your account with?

There was a company I worked with where my wages went in at like 2am in the morning
My current company I seem to get paid last, mid afternoon of the next day, although maybe they are trying to tell me something

poppers

veryangryman wrote: »

Used to be with AIB and some "genius" suggested the wage would be through at midnight. Turned out to be 6am so needless to say, no hangover.

Anyway, some others have claimed that it arrives in BOI at midnight but ive never seen proof of the pudding. Been with PTSB who seem to wait until afternoon-ish to do it and now KBC who do it overnight at some time prior to my waking up.

Anyway, the midnight folklore, is it true...for any bank?

think since sepa was introduced money can land at any time on day it due.

maccored

Years ago it did as far as i remember. Mines always through by 10pm the night before now

hrcbob

Ah that brings back memories. As an apprentice in the late 90s early 00s I regularly waited patiently at an atm on a Thursday night to continue on the session.
It used to be pretty predictable in BOI accounts anyway. Generally had a crisp 20 in my back pocket by a quarter past at the latest and on to the late bar.

BENDYBINN

veryangryman wrote: »

Used to be with AIB and some "genius" suggested the wage would be through at midnight. Turned out to be 6am so needless to say, no hangover.

Anyway, some others have claimed that it arrives in BOI at midnight but ive never seen proof of the pudding. Been with PTSB who seem to wait until afternoon-ish to do it and now KBC who do it overnight at some time prior to my waking up.

Anyway, the midnight folklore, is it true...for any bank?

Awful way to be living........save a few bob for a rainy day....

zom

BENDYBINN wrote: »

Awful way to be living........save a few bob for a rainy day....

Simpleton life

Nqp15hhu

I usually get paid at 2 or 3am. I wouldn't be sitting at an ATM waiting though, I rarely carry cash. And I wouldn't be needing money at that hour either.

Nqp15hhu

hrcbob wrote: »

Ah that brings back memories. As an apprentice in the late 90s early 00s I regularly waited patiently at an atm on a Thursday night to continue on the session.
It used to be pretty predictable in BOI accounts anyway. Generally had a crisp 20 in my back pocket by a quarter past at the latest and on to the late bar.

If you budgeted and lived within your means you wouldn't need to be sitting at an TM.

El Tarangu

Nqp15hhu wrote: »

hrcbob wrote: »

Ah that brings back memories. As an apprentice in the late 90s early 00s I regularly waited patiently at an atm on a Thursday night to continue on the session.
It used to be pretty predictable in BOI accounts anyway. Generally had a crisp 20 in my back pocket by a quarter past at the latest and on to the late bar.

If you budgeted and lived within your means you wouldn't need to be sitting at an TM.

Perhaps the poster has become a bit more fiscally-responsible in the intervening 20 years :rolleyes:

murpho999

Who needs cash at midnight in these electronic days with Apps and using phones to pay?
Also where are they getting booze at midnight during lockdown?

Ulster Bank is 10pm the night before

spurshero

Nqp15hhu wrote: »

If you budgeted and lived within your means you wouldn't need to be sitting at an TM.

I say your great crack on a night out ffs. Poster was an apprentice so I say they were at a stage of life where having fun was more important then investing in the pension !

Kermit.de.frog

I wait for the interest to come in on my money on a Friday OP.

Don't hate me.

Nqp15hhu

Nqp15hhu wrote: »

If you budgeted and lived within your means you wouldn't need to be sitting at an TM.

Is that you Haughey? Thought you were dead.

The J Stands for Jay

I used to get my pay in my account at 6pm the day before it was due (Ulster Bank) These days it comes at 7.30 of the morning it's due (KBC).

Dave0301

Nqp15hhu wrote: »

I usually get paid at 2 or 3am. I wouldn't be sitting at an ATM waiting though, I rarely carry cash. And I wouldn't be needing money at that hour either.

Nqp15hhu wrote: »

If you budgeted and lived within your means you wouldn't need to be sitting at an TM.

Reading these posts made me realise how much I miss a good session and living off beans and toast for 5 days.

I'd love a good 2 day session now.

Purple Mountain

hrcbob wrote: »

Ah that brings back memories. As an apprentice in the late 90s early 00s I regularly waited patiently at an atm on a Thursday night to continue on the session.
It used to be pretty predictable in BOI accounts anyway. Generally had a crisp 20 in my back pocket by a quarter past at the latest and on to the late bar.

Yep, remember this too. Montly payment into my BOI account back in the 00s.
Living on porridge the last week of the month, then if payday was at a weekend I'd be at the ATM bang on midnight to take out a ton to start my month off in a drunken blur.

