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I got a Google Ad on my phone's suggested articles timeline for an "investment bond" offering the following (direct quotes): 18% annual yield 4.5% fixed quarterly coupon rate 36 months bond maturity period 100% bond buyback value The further wording around 4. does its very best to make it...

Anyone else get a surprise goodwill cheque in post from KBC for €50? Due to poor notification of interest rate changes on deposit accounts. Might scan the letter when I get a chance later. Updated: have pasted scan below.

Is anyone else getting communication from BoI regarding KBC deposit accounts which they believe are closed? I closed my remaining KBC accounts between Christmas and New Year, and had confirmation of same from KBC with final interest paid to my nominated account. However I've had post from Bank...

You can use Google Pay with any card using a Curve card as the wrapper. Not sure why Google don't offer this directly TBH.

I tried to open a new account with Interactive Brokers Ireland 10 days ago. I funded the account as soon as they provided transfer details. Today I received the following by email: Does anyone know why their Irish entity is slow but the Central European entity is not? Is it lockdown related...

Hats off to Revenue who seem to have resolved all the ROS systems issues from last year - my 2020 statement of liability was ready for me this morning, and I was able to submit my 2020 tax return this afternoon.

This question is only tangentially related to my other AVC thread and slightly more theoretical, so hopefully it makes sense to separate them. I want to significantly increase the exposure of my portfolio to equities and have a lump sum available to do so. My DC occupational pension scheme...

My employer's defined contribution occupational pension provider will allow me make one-off AVC contributions for 2018, outside of payroll. I want to maximise my pension contribution up to the relevant pensionable income limit, i.e. age-related % of €115k (I've already maximised my contributions...

This should probably be a separate thread, but you've reminded me of something annoying. Oh it's not just the app that's confusing about which amount is which, the KBC statements are misleading and I've been meaning to put in a complaint about it. Even if you repay the full amount on the...

Although written from the perspective of correcting errors on your US credit report, this blog post has plenty of good portable advice on how to complain to banks about pretty much anything. http://www.kalzumeus.com/2017/09/09/identity-theft-credit-reports/ Some key points: only send them...

Moved from this thread: Irish Nationwide regular saver @ 7.35%? For the benefit of other account holders who may have been charged a notice penalty by PTSB on closing the account: These accounts were transferred to PTSB in early 2011. When I closed my account earlier this year, PTSB...

NIB has released a report from their Chief Economist saying that "Ireland could make savings of €1 billion annually by switching to electronic payment systems." More at [broken link removed] and [broken link removed]. Seemingly the average Irish person takes out more cash in a month than...

If I make a cheque payable to either of two people, e.g. "Alice OR Bob", will an Irish bank allow either party to deposit the cheque? I want to post Alice and Bob a cheque. I'm not sure if they have a joint account and I don't want to ask them. I could make it payable to one or send a smaller...

Hi, Could someone who opened an Ulster Bank Bonus Saver account last year login to their Anytime Banking, and tell me what it says for it under View account details > Account type? Thanks, MugsGame

Moderator test - please ignore.

Split from original query.. People drawing down mortgages now may wish to wait to January so that they maximise the TRS available. There is some discussion below over when the TRS clock starts. Is Year 1 when you draw-down, or when you make your first repayment?

[broken link removed] including all bonuses Balance Gross AER* €25,000 - €500,000 4.93% 5.00% €10,000 - €24,999.99 4.45% 4.50% Bonus paid you when you limit the number of withdrawals you make to one in each calendar quarter and four per annum. Ulster Bank have a similar [broken...

I'm involved with a voluntary unincorporated organisation and am concerned about our tax compliance position. By retaining a small amount of income each year we have built up a reserve / sink-fund to cover unanticipated expenses and / or operating costs during lean years. We view ourselves as...

I've just exercised some share options and will have to file a [broken link removed] soon and (later) make a self-assessment return for this tax year. I'm registered with the Revenue Online system for PAYE self service, but it looks like I'll have to register separately for self-assessment. Can...

Prime Time this Thursday (tomorrow) at 9.30 pm will be following up on the Financial Services Ombudsman's suggestions that there may be systematic misselling of investment products to elderly people. I believe Prime Time filmed some undercover "mystery shopping" and then interviewed well-known...