Hi,
I think I replied to you in another thread about TSB! I'm already with them (no connection, just moved from BOI for same reason you mention).
Firstly, fees/charges are only on current accounts......hence you don't necessarily need to move your savings, if you are on good rates with BOI. IMO shop around for the best rates for savings and make a decision based on that. KBC have decent rates for instant access, PTSB have best regular saver etc. (see deposit best buys thread).
Again credit cards dont need to be moved, I have my credit card with AIB, which I pay off manually from TSB current account. I have no other account with AIB.
You dont mention what type of account the "account for rental" property is so I cant comment on that. More info?
Three current accounts should be moved easily enough, you can do the DD/SO change yourself or you can let PTSB do it for you. I did them myself as I only had two of them and was a bit paranoid they'd mess it up.
So far so good with them, online is grand, can transfer cash immediately to accounts at home/abroad etc.
Its worth noting that the 18 laser transactions requirement is most likely going to be removed in April based on recent PTSB announcement on fees.
HTH
Thanks for the comprehensive reply.
Having looked at the best buys, it seems PTSB have both the best 1 year fixed (need to check again after tomorrow) and regular savings rates so will be moving my savings as well.
The 'rental' account can be whatever account can accept and pay DD's and is the cheapest!
I always my CC in full the month it is due so was going to move it for easy of being able to use one website to see savings, current a/c's and CC.
I don't think its a good idea to have all your eggs in one basket when one takes into consideration the Ulster Bank situation last year and near miss recently.
Know all the banks have their problems but the info in this post would make me very cautious about moving everything.
I have been with PTSB - I only have current a/c / mortgage with them. Have savings elsewhere.
I like their online banking / open24 is very good.
In comparison to my experience with NIB online - I prefer TSB - easier to use!
Thats my tuppence worth.
Are you implying that PTSB are at risk of going bust, imposing a levy on savers etc??
Thanks.
Are you implying that PTSB are at risk of going bust, imposing a levy on savers etc??
Thanks.
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