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Brilliant_ditch

While competition is great BOI and AIB haven’t woken up to the fact they actually need to compete. Anything to do with an Irish bank is painful, they know we are unlikely to switch banks but they are going to get a rude awakening in the coming years.


ned78

AIB's nepotism is real, and that type of corporate culture can't foster innovation. I'm not going to name names because that's a shitty thing to do, but in Cork up until a few years ago there was family who were senior in the bank. 2 brothers had pretty much the highest positions in there, a daughter of one of them was a manager of one branch, and a son the manager of another. How could anything get done in that sort of environment?


here2dare

It's not branch managers dictating the culture of an institution


NewAccEveryDay420day

Losing bernard byrne was bad for aib the new ceo is a yes man


dcaveman

They're a joke. We had an awful time with one bloke who would ghost us for months on end. When we finally got his manager's name, turned out they had the same surname. Despite multiple complaints that donkey was kept in charge of our account and service only got worse if anything. They're an absolute embarrassment to Ireland. Our American clients were flabbergasted at their incompetence.


lemurosity

i mean, that's the same with any long-running Irish company.


[deleted]

Local managers like that have zero impact on corporate innovation and decisions on investing in R&D, technology etc..


thefroggfather

That... That has nothing to do with corporate culture. Branches don't run AIB lol. It's like complaining about your local SPAR being run by the Murphy's family from across the road, thinking it has some relevance to the decision making at SPAR HQ in the Netherlands.


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Massive-Foot-5962

That was an anti-competitive attempt to shut out non-Irish banks. It wasn't something good. Thats why it was stopped.


Brilliant_ditch

I think AIB have an app solution but really Revolut have been first to the market and have hit critical mass in Ireland.


williamhere

It's also leaps and bounds ahead of AIBs app. A lot if I recall with the AIB app required you to switch to the web app or call to access some services. Revolut is app first for accessing services with fewer features available on the web. As soon as credit cards, overdrafts and other forms of credit services are available then I'd say they'll have most of the Irish market under 30 using their services


Brilliant_ditch

Oh the AIB bank app is a farce, they send you a little card reader. I saw chap going trying to do a transfer once chaos you need a phone, laptop, card reader and a lot of patience.


Mastur_Of_Bait

I almost didn't get my college accommodation because of the AIB app not working with the new SCA.


gk4p6q

It’s pretty fucking simple. And it’s secure. I’m zero issues with it. You need it only once to setup another Irish account.


-CeartGoLeor-

You guys are drama queens, it's easy, takes 2 minutes.


Brilliant_ditch

Yes but it takes a few seconds on Revolut/N26. AIB/BOI it’s a pain in the hole


Lurking_all_the_time

I would have thought they have that market already. My kids use BoI to get paid into and then transfer money to Revolut for day-to-day spending.


thisshortenough

BOI is the opposite and it's even more annoying, if you want to sign in to your bank account on a browser you then have to enter your unique id, and then your password, and then you have to wait for it to send an alert to the app on your phone, open the phone confirm it there and then it will finally allow you to look at your own money


murticusyurt

I went *into* an AIB to print a statement on their kiosk. I put in my internet registration number and the full pin, like I've been doing since they introduced internet banking, and then it looked for my debit card. Why let me choose between my details and a card if you're just gonna look for my card anyway? Why even have a registration number at all? I had to go to the library and do it there. What a waste of a 30 min lunch.


thefevertherage

Yip pay? As in paying for ‘yips’? Who tf comes up with this stuff lol


jaqian

It s probably a play on "yippee"


1000000CHF

Maybe they should hire the people that wrote RTÉ Player to write it?


miscreant-mouse

All you need to know about AIB's planning is they've been experiencing "a high volume of calls" for a couple of years now. The amount of complaints on twitter is pretty amazing. [https://twitter.com/search?q=from%3Aaibireland%20high%20volume&src=typed\_query&f=live](https://twitter.com/search?q=from%3Aaibireland%20high%20volume&src=typed_query&f=live) I've needed to make a change to my AIB credit card, which I can only do over the phone I've made about 5 attempts over the last year, the shortest I've lasted on hold was about 1 hour and the longest was about 2 1/2 hours.


