n26, bunq, wise credit score questions

[Rotweiler]

Hello,

I have done some research and it looks like that, in terms of credibility in Ireland, many lenders are checking your IRISH transactions history and those in the title are all foreign entities and the transactions you are producing there is not giving you an advantage when you reside in Ireland.
Is that correct? Does anybody have any opposite proof?

Because I am really sick and tired of 90's IT system of Irish banks as well as non logical fees schemes.
Any advice is welcomed =)

 

[Paul M.]

If you mean when applying for a loan, you normally have to provide all current account statements, regardless of whether they are in an Irish financial institution or not.

But to be clear:- there is no credit score system in Ireland and only loans are reported to the central credit register and hence included on credit reports. See https://www.centralcreditregister.ie/borrower-area/what-is-included-on-a-credit-report/

N26, Bunq, Wise, etc don’t report current account activity to the Central Credit Register, just like BoI, AIB, KBC and ptsb don’t.