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Central register of bank accounts

  • 15-03-2021 3:33pm
    #1
    linola_c
    Registered Users Posts: 198 ✭✭


    Hi Guys

    Does anyone know if there is such a thing as a central register of bank accounts (i.e. a place where all of your bank accounts are noted)?

    For instance, in Australia, I know that all bank accounts and any time you apply for a loan is registered on the credit reports but that doesn't seem to be the case here under the CCR reports.

    Thanks


Comments

  • #2
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    Any loans - credit cards, overdraft, personal loan, mortgages are all registered with the Central Bank once you borrow over €500.

    Not sure if this is the information you are looking for.


  • #3
    linola_c
    Registered Users Posts: 198 ✭✭linola_c


    Trish56 wrote: »
    Any loans - credit cards, overdraft, personal loan, mortgages are all registered with the Central Bank once you borrow over €500.

    Not sure if this is the information you are looking for.

    Thanks Trish 😊 I dont think there is any place a bank can check to see if you have just regular accounts with other banks?

    About to commence the mortgage process and I have a revolut account that I transferred money back from Australia too. I dont want the hassle of having to get credit reports and the whole 9 yards for that, as I'm hoping to get approval quickly. There is no transaction between the two as I've only used it for small bits and pieces


  • #4
    DublinCJM
    Registered Users Posts: 826 ✭✭✭DublinCJM


    I think they will ask you in your application if you have a Revolut and look to see the transactions on it... but I could be mistaken


  • #5
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    No they won't ask you in the application if you have a Revolut account however if there is any transaction either as a lodgment/transfer to your current or savings account it will crop up and you will have to provide 6 months statements. They will then query any lodgments to the Revolut account in that 6 month period and Yes you will have to provide a credit report from Australia.

    You will also have to answer your employment status over the past 3 years and where you resided so this could also flag Australia.

    If you wish to apply to Australia for a credit report I can give you details where to apply and the fastest and least stress way to do this is by paying for the Credit Report.


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