Ebs money manager account

Been banking with EBS since my teens so about 25 years…

bad points as in now….

crap online banking..

late statements

frontline desks understaffed you can be waiting from walking in to being served 20 minutes on a bad day in Liffey St… one of the last times was a Monday, about 12.30… one person serving the clientele…

West Moreland St. branch was better but they went and closed it…

Ok thanks for all that, good to know what I'm potentially getting myself into.. as you say its free [or almost] so one gets what they pay for, cheep and cheerful, basic, sort of bog standard but all accounts..

EBS branch staff members don't tell you any of this, [and I talked to quite a few already]

Ah sorry I missed that post thanks for the explanation. I actually opted for the little widget that bank of ireland send out if you don't have a smartphone as I hate those stupid authenticator apps. BOI has quite a good online system but I despise seeing the €6 gone out of my account every month and am willing to move out of spite alone.

The requirement for an app is putting me off EBS now though.

Links and mobiles the tech way these days!!

The post you quoted is almost three years old and the procedure it described for adding a payee no longer applies. You don’t have to phone them to activate a new payee.

your going to struggle to find a bank so, as most will require some sort of authentication via app to use banking on a laptop.

Definitely a good procedure but this can also be achieved using a pin guarded two factor authentication with a mobile phone and funnily enough since I made that post, that is exactly what EBS has done! It still takes a number of hours for the payee to become active after you authenticate.

The other changes since that post is the interest rate of 1.75% on the family savings account is gone and I did indeed get a contactless card.

One other good piece of advice I have is you need to have Revolut set up alongside EBS for the best of both worlds especially if you're big into online shopping. EBS charge very steep fees for foreign currency payments so if you pay for something in sterling like on Amazon with your EBS card you will get a nasty surprise.

I've Curve but haven't used it in a good while - I don't think a bank needs to support Curve, it should work out of the box so to speak. I've used it with PTSB, Revolut & N26 in the past with no issues

I haven’t used my ebs debit cards in a couple of years, i mislaid the new pin code I got a few months back. In order to receive a new pin must I get a new card ? Can it be sorted by requesting a new pin ? Or do need a new card ?

Their site has all information you’d need, not this however.

Yes, but I was endeavouring to see if i could attain an answer or advice here, prior to their phone lines reopening on Monday. :)

odd that they have ‘arrears support’ open for a few hours on Saturday… but a debit card ‘hotline’ a service which 90% of customers id imagine would use has no support whatsoever over the weekend ..a pretty ‘cold line’

What money are they making out of you now?

They make money on a lot of customers that should be gong towards the general running of the services, all services

This is and has been the prevailing view about Irish banks for many years now - they make loads of money so they should provide a service to me, even though they make no money from me.

I was on a focus group in the early 2000s, we were discussing an investment product that one of the local insurance companies was thinking of launching. The discussion expanded to the issue of bank branch closures when a man who was about 65-70 started to bemoan the fact that Bank of Ireland had closed his local branch. Because, he said, it was lovely to be able to call in and 'chat to the staff'. I asked him where he had his savings and he replied 'Northern Rock'. This was a UK bank with no high street branches, everything was done over the phone. But this fellow could see no irony in his expectation that BoI should operate a branch network as a social service while people like him gave their business to a bank with no branches anywhere.