Thanks everybody. Yes, i have read the threads saying that Halifax might be withdrawing from the Irish market, which i hope doesn't happen as they seem like a really great bank. I was told by BOI and AIB that i wouldn't be eligible for a credit card, regardless of my savings, because i am currently unemployed, so the Visa Debit card seems like the ideal solution. I only need the card for travelling in September so even if they do close it won't affect me (i hope). I am thinking of transferring money into the Halifax account as i need it from my AIB a/c so i don't lose anything if they close....any advice?