I use it all the time. Although, it would be dead dandy if our ATM’s were kitted out like the American ones and you could deposit cash and cheques into the ATM, would mean far less people would have to actually go into the bank

My Nigerian bank takes care of everything!… Just waiting for the billions of Dollars to arrive first. I thought it was a scam. Silly me.

My pension is paid into my bank account so I pay all bills by DD or online. Even ‘Mammy’s Bank’ – the bank that would like to say no but can’t, – has her children online for quick transfers. Then I use the ATM in my local MACE for cash withdrawals. Unfortunately, no-one ever sends me cheques or gives me cash to lodge.

It’s the future! What’s needed now is nationwide high speed broad band, and efficient bank regulatory system, to deal with the crooks in suits,

Aye, I use it everyday…handy to transfer money from my Irish to my UK account and vise versa for my loan etc. Would be lost without it! AIB’s system is pretty good imo, alot better than Lloyds who I bank with here. And that’s a good thing…obviously there isn’t a local AIB branch near me…!!!

I picked ‘yes, for all my banking needs’. Though I’ll admit that I usually go into a branch to lodge money or cheques and I was recently in to get advice on opening a joint account. But without a ‘I use online banking for everything it’s possible to use it for, and that’s almost everything’ option, I figured that was closest.

Who doesn’t have a bank account?

Our former high esteemed Taoiseach Bertie I’d say

@ Eimear Smith,nYou sound lovely Eimear. Just like my own daughters. Same sense of humour.

Online banking!!! Not for me. I like the personal face to face approach at my bank…..Coutts.

AIB’s mobile web app is excellent, with a secure mobile website you know that you’re dealing with tried and trusted technology (https).
God knows what backdoors and insecurities exist with native apps…

I have internet and phone banking. I can check my bank balances online instead of going to an atm to check them. Technology is great.

If there wasn’t cheques I wouldn’t need to visit the branch nearest me which is 12km away. Hope they don’t close that one!

I feel forced to use online banking by long queues in the few AIB branches left. This number is getting smaller by the day. If the credit union did current accounts I would leave the robbing Irish banks in my wake. I never borrow money from banks. The credit union has looked after me for years and the staff know me personally. I have never been turned down for a loan even though I missed payments when I was between jobs. I think online banking has a useful purpose when you are out of the country but to
Be forced to use it for all banking needs is folly……….. All I have to say is ULSTER BANK,

I have online banking with NIB. Basically they don’t want you going next nor near their branches to the point that they’re closing them all down! I know people in my local branch losing their jobs and because of that, I’m going to start shopping around for a new bank. It has to be about more than protecting profits.

Bank of Ireland Online banking pales in comparison to AIB when it comes to things like adding a beneficiary for transferring money into other peoples accounts. AIB have a code card and can do it swiftly with little to no fuss, if I was to give money to someone, I would have to add them as a beneficiary and a pin is sent out in the post to my house and I then have to activate it, so it would be about a week!

I use both – I still need to go to a branch for the odd cheque or to convert back some foreign currency post holidays. Plus I use it to cash in my penny jar!

You would think banking would be more advanced then what it is. 5 working days to clear a cheque? Bank drafts can’t be cashed, It drives me mad. In my business it’s all cheques. Fun fun! Ulster bank customer service has gone to the dogs aswell. They were so rude to us during their mess up.

If you need to withdraw more than €2500 you have no choice but to go into the branch.

Online banking works best with iMint.app – Print Your Own Cash at Your Desktop!

Available from all friendly Vanuatu bank web sites.

Here in Finland, cheques haven’t been used for over twenty years and almost everyone uses online banking for everything. Online banking is also used as a means of electronic identification on a range of different sites: the revenue commissioners, for example. Having said that, there are some downsides: there is no way to lodge cash quickly – you have to queue up for the counter – as cash is on the way out.

Have used online banking for years. Unfortunately, I still have to go to the bank for foreign currency… Yes, I know it’s now available at the post office but the queues there are just as long as the bank and the exchange rate is terrible. God, I hate going to the bank …..the service is brutally slow.

Online banking is all well and good for most people but what about those with literacy difficulties. There are thousands of Irish people who cannot use the ATM’s to withdraw money from their account so these people need their local branch to remain open. There is no point in pretending that closing many of the smaller branches will not affect people, it will and badly affect them.

Anyone who says they use online banking for all their needs is lying! I wish is were possible to never go in to a branch, but online banking just isn’t that advanced yet!

i cant cash a cheque online ;)

I use the online facility just to keep tabs so that I don’t go overdrawn and am fortunate to have some very helpful counter staff in my local bank. They have been instructed to persuade me to use cash machines and when I go al ‘technophobic’ (which I’m not!), they have to come out to show me how to do it! At which point I ALWAYS make a point of pressing the wrong button (lol)! In the end they have to take me back to the counter and we do the transaction in the ‘old’ way. That is when I tell them that I’m never going to do it because I don’t want them losing their jobs. I do the same in supermarkets when I am instructed to use the self-service facility, Someone has to come and help me and I do that wrong too!!

Can’t understand what all the fuss is about re branch closures albeit regretable for the staff concerned. I can not recall the last time i was in a Bank Branch apart from changing some sterling. Post Bank was a brilliant concept, not a single transaction charge and you could do pretty much all your banking at local post offices, sadly now closed, i moved to NIB knowing as I did then they intended shifting all over the counter transactions to the Post office. Now with them two years, i rarely if at all have a need to contact them and their mobile app is fantastic as is their online facilities. It just amazes me that BOI, AIB, PTSB and Ulster continue to subsidise branch banking and i assume at a massive loss.

Just downloaded bank of Ireland’s heralded mobile app to find I could not transfer money to accounts I can transfer to on the computer. A disappointment to say the least, but not surprising…

Oh, meant to say I don’t ask the bank for loans, the credit union is the one for that, they’re great and I’ve never been turned down for a loan. I wish they had ATM’s etc, I wouldn’t go near ANY bank if they did.

As I am paid in cash I have to go to the branch once a week to lodge in, other than that all my banking is done online and through ATM’s. I am impressed with the auto bank machines at my new bank, PTSB, if only they could incorporate the lodgement function of those into their ATM’s I’d be singing.

I’ve been using online banking for over a year now and the first time I had to go into a bank was when all this crap with Ulster Bank and their IT problems began. Over a three week period I had to go to a bank three times, the first time I went in it felt weird as it had been so long since I’d been inside one. You definitely could get by without having to cross a bank threshold… oh and it’s great… well, until their system goes pear-shaped!

Hey Thoma
I suppose all of the above who use online or telephone banking are liers. Cop onto yourself and come into the 21st century. I use it also for overseas transactions and never had an issue, so i think it’s you who is not that advanced.

Hi Tim,

Ever tried going to B of I in Tokyo?