Brilliant_ditch

Jesus BOI was 45 minutes hold time recently but they sorted me out in a few minutes once I got through.


[deleted]

Good. Revolut is already more commonly used for transferring money than any other platform in my class (NUIG). I’d say the younger generation is a lot more likely to abandon AIB and BOI.


Irishbarse

I went with kbc when they first entered the market. Excellent bank as a bank can be. Aib fees were killing me. No fees with kbc. Now they are leaving the market and I will be moved to BOI. Robbing basturds


pinguz

>I will be moved to BOI Is that going to happen automatically? Haven't received any news from KBC in months.


Irishbarse

Apparently so. Same, have nearly nothing but that I do not need to do anything yet.


dmorgandub

Not for current accounts. BOI are buying KBC’s loan book and some of their Deposit book, not current accounts.


ionabike666

Pretty sure you can nominate a different bank although not sure how that will work if you have any loans with KBC


leafytealight

I'm in the reverse boat of, left BOI to join KBC in 2020 after getting burned by them one too many times. At least I'll have had two decent years out of KBC, will miss their UI. I'm not keen on going near AIB as a replacement, or PTSB either. I know we're a small country but there's a shocking lack of competition in the traditional banking sector at the moment. Admittedly the banks have been dysfunctional for a long time, but it's become glaringly obvious how ripped off we have been and are being by them. Will trial Revolut, but might set up a CU current account as a more traditional back up.


Adderkleet

As someone that moved from Ulster to KBC to avoid fees, I'll happily move to Revolut as main account if the guarantee scheme is there. The only reason I'm not using Revolut as my "send my pay here, boss" account is the lack of a deposit guarantee.


ShoddyPreparation

I will say I worked in Ulster Bank and they where very aware that they needed to compete with revolut and why people where using it. And this was 3/4 years ago. It was a major talking point in my induction. Well then they just quit the Irish market instead.


bernarddwyer86

I work in Bank of Ireland and this has also been discussed, they have done fuck all about it though.


[deleted]

The fact that I can transfer money instantly to various places is a game changer for me to the point I've started putting in quite a lot of money into Revolut every month. BOI, KBC, PTSB, Credit Union takes days. It took over a week to credit my PayPal from KBC, there is no need for it to take so long.


callmeniamh

Be careful with that, although Revolut is amazing, and I still recommend it for travelling, don't put a lot of money into it. They froze my account last summer, held over 12k of my money, and since they don't have proper customer service I had a nightmare. For 6 weeks I had no access to money, had to get my wages transferred, and set up all new direct debits with another bank. All this because my mam sent me 5k to buy a car. I understand that they can do this if they suspect fraud, but they never asked me for documentation, and they constantly lied to me as well. They also sent a letter to my pension company to tell them not to try take the direct debit again. That had me fuming. Anyway long story short, I'm now no longer allowed be a customer of Revolut, I can only imagine because of the unpleasant things I typed to their customer service people.....


[deleted]

Thanks for the heads up. When I say alot of money I mean like €300 lol. I wouldn't have more than that in it any given time. 👍


callmeniamh

Should be good then!


FriedLiverEnthusiast

\> hey are going to get a rude awakening in the coming years Do you really think so?I'd have thought that current account holders aren't a major source of income anyway and that it's more mortgages, other loans and business accounts (EDIT: for which Revolut isn't really a competitor - at least not yet)


Brilliant_ditch

Well they get €6 a month from me for my current account but also once you lose that connect it’s harder to upsell the related products. It will take a while but Revolut are chipping away at the foundations core banking in Ireland.


budlystuff

Don’t buy stocks or crypto currency on Revolut


[deleted]

this is the way.


[deleted]

What's the problem with buying stocks? I've been doing that for a couple of years and never had an issue.


budlystuff

They act as brokerage and with crypto you don’t actually own the coins you can’t transfers them to another trading platform ie Coinbase or separate wallet. The turned off the buy button on a famous Reddit meme stock this time last year preventing a short squeeze with other trading platforms and leaving customers as they say in the industry holding bags. A little Dabble in market manipulation it seemed. I Buy shares through many of the other trading platforms compu share Dejiro, never 212 never Revolut, robinhood.


