Wiresandmore
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Good point. Suspect is an auto-generated response which needs updating in light of Covid staffing issues and also I assume what must be now an increasing number of new account openings from UBYou would wonder why they tell people it will be one day......better to tell them it will take four days and produce the goods after three days.
Just to update on this I got IBAN same day. Will see how long online and cards take but impressed so farGood point. Suspect is an auto-generated response which needs updating in light of Covid staffing issues and also I assume what must be now an increasing number of new account openings from UB
Slightly off topic but this difference in quality of customer service (between BOI and AIB) is going to cause some/many people to switch their mortgage from KBC/UB to BOI, even though AIB are much better value over the long term in most cases.I was previously an AIB customer before I moved to KBC. When I tried opening an acocunt through the AIB app I was told as I was previously a customer I could not open via the app and had to go to a branch in person. So I tried ringing the branch a couple of dozen times and it was never answered. So I went to the branch on 20th May (today) and was told they could not help me today and I would not get an appointment before July. Went straight to BOI down the road, was seen straight away and have since applied online for a Current acc and Credit card with no fuss at all.
Quick Update, I received my new BOI IBAN the same evening I applied to open the current account. Very surprised and happy with this efficiency.Slightly off topic but this difference in quality of customer service (between BOI and AIB) is going to cause some/many people to switch their mortgage from KBC/UB to BOI, even though AIB are much better value over the long term in most cases.
What type of obstacles were made in terms of proof of address or id? When I look at this they just want a passport and utility or other bank account statement with your current address on it. https://aib.ie/our-products/current-accounts/basic-bank-accountSo we made another attempt with AIB and once again they put more obstacles in our way, mainly related to the proof of address and id requirements. The main reason we tried again was that ideally we would like one place for our bank and credit card accounts.
In the end we decided to try the credit union and the difference was night and day. We walked into our local branch with no appointment ( we were told we wouldn't need one) and the account was open within 20 minutes. There were no issues with either our proof of address or id. We'll transfer the direct debits ourselves and we should have our bank cards next week and also should be able to access our account online in a day or two. As we know the staff it was all informal and friendly.
Now to politely tell AIB that we got the hint and won't be proceeding with an account opening with them.
The difficulty was that they wouldn't accept a number of alternative letters as proof of address. We had brought one from revenue, one from our car insurance and I even brought a letter from Ulsterbank and they wouldn't even accept that! I had pointed out that we no longer get any utility bills posted out as we are trying to be greener and get them emailed instead so utility bills are not something we could provide them with. As I said, the Credit Union were quite happy to accept any one of these.What type of obstacles were made in terms of proof of address or id? When I look at this they just want a passport and utility or other bank account statement with your current address on it. https://aib.ie/our-products/current-accounts/basic-bank-account
Is the difficulty that they wouldn't take the digital copies of the documents or something else? Thanks
I'm fairly certain they will take pdf copies of utility bills.The difficulty was that they wouldn't accept a number of alternative letters as proof of address. We had brought one from revenue, one from our car insurance and I even brought a letter from Ulsterbank and they wouldn't even accept that! I had pointed out that we no longer get any utility bills posted out as we are trying to be greener and get them emailed instead so utility bills are not something we could provide them with. As I said, the Credit Union were quite happy to accept any one of these.
Keep us in the loop please - I moved to BOI in Jan and it is so-so. Mobile app and internet Banking are really a blast from the past (90ies). Newirishwoman is with AIB, so don’t want to move my stuff there. And ptsb will not get any business from me ever after having experienced their customer ‘service’ once.I also applied for a Bank of Ireland credit card, as I clear the balance monthly I'm not overly worried about the interest rate and it tends to get used for work expenses or flights. Applying was easy but took around 8 weeks to get that card approved. Main issue was bank statements, they were so slow that my bank statements I'd uploaded went "out of date" twice so some box ticker in the bank sent the application back to me for me to upload new statements
Wife also opened a BOI current account and then opening a joint account for the household bills etc was a doddle. Have to say though, their app is seriously outdated, we'll give it a few months but would not be surprised if we moved again,
shockig but she was honest i guess.. Ned O'Keeffe got laughed at in the Dail when after the banking collapse he bemoaned the banking mergers of the 60s and wished we still had the National Bank and Munster & Leinster .... in lots of respects those mergers were wrong...We decided to open an AIB current account pending the closure of our Ulster Bank account. We were opening an Advantage account.
I asked the lady that was opening the account if they actually wanted us as customers....she replied "not really" "there is nothing in it for us".
the National Bank and Munster & Leinster .... in lots of respects those mergers were wrong...
It's a tough one.
The IT and compliance overheads are huge for banks. They really have to be of a certain size.
If a few of us got together to set up a customer-centred bank tomorrow, it would be very small and completely unviable.
Brendan
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