Stone Deaf 4evr

This brings back memories of the late 90s, was in 1st year of college and only had a pittance of a wage from a part time job. There were two atms directly across the street from one another, one AIB, one BOI, if you were quick enough you could withdraw everything from one, and run across to do the same on the other as the system didn't update quick enough. Did it a few times if an imprint session was happening

Ah, simpler times!

Thelonious Monk

Yeah I used to get it on Thursday nights at midnight-ish. There were no apps to check your balance or anything so you just had to hope it came through on time while you're drinking the last pint you can afford slowly at 11pm.
Nowadays you could just send begging requests for money to your friends on Revolut.

Kermit.de.frog

Kermit.de.frog wrote: »

I wait for the interest to come in on my money on a Friday OP.

Don't hate me.

Is this the weather forum payments?

Nqp15hhu

spurshero wrote: »

I say your great crack on a night out ffs. Poster was an apprentice so I say they were at a stage of life where having fun was more important then investing in the pension !

Sorry for being sensible and forward thinking! I trust I have hit a nerve.

Reati

hrcbob wrote: »

Generally had a crisp 20 in my back pocket by a quarter past at the latest and on to the late bar.

Tony? (go to .26 secs)

zanador

murpho999 wrote: »

Who needs cash at midnight in these electronic days with Apps and using phones to pay?
Also where are they getting booze at midnight during lockdown?

(Drugs)

spurshero

Nqp15hhu wrote: »

Sorry for being sensible and forward thinking! I trust I have hit a nerve.

Nope . Hit no nerve with me . Just different outlooks I guess

veryangryman

I love these online rows. I choose not to get into them but still...

I do wish they ended up in callout videos and bare-knuckle fights, but maybe that's what the next version of Internet will give us.

DerekC16

Yep, circa 2004 just had a regular bank card then not a debit card. Out of the pub and around to the ATM. Went in at 12 am everytime.

Feisar

zom wrote: »

Simpleton life

Fixed that for you there! Ya could go out having borrowed a score of a lad and be assured yer money would be in at midnight. Pull and wake up with a head in two halves hoping yer mate had yer phone, stumble to a bus stop that said "An Lár" coz ya hadn't a clue where you were and start the hunt for a breakfast roll. Now it's mortgage, pension, wife, kids, responsibilities, rainy day funds etc. I wouldn't swap either for the world, each to it's time and place.

Kermit.de.frog

Deleted User wrote: »

Is this the weather forum payments?

Yes. Very lucrative. More than a mod earns in 10 years.

Feisar

Nqp15hhu wrote: »

Sorry for being sensible and forward thinking! I trust I have hit a nerve.

Possibly should go the way of "blast it with piss". Should a bullsh!t thing to say. "Oh, did I touch a nerve". My god you've really shown the other poster!

Poster A: No, I don't like the colour blue.

Poster B: Must have touched a nerve!

??? Like what does it even mean? There must be something deep seated behind all of it for the poster not to like the colour blue? Which somehow proves poster B to be correct in whatever waffle was up for convo in AH.

(And yes the irony of my rant is not lost on me!)

Kermit.de.frog

Dave0301 wrote: »

Reading these posts made me realise how much I miss a good session and living off beans and toast for 5 days.

I'd love a good 2 day session now.

He's from the north, they barter there.

Padre_Pio

Used to be an ATM in Centra that would let me overdraw my account.

No idea how that worked, but I could use the bank ATM to bring the balance near zero, then tun to the shop and take another 20 out.

Bigmac1euro

I’m with PTSB and my wages come in bang on midnight and if they don’t they are usually there by 1.
I know because I stay up late sometimes and when they come in I like to pay all bills and put my money in the right places so I know what walking around money I have left.
It’s been like this for 4 years now.

murpho999

Deleted User wrote: »

Ulster Bank is 10pm the night before

I don't think the bank you're with makes a difference.

Depends where the payment is coming from and type of transaction the employer has selected.

cml387

When BOI opened their first ATM's they were not online, transactions were recorded on tape and processed in batches. It allowed for some "flexibility" in account practices.

riffmongous

Reati wrote: »

Tony? (go to .26 secs)

First thing I thought of when I read that :pac:

murpho999

murpho999 wrote: »

I don't think the bank you're with makes a difference.

Depends where the payment is coming from and type of transaction the employer has selected.

It does, the exact same payments into KBC or EBS don’t arrive until the following morning.

murpho999

Deleted User wrote: »

It does, the exact same payments into KBC or EBS don’t arrive until the following morning.

Yes but where are the payments coming from.

My current employer used to be with Ulster Bank and nobody (including Ulster bank clients) got paid the night before.

People got paid at different points of the day as banks batch update records.

ShatterAlan

Nqp15hhu wrote: »

I usually get paid at 2 or 3am. I wouldn't be sitting at an ATM waiting though, I rarely carry cash. And I wouldn't be needing money at that hour either.