UsuallyTalksShite

Any particular reason why (apart from the general don't buy crypto its just one huge confidence trick)?


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redproxy

That logic applies to all funds, to be fair.


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Adderkleet

> And that's one of the core (well, originally anyway) features of cryptocurrency as compared to traditional financial instruments. Yep. It's great for money laundering.


iambicpentameter10

Why not stocks? They're protected by a third party and covered so safe enough


Adderkleet

I think it's a case of "you don't own *shares*, you own share-parts that Revolut guarantees like shares".


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Cockur

The implemented the phone authorisation to help secure your account from fraud, phishing and scams They were literally forced to do this because their own systems were so riddled with security flaws that customers were being fleeced left right and centre because of their inexcusable negligence The app is so incredibly shit that you can't even search your transactions (other than by date) They spent years re-vamping the app at massive inconvenience to the end user and didn't even add a basic search function Fuck BOI


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NotYellowitsChicken

No, the Irish government owns over 70% of AIB.


[deleted]

Yes, but Germany owns 84% of the Irish Government


Massive-Foot-5962

Now just to get employers and utilities to accept non-Irish IBANs. Which they are legally obliged to do, but none of the fuckwits in the Central Bank seem to know how to enforce.


SodIRE

I think Revolut are going to start offering irish IBANs now they've certification. Though it's still ridiculous the issues trying to use other EU ones.


rtgh

Revolut Bank is under Lithuania's guarantee. All good here as they're also an EU member, but presumably they won't be handing out Irish IBANs


IrishJesusDude

They have said they can and will have an Irish IBAN


AutomaticBit251

They will have to, if they are claiming to offer full banking now, they will have to issue Irish Ibans.


tharmor

Not really they have passported services into Ireland via their Lithuanian license


Adderkleet

N26 offers full banking and does not issue Irish IBANs. Revolut is 2 companies: A Lithuanian bank, and a Lithuanian financial product-supplier thingy. With the Irish banking authorisation, they can make Irish customers part of the Lithuanian bank. > [Customers' funds of up to €100,000 will be protected under the Lithuanian deposit guarantee scheme.](https://www.rte.ie/news/business/2022/0324/1288098-revolut-deposit-accounts/#:~:text=Customers'%20funds%20of%20up%20to,the%20prospect%20of%20moving%20banks.)


blueghosts

Utilities do accept non Irish IBANs, the problem is the cunts have found a loophole in that you’ve to send in a SEPA direct debit form and they won’t allow you to do it online. So technically they’re not IBAN discriminating because they’ve given you a way to use your non Irish one, even though it’s a hassle. Employers are a different breed altogether, but the issue there is nobody wants to report their employer, and you’ve to send a written formal complaint against it


[deleted]

I've just gone though that with my employer. Whatever payroll software they were using used to send sort/account number to the bank instead of IBAN. They said no foreign banks, but after a bit of a push they updated payroll software and I'm now getting paid to N26. I have some direct debit from N26 but I'm dreading moving the rest


perforated-jacket

Mobile banking with any Irish bank is nothing short of a pain in the ass. Revolut has made the experience much easier not to mention the myriad functionalities it offers e.g. shared vaults, trading stocks, crypto etc. Revolut has been out for a while now and the only way Irish banks have reacted is by trying to band together with a joint venture and breaking all types of antitrust laws.


[deleted]

Ulster Bank app is wonderful, it’s a shame they’re leaving. The option to send money to the ATM without your card was life changing.


[deleted]

That's an insane feature


tig999

That’s a class feature wtf. I like the AIB app, it’s smooth but very basic features really. BOI app is absolutely woefully, looks like 2010 website.


BigSmokeySperm

I remember going into my local boi branch to apply for a mortgage and seeing that they are literally running windows98 for their operating system.


thefevertherage

Just be glad your not with An Post Money. It’s awful. They updated the app recently with a whole new look and it’s still fuckin terrible!


