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The 30 euro stamp duty is for credit cards. Going by the other posts in this thread, this is a debit card. The stamp duty for debit cards is 12 cent for each ATM withdrawal and it maxes out at €5 a year.

Don't know about iPhones but with Android phones you can set it up that it always requires the device to be unlocked to use contactless

Did she also give these guys access to her AIB account. It sounds like it going from this.

Does any one want to do the math on how much money you need to have saved there for it to make sense to pay extra for the Smart/You/Metal account to get more interest

Interest is daily so there was probably a few days less than exactly 6 months. e.g. A months worth of interest for February isn't the same amount as a month's worth of interest for March. So, depending on what months your 6 months will cover will depend on how much interest you get.

So after the year you are best to empty the account and put it all in Raisin. If you haven't maxed out your Trade Republic and LightYear accounts, you would be best to put your monthly savings in them until you have. Usually with regular saver accounts, the interest rate applies to the whole...

Does this mean that with 4 accounts after a year you have 48k earning 3% and you just have to withdraw 1k per account and deposit it back again? It works but sounds like a lot of hassle when you can get 3% or more on Trade Republic, LightYear and multiple accounts on Raisin.

https://www.europarl.europa.eu/news/en/press-room/20240202IPR17318/ensuring-euro-money-transfers-arrive-within-ten-seconds They have 18 months to implement it so expect the Irish banks to implement this in about 18 months.

Exactly. Most regular savers are simple enough to understand. Max amount of €X per month and it earns Y%. Reading the posts above I haven't got a clue what the hell they are talking about and I would consider myself good with money and personal finance.

A savings account that requires a PHD in maths just to figure out how the interest works. This really is just a way for them to tell people they have improved their savings rate but making it complicated and cumbersome enough that they hope people won't bother their hole actually using it.

It seemed inevitable that they would once they stopped offering cashback. There is no reason to use them anymore. Once it ended I took all my money out (not that I had much in there to begin with) and started removing the cashback I was still waiting to get added to my account on a regular...

Advanzia just isn't worth the hassle. Plenty of options that are close in rate (trade republic, lightyear, raisin etc.) to just not be worth the hassle/

I thought revenue were usually pretty good and efficient but seeing these reports that people are getting charged the wrong tax is a little frustrating.

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Plus if they put the 400 euro a month that is going into the Zurich fund into their emergency fund, 5 months from now the emergency fund is back to where it is now.

This. If you didn't have an emergency fund you wouldn't borrow a few grand at 22% to start one which is essentially what you are doing here.

It is nice they are being more careful as lots of people get scammed and lose a lot of money on fake and scammy investment companies but this is ridiculous. A quick google shows you they are legit.

I think secured credit cards are used in the US by people who don't have a good credit score to build up and improve their credit score. @igotadose - We don't do credit scores here. You don't need to take out loans and credit cards here to build up a credit score and give you access to better...