Can she not just pay the €15 though and do nothing?
Can she not just pay the €15 though and do nothing?
Is there a particular reason that the account has to be formally closed?
It is just one of the idiosyncrasies of the Irish taxation system. You'll find she is most likely also being charged €10 for her debit card and €10 for her ATM card or else €20 if she has a card which combines them both. So be annoyed about €50 instead of €30. Although €30 is an improvement on the €40 which it has been until recently.
These fees also suit the big credit card companies because nobody is going to close their account to move it elsewhere as they fear they are going to get stung for €30 to close it. If they pay the €30 they can get a certificate to send the new credit card company but that involves a lot of faith in things going right. It also stops people having more than one credit card, using the one which suits the transaction better.
Remember this method of discouraging people from using cash-free methods to spend has increased the country's reliance on cash, which the government was until recently paying the army to move about the country.
The banks, until recently anyway, have been private companies, their customers private individuals. I don't see why the government has seen fit to impose this tax. It would be like putting a €30 tax on having a card to get a DVD out of Xtravision.
Stupid narrow-minded badly-run backwater republic.
The €30 fee is an annual charge. If she pays the €15 and does nothing else, she will be charged €30 on 1st April next year and every subsequent year, as long as the account is left unclosed.
Ah yes the 'line rental' of the banking world
Surely if the yearly charge is taken out on April 1st then you are fully paid until April 1st 2010? And there should not be a charge for closing it?
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