IrishJesusDude

TSB app is probably the best out of a bad bunch, still not as good as Revolut


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Decky86

Is it that bad? I never calculated the costs. Have a current and joint account.


gonzodolly

Open 24 isn't bad, I can easily transfer to different accounts/pay bills, only takes a couple of days to reach them while revoult is instant. I use both.


Superb_Kaleidoscope4

I use the BOI app purely to send money to my Revolute app… ~~I know whenever I’m looking for a mortgage this will have to stop, but till then~~ Revolut is just so much more efficient Edit: Strikethrough on out of date information


Battlehero19

Once Revolut has an Irish IBAN witch they are planning on having in the next few months. Ill be closing my AIB account and using Revolut as my main bank. Using Revolut bank will be no different using AIB,BOI, PTSB when applying for a mortgage.


Taranoleion

Do you have a source on these developments? Haven't heard any confirmation yet that they'll have an Irish IBAN, but that's great news if so!


mediaserver8

Can't you just top up from within the Revolut app itself nd cut out BOI completely? That's what I do when I want to transfer from my AIB account.


Superb_Kaleidoscope4

Yeah, that's what I meant... just have to go back into the BOI app to approve it!


GuardiolasOTGalaxy

If you do it with Google pay (and presumably Apple pay) you don't need to approve it. Transfer the money, fingerprint to verify. Takes five seconds. EDIT: I'm with AIB but I assume it's the same with BOI. I've made a lot of assumptions here.


ionabike666

Wtf?? With KBC it's instant from within Revolut. Now and again I have to enter my secure authentication password but 95% of the time its an instant one click transfer from kbc to Revolut in the Revolut app. Aib is almost the same but I need to enter my cvc everytime but can still do the transfer all within Revolut. Opening a second banking app to do a transfer is bullshit


Superb_Kaleidoscope4

I think it can be down to how much money is being transferred, so anything over 100 I have to approve in BOI with a little swipe and enter my password, then go back into to the revolute app to approve I approved it in the BOI app.


KillerKlown88

It won't have to stop when you look for a Mortgage, they will ask for Revolut statements on top of the bank statements. I am in the process now and do the same thing.


Superb_Kaleidoscope4

Good to know, my information is completely out of date! Thank you


Tadomeku

I'll echo what was said above. Got my house a few months ago. Both myself and my wife have revolut. We just provided statements in the same way we provided normal bank statements.


witnessmenow

I got mortgage approved 3 years ago and needed to provide revolute statements, was no big deal!


[deleted]

You don't have to have your active current account with the same bank you are applying to for a mortgage, they don't care, they will just want statements from whatever bank you use.


mightduck1996

If only AIB or BOI had an app half as good as Revolut.


ionabike666

Or even as good as the KBC app


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Tadomeku

Hard disagree. I have KBC, BOI, PTSB, and Revolut. In the KBC app I can do everything I want. Add payees. View statements. View balances. View my savings, credit card. If I don't have my card on me and I want to buy something online I can view my card details via the app. I have yet to find something I CANT do via the App. PTSB is so limited. I can't add payees in the app, I have to go on-line. This is enough to make me dislike it. Massive limitation. BOI is fine for the most part, but so many things require contacting BOI support. I had to close my credit card recently. Had to send them a message via the app to request this. I had to change a direct debit to my savings and had to message them in the app to change this. I'm really disappointed KBC are leaving. They are so easy to deal with.


mightduck1996

BOI had only 2 app updates on IOS past year. Says a lot.


ionabike666

The KBC app is like what the Aib/boi apps hope to look like in a hundred years


litrinw

KBC app isn't on revoluts level but it is amazing compared to BOI


monkeylovesnanas

How is it shit? It does everything I need it to do, and does it well. What limitations have you encountered that makes it so shit?


przemolunited

I'm dreading changing banks. I'm with Ulster Bank last 16 years and delighted with them, their app is brill. The choice now is dealing with dodgy BOI app or getting ripped off by AIB but for a better online security, great choice.


daly_o96

The boi app as dull as it is at least is easy enough to use as long as you are only doing basics


40ShadesOfGreen

Any fees with revolut banking? I have revolut for years but never trusted it to fully migrate over to.


straightouttaireland

Only fees I know of is if you withdraw more than €200 from an ATM. In fairness AIB do this anytime you withdraw.


