banks in ireland - never cease to amaze me

the jew

jor el wrote:

I also didn't think you needed to be over 18 to get a National age card as your DOB is printed on it?

Now you know differently.

Le Rack

yeah, you have to over 18 to even apply for an age card and then it takes months to get it. The reciept you get is as good as sh!te cuz all you need do is scan it into a computer and photo shop to a bit to make a copy. I know loads of people who just have reciepst and go mad cuz they cant get anywhere with them

An the filing cabinet thing wasn't to do with the bank wan, it was just yer man talking bout theft

Ishmael

beezkneez wrote:

also cheques, whats the story, lodging one into an account even your own account is a nightmare, takes afew business days, surely a computer could just check the balance on the person paying the cheques account and then lodge the money. am i crazy? i can go into my bank and cash a cheque and then walk out the door and straight back in and lodge the money and it goes in straight away, very irish indeeed.

I thought they only cash cheques if you have enough money in your account to cover the money on the cheque, and if the cheque bounces they take it from your account?

Edit: BTW is it possible to transfer money from an aib account to a boi account over the phone, personal accounts not business accounts?

Lump

1. Take money out of account in AIB.
2. Walk to Bank Of Ireland Branch, probably next door to the AIB.
3. Lodge Cash into B.O.I account.

4. OMFG IT'S DONE!!!

John

WizZard

Lump wrote:

1. Take money out of account in AIB.
2. Walk to Bank Of Ireland Branch, probably next door to the AIB.
3. Lodge Cash into B.O.I account.

4. OMFG IT'S DONE!!!

John

Quite. However useless to someone like me who works in an area where banks are not common - Sandyford Ind. Est.

The bloody BoI here won't even accept cash lodgments. So that puts paid to that idea.

voxpop

Ishmael wrote:

Edit: BTW is it possible to transfer money from an aib account to a boi account over the phone, personal accounts not business accounts?

yep , I have a personal BOI account setup on my 24hr banking - just log onto the website and I can transfer all the money i like online.

Mr E

On a side note, I just lodged a BOI cheque in my AIB account. I asked the teller how long it would take to clear, and she looked at the cheque and said "Oh, thats Bank of Ireland... that'll take 5 days".

5 days??!?

I'd understand if it was the Bank of Mozambique or something, but its another friggin' Irish bank. Ridiculous. I'll never understand that.

FX Meister

My mother went in to BOI O'Connell Street a few months back. There was a guy in front of her in the queue openly dealing drugs over the phone, aranging times and amounts. He was speaking quite loudly and it was hard to not hear him. The staff didn't seem to have a problem with it and when my mother complained she was told that he was a very good customer of theirs. Nice to think they treat drug dealing scumbags money in such high regard.

murphaph

Easily_Irritate wrote:

Yea, Doubtful.

Firstly why hasn't your mate(s) actually done anything about finding out what the story is?

Secondly, if the bill isin't actually getting paid from his account then surely its the fault of the bill providers sending the letter in error?

Thridly, so what if 50 goes into his account. You don't have to authorise money being transfered into his account.But surely he'd want to know where its coming from?

Forthly, the approx 20 that goes out every few months. I bet its either a min payment for a credit card that is set up when u initially apply for your credit card and most ppl forget about. Or some random payment he set up ages ago. Why doesn't he just go into a bank and find out?


It all sounds a bit exagerated to me!

P.s. you have very 'dutiful' friends!

Ok, how shall I put this so everyone understands. I know these people very well, almost better than I know myself. I know that what I originally stated is 100% correct. Of course the utility provider's billing system could be at fault, but that's fully computerised so that can't be, right? :rolleyes:

The reason why friends of mine don't report this to the bank and utility provider? Eh-you do the math.

BuffyBot

The story Zap was told was relayed to me almost verbatim by one of the 24hr online staff when I tried to a) add a Eurozone (using IBAN) account to 24hr online (not allowed-but they'd do it over the phone, wtf is the fcuking difference apart from a greater likelihood of a fcuk up over the phone???)

IBAN transfers, if you go to a branch require you to fill out all the details on a form. Doing it via the phone means someone in the call centre fills one out for you. It's not the same as putting a domestic bank account on the system.

murphaph

BuffyBot wrote:

IBAN transfers, if you go to a branch require you to fill out all the details on a form. Doing it via the phone means someone in the call centre fills one out for you. It's not the same as putting a domestic bank account on the system.

Of course it's the same, it's just a different number format. Online IBAN transfers are allowed by loads of banks in Europe to eurozone accounts (at the same cost as a domestic transfer, as stipulated by EU law), but none allow it here. If they wanted to make it easy to do the transfer, they could add that functionality to their interface, just like AIB make you call them to add a non-AIB domestic account to the interface. It's all in an effort to make it a chore to move money from AIB.

zap

ok firstly to the guy who is winging about getting asked for id, you should have been asked for id school id is worth ****e. How are they to know who billy head master is could be your big brothers signature for all they know. I have no gripe with that just the bank doing a good job for once. If ya don't want the hassle get an ATM card hardly rocket science. Secondly to the guy who said withdraw money and walk into BOI branch alot of good that is since I work 7:30 - 17:00 and the bank opens 9 - 4 with a late opening monday until 5.

BuffyBot

Of course it's the same, it's just a different number format. Online IBAN transfers are allowed by loads of banks in Europe to eurozone accounts (at the same cost as a domestic transfer, as stipulated by EU law), but none allow it here. If they wanted to make it easy to do the transfer, they could add that functionality to their interface, just like AIB make you call them to add a non-AIB domestic account to the interface. It's all in an effort to make it a chore to move money from AIB.

The point is, they aren't the same. A domestic transfer goes through a fairly simple route while an international one goes through a more complex process.

Yay for Europe! The problem is, here, is that for the volume of traffic generated by these transactions is it really worth their while investing the development time to automate the process, and make changes to the legacy mainframe systems most Irish banks use.

Easily_Irritated

murphaph wrote:

Ok, how shall I put this so everyone understands. I know these people very well, almost better than I know myself. I know that what I originally stated is 100% correct. Of course the utility provider's billing system could be at fault, but that's fully computerised so that can't be, right? :rolleyes:

The reason why friends of mine don't report this to the bank and utility provider? Eh-you do the math.

The bank system is fully computerised, your point is?

Also, you should warn your friend that no one gets money for nothing. its coming from somewhere and I can tell ya it won't be coming from the bank, cos they're tight feckers who wouldn't be giving money to some random for no reason. So its more than likely coming from someone else account. Which doesn't necessarily mean, that if this money is being put in your mates account in error he/she won't have to pay it back to the customer if it is a mistake and the customer being debited notices.

Only 2 weeks ago the same happened with a customers in my bank and the one loosing the money took a civil case against the other customer and won and all funds had to be paid back! So be warned. If your mate is 'magically' geting this money from some unknown source and hasn't got the intelligence to find out from where he could easily be paying back the full amount when whoever is being debited realises!