They really do make it difficult, as a couple we prefer to keep everything in joint names, so as already pointed out by some, we can't cash in or reinvest online. As we both have SSCN numbers we can buy jointly online but they don't accept credit cards and the maximum single transaction with an AIB debit card anyway is €5,000. So if you have €30,000 to put away it will have to be 6 different certs for €5,000 each.
A repayment form for a recently purchased 5 year cert was posted last week so the proceeds should arrive in our bank account soon, then off to the post office on the 01st Oct with the paper form and a cheque for the new 5 year cert @ 9%. A lot of hoops to jump through to cash in and reinvest but at least it is only one form to cash in. Then to reinvest, one form and one cheque for one cert.
Certainly not easy for those joint holders who might have €100,000 in €5,000 certs bought online, that's 20 forms to cash them in.