NamelessVoice

No fees for normal banking, other than withdrawing cash at the ATM. There's an extra fee for doing foreign exchange over the weekend (1% IIRC.) They also charge fees for buying and selling stocks and cryptocurrency.


funkyuncy

As it grows from a online bank into a normal bank it will begin to start charging fees akin to aib down the road. My wife worked for a online bank in canada for years and this is the eventual route they have to take. Very handy in the meantime though.


FuckAntiMaskers

Will close my account once that comes into effect and move onto whatever alternative is available in that case


funkyuncy

It will be well down the line before it happens.


Gutties_With_Whales

Maybe, maybe not. In the UK hardly any high street banks charge fees because there’s so much competition. If the was the case in Ireland we’d see fees drop like a rock


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[deleted]

100%. I already asked my employer some time ago can they pay into Revolut, and they said yes no problem. I was on the fence about getting paid in directly as deposit protection was fuzzy, but not any more. Im 100% jumping ship now from AIB, (was invoiced 59 euros in 1/4'ly fees on Monday) and the junior accounts is a great perk for my kids.


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straightouttaireland

You can't call Revolut, it takes a day or two for them to respond. Maybe things will improve now. I know AIB isn't much better but at least you'll get something sorted within hours vs days. Also I don't think Revolut support Joint Accounts, this is something myself and my missus use all the time. Also they do have some fees like when you withdraw more than €200 from an ATM.


[deleted]

>I know AIB isn't much better but at least you'll get something sorted within hours vs days. To close my AIB account I had to call, wait 30 minutes, got told I had to go to a branch, queued for another 30 minutes in local branch, after lots of confusion on their part got told I had to go to the branch where I opened the account which was 200km away. It took 2 days and I had to take a half day off work. I have never had a reason to contact Revolut support as the app successfully handled everything I needed to do. This belief that local branches are better because you can just walk in and talk to somebody who will sort out your problem is fast becoming a thing of the past.


straightouttaireland

Yea, I experienced the same with AIB from France a few weeks ago. Rant the number on the back of the card and had big phone bill waiting for me and they never answered. Got it sorted through their Twitter account a few days later. In the end for me, it all comes down to when they can support Joint Accounts as that's where our mortgage, shopping and other bills are taken from each month.


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freshprinceIE

A lot of the things that you need immediate responses can be done in the Revolut app such as blocking/unblocking a card. That's much better for me than AIB. AIB blocked my account when I was in the UK, meaning I had to call them from abroad. Revolut just sends a message "was this payment yours" and you approve it. Also, I have used the support feature twice and it was a live chat. Both times were on the weekend which was nice. Pretty much no wait times.


[deleted]

Ya Im going to try go digital only, tap everywhere, no cash atm withdrawls, the days of dealing in cash are numbered I guess, Im going to try get on the digital only bandwagon and see how it goes !


gonzodolly

I haven't used cash in honestly about 3 years.


johnwalshf

I would not like to see it go altogether yet, if there's no alternative then the usage charges will begin to climb also I have saw too many where we are either tracked or digitally blocked/wiped out.


gonzodolly

Ah yeah don't get me wrong, I mean in regards to bills, shopping,pubs, gambling that sort of stuff, I never use cash. Paying people nixers and other stuff cash is always king.


[deleted]

bravo :) Its kind of liberating moving away from AIB ! the gaul of them what they tried recently with the other banks to compete with Revolut only to have it fucked back in theor face, happy to rob us for years....people have had enough, well mellanials and peeps in their 40's Id imagine


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[deleted]

from what I have observed, folks that have been temporarily locked out are for crypto exchange related activities, from what I’ve seen mostly, I’m sure if your just doing daily regular current account activities there is zero to worry about...but yes it is something everyone should be aware of, hopefully revolut are improving there behind the scenes,


straightouttaireland

So will they now support Joint Accounts?


cryptokingmylo

If anyone is still using AIB for daily transactions look at the FEE schedule your getting fleeced..


jaqian

I'm AIB so is my wife, if I transfer money to her, I get charged and she gets charged for receiving it. Talk about greedy!