I take it you make your payments to purchase a personality during the day via direct debit.

Doctors room ghost

I buy my chicken fillet rolls with a new crisp 50 euro note and throw all the change in the bin.







* may not be true

Nqp15hhu

ShatterAlan wrote: »

I take it you make your payments to purchase a personality during the day via direct debit.

Completely uncalled for, vile toxic comment. REPORTED.

zom

spurshero wrote: »

Poster was an apprentice so I say they were at a stage of life where having fun was more important then investing in the pension !

It is youth privilege to believe there will be no tomorrow, but after thousands of tomorrows in your life it is harder and harder to believe...

Sephiroth_dude

ShatterAlan wrote: »

I take it you make your payments to purchase a personality during the day via direct debit.

Don't post in here again.

Porklife

This brings back memories of being in my local on a Thursday evening playing paper, rock, scissors to see who had to ask the head barman for cans "on tick"
Sometimes the money would go through at midnight and we'd be squealing with happiness buying a crate of beer to drink in my friends converted garage listening to the Stone Roses.

The lenghts we used to go to and schemes we'd come up with to continue on the session were shameless. The barman knew us and to be fair, he'd nearly always give us tick but if he said no we'd scan the pub for anyone we vaguely knew and ask them for money instead! We'd be charming of course and invite them back to the session.
Happy simple times

hynesie08

The heady student days of 2008, hoping to see the girl you had your eye on in the queue for the atm so you could say hello, then desperately praying that your wage was in, then withdrawing 60% of your money to look impressive......

Today's kids will never know.

KilOit

hynesie08 wrote: »

The heady student days of 2008, hoping to see the girl you had your eye on in the queue for the atm so you could say hello, then desperately praying that your wage was in, then withdrawing 60% of your money to look impressive......

Today's kids will never know.

to be 18/19/20 now is seriously depressing. I know not all young adults want to go out boozing but I'm sure a lot do and they won't experience anything like we had. They would of had their first year in college last year behind a computer without experiencing student care free life, no socials, no experimenting or mixing with the opposite sex or same sex whatever takes their fancy, future incoming socially stunted adults if this pandemic doesn't come to a close soon

BENDYBINN

KilOit wrote: »

to be 18/19/20 now is seriously depressing. I know not all young adults want to go out boozing but I'm sure a lot do and they won't experience anything like we had. They would of had their first year in college last year behind a computer without experiencing student care free life, no socials, no experimenting or mixing with the opposite sex or same sex whatever takes their fancy, future incoming socially stunted adults if this pandemic doesn't come to a close soon

Don't worry they'll have their fun... Just slightly delayed...

KilOit

KilOit wrote: »

to be 18/19/20 now is seriously depressing. I know not all young adults want to go out boozing but I'm sure a lot do and they won't experience anything like we had. They would of had their first year in college last year behind a computer without experiencing student care free life, no socials, no experimenting or mixing with the opposite sex or same sex whatever takes their fancy, future incoming socially stunted adults if this pandemic doesn't come to a close soon

Maybe it will be good for them.

I wasn't just an awkward 18yo, I was awkward and stupid. Not only did our generation have to get our heads around emotional intelligence, we were constrained by peer pressure — often reluctant to ask, in a group situation, to ask if someone was coping ok or why they seemed out of sorts. These days, all it takes is a private message off camera.

If anyone doubted the resilience of kids these days, look at how well they've coped with the usurpation of all the facets of life they've been reared for — the leaving cert, the debs, college life. They take most of it in their stride and from what I can see of my nieces and nephews, they are doing remarkably well. They still have their friends, and are more in tune with their friends' ups and downs as we were at their age, and better able to respond to problems than we were.

They also have a great social conscience, and most of the kids I've met are very in-tune with what's going on around them.

I wouldn't be worried about the kids.

The J Stands for Jay

BENDYBINN wrote: »

Don't worry they'll have their fun... Just slightly delayed...

Nightlife venues were already disappearing to become hotels before Corona. Things wont be the same when they finally get the chance.

Turbohymac

Hi op..midnight means nothing to bank transactions time..aib usually only hits my account around 6am.. either way it seems fairly irrelevant whether its midnight or 6am because you're simply paid on that working day..and if you're so broke that you cannot wait till 6am then I'd be getting a new job.. what are you going spending your hard earned cash on between midnight and 6am anyway??

The J Stands for Jay

Turbohymac wrote: »

Hi op..midnight means nothing to bank transactions time..aib usually only hits my account around 6am.. either way it seems fairly irrelevant whether its midnight or 6am because you're simply paid on that working day..and if you're so broke that you cannot wait till 6am then I'd be getting a new job.. what are you going spending your hard earned cash on between midnight and 6am anyway??

Coke and hookers.