I learned today that BoI no longer process Interpay (Sterling) transfers from business accounts for sums less than €3,000. The only way for me to transfer money to a UK account is now by ordering a Sterling draft, which costs €17.50 regardless of the sum.
I think it's increasingly the case that if it doesn't make them enough profit and isn't obligatory under law, the banks will withdraw more and more services from their ordinary customers.
For personal banking I now use An Post for any cash FX transactions and Currencyfair for FX transfers. Both at far better rates/lower commission than any of the banks. I'm beginning to think I should just do without a current account altogether; if UB introduce quarterly fees next July that'll probably seal it for me. Why should I pay a bank to do little more than keep my money on deposit at 0% interest?