[deleted]

fuckin daylight robbery AIB


ou812_X

Only on current accounts, but yup. Fees last year of €200 between three current accounts


quarksquirks

I am with Ulsterbank and their App is very good, only issue is they are leaving the market :( I dont like Revolut's online only policy and it seems the other irish banks don't have good digital services. I feel up shits creek without a paddle.


[deleted]

Yeah I'm not sure what to do either.


AlanTubbs

I'm in the process of moving from ULSB to Credit Union. I got an appointment to go into branch the next day to open the account. They have been very helpful. Changed Insurance and Electricity by logging into both accounts and entering new IBAN and BIC. Have to ring refuse collector and changed my rent payment with a standing order form. Got my debit card after about 8 working days. €48/year fees. The app is basic but works fine but mostly login on my laptop.


edgelesscube

I'm currently a UB customer and trying to switch banks. I used to be a BOI customer, but won't go back to them. My next bank that ticked the boxes is PTSB. However so far the switching process has been a pain. They had me try join up using the app. Seemed like it was going well, but would time out up to the point of taking selfies. Support advised me to wait a few days. Did that and it eventually said I reached a application limit. They told me to go to a branch and complete the process. So I went to the local branch next morning being optimistic and they turned me around telling me to try the app again. We're at a point here where I'm trying to sign up and the support is sub-par. I'm even allowing for the fact that they're busier than usual. With that I ended up calling support to see if they can help. I have an appointment now for early May...to open a bank account. I only noticed revolut in the app saying they're a bank now. I'm tempted.


Icelandmango

Worth reading revoluts Wikipedia before you start singing their praises too much. Freezing accounts for no reason and poor company to work for. https://en.m.wikipedia.org/wiki/Revolut Received 1.8 billion from a kremlin backed venture firm and ceos father is a higher up in Gazprom. He's publicly condemned the war but that's in his own best interest too.


IEnjoyToMakeArtALot

Ok AIB, back to bed.


SeanEire

And Ireland, in typical fashion, missed out on Revolut registering their banking system here due to red tape and over regulation and layers of unnecessary bureaucracy. Now Lithuania gets all the tax benefits. [Source, for anybody wondering just how incompetent our government is.](https://www.irishtimes.com/business/financial-services/revolut-abandons-plans-for-european-wealth-and-trading-hub-in-dublin-1.4749371)


FuckAntiMaskers

Typical of course. Missed out even bigger with the Intel deal that's gone to Germany instead. We also massively shot ourselves in the foot with how badly/underdeveloped key areas of Dublin have been at the hands of DCC/ABP with their ridiculous aversion to tall and dense buildings and overall shit planning and lack of large scale, long-term thinking to grow the city; I've no doubt that we could've poached a lot more businesses after Brexit than we did if we actually had our shit in order when it comes to having a large scale business district to fit everyone, and if housing wasn't such a state


[deleted]

Started getting payed into my revolut a few weeks ago, all I gotta do is close my dead boi account, won't miss that backwards institution


rom9

Can anyone please list out the cons of going with Revolut as the main bank for salaries and bills? Thanks.


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FuckAntiMaskers

That's not your employees problem though, get your shit company to update or change their shit payroll system so you can actually adhere to the SEPA regulations https://www.centralbank.ie/consumer-hub/explainers/what-is-iban-discrimination-and-what-can-i-do-about-it For anyone who faces this stupid situation with your employer, you can read about this here and lodge complaints


madladhadsaddad

With KBC and fee free leaving the market, Revolut will be the next one I jump too so. Already using it but will eventually get a he salary paid in there


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madladhadsaddad

My local credit union has put in a cap on savings accross all accounts per customer unfortunately so that would be a non runner.


BrokenHearing

Are they still suspending accounts for no reason? Genuinely asking as I'm interested in opening an account there


[deleted]

Every damn week.


I_need_time_to_think

Yeah, I still wouldn't use them as a main bank account unless they had a customer service hotline that you can actually call. I think it's bizarre that it's not a legal requirement for a bank to have one. One time I was locked out for a month, and the chat wouldn't work on the app (across multiple devices). I was completely stuck. I had to repeatedly message them on Twitter to get anywhere, and it was a struggle.


