heisenberg
Registered User
- Messages
- 20
If you ever need a mortgage, and you have a long history with the bank, I would imagine that that would count for something. For example, if you are trying to get an exception to the 80% LTV rule, you would have a better chance if they can see a long history of living within your means.
Yeah this is a concern for some people. I use PTSB which mitigates this somewhat as they have more of a high street presence than KBC.From a practical perspective, are you ever going to have a need to walk into a branch to do any business, for example, lodging cash? That may need to be factored in given the lack of branches KBC have around the country.
IMO its a mugs game paying fees on the off chance it might help you down the road.
Thousands of people moved to ptsb for free banking and ended up paying over 6% on their mortgages while AIB and BoI were charging 3%.
Can you not leave mortgage where it is and move current account?
Yes, you can. But many people didn't even have mortgages. They moved to ptsb long before they took out a mortgage and then went to them for their mortgage without shopping around.
Brendan
The one concern I would have with "new kids on the block" such as KBC is that at some stage in the future they could do a "Danske" or an "RBS" and pull out of Ireland, leaving customers high and dry and having to revert to one of the big "pillar" banks.
I've toyed with the idea of switching banks also, although I can't say anything by way of complaint or dissatisfaction in my dealings with my current bank, so will probably stay put.
The one concern I would have with "new kids on the block" such as KBC is that at some stage in the future they could do a "Danske" or an "RBS" and pull out of Ireland, leaving customers high and dry and having to revert to one of the big "pillar" banks.
Start small with the StanJames.com free £10 bet. Also hotel rooms in Vegas are deadly cheap, you should definitely take advantage of their naivetyI try to use my credit card as much as possible and thought I'd take advantage of KBC's credit card with their 1% cash reward offer.
How committed are they to Ireland?
The Irish banks have numerous faults, but at least we know that they're here to stay.
KBC have publically stated that they will "review strategy" for their Irish operation in 2016.
Given the massive recent level of investment that KBC have put into their retail operation it would be a major volte-face for KBC to exit.
CiaranT said:...Far from a cast iron guarantee that Permo will be around indefinitely.
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