Hello, my husband and I plan to open a joint current a/c with EBS (it's called an EBS Money Manager Account) We found this impartial site useful for current a/c comparisons: compare.consumerhelp.ie/currentaccount
Currently we have separate current a/c's with AIB, (I have a graduate a/c which comes to a close next month and my husband has a student a/c which is ok for a while yet and when that goes he'll be moved onto a graduate a/c which is still free banking for two years) My husband is keeping his AIB current a/c, as well as us having a joint current a/c with EBS.
We each also have student credit cards with AIB (credit limit of 1k on each). What happens my credit card when I move from AIB to EBS? We owe zero on either card and are almost never in debt on the credit cards. If I close my CC a/c with AIB will EBS give me a new CC? Or do I have to leave my CC where it is, with AIB? I know EBS credit cards are from MBNA.
I have a BSc and MSc in IT. I am completing a p/t online certificate course in programming with a foreign university. My husband has started a one year Springboard course with a local college. I plan to start my career in the coming weeks, at the latest before Christmas. But when I, we, move to EBS we will still be in receipt of a social welfare payment. Might this affect whether or not EBS give me a CC (even with a limit of 1k), even though I already have one from AIB? Thank you.
I would leave your AIB CC accounts as they are. You can have CC account with AIB without needing a current account with them. I have this exact arrangement. Therefore you wouldn't need to apply to EBS for credit card.
Regarding current account, PTSB have better offering IMO than EBS. You need to lodge 1500 per month for free fees, whereas EBS only seem to give first five transactions free.
EBS don't issue credit cards anymore. Sounds like you've been reading some outdated info.
Moving current account should have no impact on your CC with AIB. They're separate products.
Watch out as there are fees for EBS unless you lodge 1500 or keep 500 balance: http://www.askaboutmoney.com/threads/personal-current-accounts.21774/
http://compare.consumerhelp.ie/CurrentAccountCompare.aspx?i=239,414,
EBS don't issue cheque books but if you have a problem with the €1,500 then it's a good choice.
Customers can get 5 free withdrawals each month by ATM or in branch (cash or cheque) if either at least €1,500 is lodged to the account each month, either in one lump sum or in instalments or a minimum balance of €500 is maintained in the account each month.
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