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As well as the Laya and VHI free online consultations for some policy holder, there are at least ten Irish web businesses offering the same service, - most with fast access and competitive fees. I understand the principle involved but in the OPs place I would probably save myself time and effort...

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Does this help? It's from CF support page. I received an email advising that my funds have arrived but when I log into my profile I don’t have a balance, why is this? We recently introduced an Aged Balance of funds policy where we no longer offer the Top Up Option. As we cannot hold balances...

The interest payments are loaded towards the end of the term, i.e. structured so as to favour investors who leave their money in for the full 10 years. You can early withdraw all or part of your savings bond/cert cash. I've done this twice in the past six months - both joint accounts so required...

I renewed my Eir contract last month and was able to keep the copper wire. The first agent I spoke to said we couldn't unless we stayed off contract. Our home alarm alerts work via the phone point so I went away to think about it, then spoke to a second agent. This one said it was sometimes...

To be fair, the OP can't move on until they can move their savings account money to another financial institution. I well remember the confusion around KBC closure and automatic accounts transfers to BOI, including the Regular Saver, and others may well find themselved stuck like the OP. The...

I have several BOI savings accounts - including the Regular Saver Issue K - and the only way I can access that money is to transfer it first to my current account, which was also the case previously with KBC. So it appears to be standard. Pity that BOI weren't more helpful - there must be a...

I'm sure Laya won't refuse but they might point out that you have an annual contract which you've paid for, so you'd lose just over one twelfth of your policy cost by renewing your contract early. It would have to be at latest on 31 March to beat the price increase. Do your sums but, as you...

Laya website has a useful easy comparison tool (click on Join Laya, then on Compare your scheme). If you input your VHI scheme, it comes up with Inspire and Inspire Plus, both cheaper but very good schemes and with only minor differences to yours. You have the option to show only the policy...

1. Yes mortgage free on both properties and comfortable. Starting to see the definite advantages of buying first. 2. The risk of our home taking longer to sell is a real one as it's far from standard. And a neighbouring property took 9 months to sell recently, though ours is better in many...

That's a good plus point you make about the safety net of buying first. Whatever the stress from managing two houses for a while, having nowhere could be much worse. We should probably just be grateful we have the option instead of trying to predict the future. And even if we never find a...

House prices falling is certainly one consideration, but yes we can afford it. In a way our situation is enviable but I'm concerned that buying at this point is taking on more than two older folk can cope with. On the other hand, the longer we leave it to find somewhere that suits us, the more...

Unfortunately it's groundworks that we've been advised by our solicitor and two auctioneers will have to be completed before we try to sell. PP is underway for this and some minor retention stuff. All delayed by engineer - we thought the works would be underway by now which is why we started...

We plan to downsize and relocate nearer town, and after finding a total of 5 properties worth viewing in 7 months, we've now found one that fits most of our criteria. We were the first to see it and offered the asking price in cash which was declined - sellers looking for more. But before...

My name is not first on our joint account with PTSB. As I said, I'd no problem transferring €10k at a time to TR. And I had no problems at all registering with TR or with Raisin. Only a minor glitch with getting TR to verify the watermark on my passport - had to Google the solution (which was...

Any help?

Last month I transferred €30,000 to TR in 3 chunks from a joint PTSB account via the app with no issue. Also did a test €1 transfer back, again no problem.

My spouse opened a basic current account with Bank of Ireland UK for the very same reason, and still keeps some money there. This was a few years ago and he opened it over the phone and posted the documents they needed - id etc. Now it seems you can open this account online here...

May I have a referral code for Trade Republic please?

Not necessarily. We're currently house hunting and have just turned down a great 5 bed property mainly because the garage had been coverted into an additional living space. Mr Mct1 wants a nuts and bolts workshop where he can saw, hammer and weld, and we don't want the hassle of converting it...