Maybe the question at this point is why should we all be struggling to obtain visa electron cards from other countries, and not have the option available to get one in Ireland? I had one when I lived in spain and was able to use it in exactly the same way as a visa card, but safe in the knowledge I was using only funds available and not running up any debt. I have asked several banks here only to be told in a condescending manner that if I 'manage' my visa card properly I will have no problems. I duly got my visa card, opted to pay the full amount off every month, and then discovered that because of the way they take the money (the last balance owed at the last bill, not the full amount owing at the time of the debit) I incurred extra fees. What I want to have is a debit card with visa recognition on websites such as ryanair etc, and not a credit card. How on earth did we get lumbered with Laser and is there nothing we can do about it??