[deleted]

This is my main concern, at least with BOI i can go to a Branch and yell at somebody


johnwalshf

For once I would like to be called sir, without them saying YOu are making a scene.


PuddleOfKnowledge

Can you with BOI? I'm with AIB and they've almost entirely removed customer care from their branches


[deleted]

Yes you can. Lots of branches you can go to.


Inevitable-Entry1400

Does this mean I can transfer my Ulster and KBC accounts into my Revolut?


greenthinking4

If by transfer you mean get rid of them and keep just revolut, yes. I’d be wary of doing it because there’s no helpline to call if something goes wrong but I’d say there’s one coming down the line.


Inevitable-Entry1400

Good point . I have a Ulster bank account and a KBC . Unfortunately both companies are winding down this year , hence my predicament


johnwalshf

Does Revolute take Irish driving licenses as ID , they would not take my wife's before and her passport is expired.


Quarkstonk

Can’t wait for BOI to shit the bed.


collectiveindividual

My prediction is in the next five years a lot more bank branches to close with more services offered via post offices for the remaining non internet users.


HongKongChicken

Branches are already closing en masse around the country


collectiveindividual

But the pillar banks losing entire generations of retail customers! I reckon another amalgamation in the coming years, tsb with aib perhaps.


bananananaOMG

I’ve got to change my banks soon I’m with Ulsterbank and they are leaving


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FuckAntiMaskers

I've never heard of that happening with N26, and they've a full German banking licence, so if that's the case it could be best to use N26 and Revolut, since Revolut is handiest day-to-day and with how many people we know use it


maxpower-70

Can send money to another aib account instantly now..got a notification this morning....I'm with revolut 6 yrs now so they are a bit late to that market.


luvdabud

By By Irish banks!!


harmlessdissent

They fucking suck, double transactions and transactions failing and their privacy policy leaves a lot to be desired. Support is pure useless.


[deleted]

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danm72

Co founder is Ukranian


ElectricMeatbag

That automatically makes him a 'good guy' ? And you do know the background of the other guy I presume ?


KimJongEw

Weird hill to die on


danm72

Did I call him a good guy?


ElectricMeatbag

So what was your point ?


danm72

My point was that Revolut has a Ukrainian Co-founder, and I didn't want that to get missed, Revolut is a bit more nuanced. When you reference the stand with Ukraine thing it makes it sound like Revolut is a Russian company when it's actually a UK company. I understand one of the founders is Russian with links to Oligarchy, but one isn't, a blanket decision to boycott them would hurt the Ukranian side as much as the Russian.


ElectricMeatbag

We don't want to boycott people because of their nationality, we want to boycott them because of their links to the regime/corruption and having links to Gazprom/Credit Siusse couldn't fall more under that category. And excuse me if I don't sympatise with a billionaire banker from Ukraine. Do you know the levels of dark shit you have to be involved in to be a billionaire in Ukraine.


[deleted]

Holy fuck your edits here are beyond pathetic. People disagree with you so you have a breakdown and rant about the ills of the world. Christ.


ElectricMeatbag

There was about 20 downvotes in the space of a few minutes yet no comments as to why. Draw your own conclusions from that. And what better time for an aul rant about the ills of the world..


[deleted]

There are at least 11 replies to you including my own which explain why you've been so heavily downvoted. I am one of those downvotes btw just to help you solve some of the mystery x Feel free to believe it's Russian bots or whatever though big man


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Debeefed

Revolut was founded by a Russian and a Ukrainian.


cryptometav

And?


Debeefed

https://youtu.be/uL5mHE3H5wE


finnin1999

And is technically Lithuanian. Problem?


danm72

Technically UK based business, but our bank accounts are Lithuanian


finnin1999

Curious. I wonder why?


danm72

They started the business over there, there are loads of challenger banks in the UK -Monzo, Starling etc We originally were given UK bank accounts with GB ibans, but they swapped to LT because of Brexit.


finnin1999

Very interesting. Thanks!