They were authorised but not processed or some such BS.
Time to look for a new bank
This was something BOI brought in a few months back. AFAIK AIB already had it in place - don't know about the others.
When you use your LASER card, those funds are 'ringfenced' in your account until the retailer claims the money. If the retailer doesn't claim the money, the funds would be released (after a few days) for your use.
I assume that the t&c of your account refer to the actual transactions that hit your account, and not to the practice of 'ringfencing' funds.
€5 per transaction seems mad. If you do choose to switch banks, make sure you get better value than that.
Yeah this is pretty much the spiel I was given.
€5 is for being overdrawn without permission. I don't want an overdraft and rarely go overdrawn so I did know the first €5 charge would apply. It's €5 for the first 2 and then €10 for the next ones so total of €30 in charges instead of the €5 I thought.
I guess it's a pricy lesson learned
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