Just completed switch from PTSB to KBC, sent of the first lot of paperwork on June 15 and mortgage was drawn down on 31 August. Mortgage amount €70,000. Monthly repayment reduced by €25 (small saving but I wanted to leave PTSB) and term reduced from 21 years to 20 years. For the most part KBC were very helpful, I could of been quicker supplying some of the paperwork which would have reduced the timeframe. Within a week of drawn down KBC had paid the €3,000 switcher bonus into my account, valuation and Solicitor fees were just under €1,400. Overall the process was relatively painless and didn't take up to much of my time.