Moving to Ireland - any issues with keeping my UK bank account and credit card?

Discussion in 'Banking, credit cards, etc' started by Michael Heary, Aug 11, 2017 at 3:10 PM.

  1. Michael Heary

    Michael Heary New Member

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    I'm moving over to Ireland shortly and am thinking about keeping a sterling bank account and credit card.

    I have a sterling widower's pension which is currently paid into my Halifax account. I also have a Halifax credit card which has the advantage of not having extra fees and charges for withdrawing money outside the UK, so when I travel outside the Eurozone (say Sweden) I can withdraw cash and make purchases without incurring the extra charges that my Irish bank makes for use there.

    Are there any issues with maintaining a UK bank account, and a credit card in particular? I know there is an annual stamp duty to pay on an Irish credit card but I assume a UK card is exempt.

    Thanks
     
  2. delfio

    delfio Frequent Poster

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    No issue there what so ever. I have both Halifax uk bank account and UK halifax credit card. In fact I applied for uk credit card after I moved to ireland and got it from Halifax without any problem. Mighty credit card it is too :)
     
  3. Michael Heary

    Michael Heary New Member

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    Thanks, good to hear there's no issue at the Irish end.

    I checked with the Halifax branch today so knew there was no problems at their end. Though they did say they wouldn't open a new account for an Irish resident, I would be able to keep my existing accounts
     
  4. Marc

    Marc Frequent Poster

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    790
    Michael,

    You're very fortunate.

    We regularly advise new clients who have already left the UK and it's too late to take out a Halifax credit card which is one of the best available for international travel.
     
  5. Michael Heary

    Michael Heary New Member

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    I've certainly made good use of the Halifax Clarity Credit Card for some years now :) The international aspect is the main reason I got it in the first place.
     
  6. llgon

    llgon Frequent Poster

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    112
    From experience your credit card should be subject to stamp duty if registered to an Irish address. However I don't know if Halifax applies this. I previously had a UK Tesco credit card from living over there which I cancelled once I started getting billed for the stamp duty.
     
  7. Michael Heary

    Michael Heary New Member

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    6
    Thanks for that. Will have to wait and see