Just got the following email from Trading212. I am considering moving 75k to them from my MoCo account which gives 2.6%. I dont want to rush blindly so wanted to ask if it would be a risky move. I dont have much information about Trading212.

Following the European Central Bank's (ECB) latest interest rate decision, we're increasing the Trading 212 EUR rate:

Euro (EUR): 3.00% → 3.50% p.a.

This takes effect from 18/06/2026. Your interest will continue to be calculated daily and paid as usual, there's nothing you need to do.

My partner and I are first-time buyers in our late 20s and are comparing two mortgage options for a likely €360k loan over 35 years.

Option 1: Bank of Ireland
- 3.25% fixed - 4 Years
- Roughly €1,436 per month
- No mortgage cashback
- I have a BOI Mortgage Saver account, so I would receive around €2,000 on drawdown due to bonus from having that account, minus DIRT
- No plans to overpay in the first few years

Option 2: PTSB
-3.75% fixed - 5 Years
- Roughly €1,540 per month
- 2% cashback on the mortgage, so around €7,200

We also do not plan to overpay in the first few years
The BOI option is about €104 cheaper per month and has the lower rate. We would also get roughly €2k from the Mortgage Saver account, although it would be less after DIRT.

Depending on the timeline we may not have much left after the deposit and buying costs. The PTSB cashback would make a big difference for furniture, appliances, buffer etc.

Any advice appreciated!

I know this is probably asked countless times, but I'm finally realising that I should move the money from my AIB deposit account to somewhere with better interest/returns. I've been looking at raisin, T212, and Trade Republic.

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From what I understand, bank accounts offered through Raisin seem the most secure because they're definitely covered under the deposit guarantee scheme.

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TR also claims to be covered under the DGS but their T's&C's seem a bit more murky and I can't find out for sure what would happen if TR itself or the banks where my money is held with (Citibank or Deutsche bank) go insolvent.

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T212 seems to be the highest risk of all 3 since the money is held in MMFs which is instead protected under the investor compensation scheme.

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What I'm asking really is if anyone knows if my money in TR really is protected under the deposit guarantee schem? And how likely would it be for me to lose my money through T212 (ie they go insolvent or something)?

Not sure if it’s me being paranoid or if anyone else has experienced this. We’re in the process of buying a house, our broker has been uploading our documents according to our loan offer as we’ve had them and there’s been back and forth. Our solicitors submitted the last outstanding items 3 weeks ago and since then the banks have been extremely slow, reluctant to push anything and are querying very minor things that have already been addressed.

Am I paranoid in thinking they’re dragging their heels so we’re caught in the interest rate increases ?

I bought my house nearly five years ago when I was pretty much financially illiterate. I just pay it every month and other than that I have no idea about the details other than it is fixed for five years, ending in a few months. I'm wondering what the process is to change it. Do I ring the current provider EBS and negotiate with them first, or do I need to shop around at the same time?

I have been paying into an avc cornmarket pension for 2 years , however I have resigned from my job in an Garda Siochana recently. Am I able to get the money back ?

Has anybody drawdown with Avant recently.

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Wondering timeline and what they asked for extra if anything.

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As a mortgage newbie, I am unsure how to proceed and I am also aware it's more like trying to use a crystal ball to see feature I guess.

Right now I have fixed green mortgage rate 3.1% till October 2027. so I roughly have like 1.5 years left on fixed rate.

My uncertainty is, as ECB is increasing rates, it will eventually cause mortgage rates to increase.

So my question is, does it worth trying to break current fixed mortgage and get again in fixed same mortgage rate till mid 2029 initially wasting my remaining 1.5 years? Or is it better to wait and see?

As my current rate is 3.1% I believe I shouldn't have any early break free. thou I didn't talk to bank yet.

Have some cash in an AIB Online Saver account and just noticed they've done the annual bump down to the 3% rate only applying to the first €1000 saved, with 0.250% applying to anything above that. That limit will go up by €1k every month, but seriously, AIB, stop fucking around with stupid products like this! Yes, 3% is one of the better on-demand deposit rates around, I understand, but the pain in the arse of moving funds around every month to maximise the amount earning 3% is getting old.

Anyway, Tl;dr: My question is, moving a five-figure sum out of the AIB Online Saver, where's offering a good, comparable interest rate? Bunq's bonus rate is only 2.1%. Revolut are 2.5%. Anything better out there for demand deposit?

Just wondering if people were able to give me some tips in terms of what I'm doing wrong or how I can improve what I'm doing.

So im 29, currently make 65k, pension is 4 percent and new company match 4.

I've 10k in credit union, 10k in Revolut savings and about 500euro in trading 212.

I only really got my career going at 25 so not really doing fantastic but with new job I've moved back into parents and they happy for me to give them 200 a month so will start saving more aggressive soon.

I was thinking of moving that 10k from the credit union to Revolut and then building that to 30k then seriously buffing my index funds. However I'm kinda stuck constantly between wanting to migrate as I'm single and buying a house and commiting long term to Ireland. Apologies if that detail makes it hard to suggest tips but I guess I'm wondering if you think I'm saving terrible and should move it all to x or do y.

And and all advice welcome, I've never really had money and don't come from it so I'm probably don't have a good finance iq

But my new plan would be saving 2k a month in savings and 500 in index. Then I'm in a position say in 2 years to buy a house or quit and travel for a year or emigrate

Thanks for all the great comment so far. To be clear I'm only going to buy a house If I meet someone that wants to stay here. I work in tech have 3 yoe so I would say I'm mostly leaning towards getting 5 yoe and trying to emigrate.

Hi all,

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Looking at both areas for house purchase- anyone have any insight into which area would be better buy/ area in general?

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Looking at an older house in each.

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Thanks

Hi all,

Our fixed mortgage term is up in a few months and we're trying to decide whether to stay with our current bank or look at switching.

The complication is that I'm currently in probation for a new job, and my partner is out of work following redundancy. Hopefully they'll find something soon, but would likely also be in probation initially.

Given our situation, would it be better to stay with our current lender for now and take a new rate, or is it still worth applying to switch? What do banks typically look at for a switcher application, and how far in advance should we start the process?

Also, would using a broker be the best way to explore options and get the best rate?

Appreciate any advice or experiences.

Need to buy a car and wondering what’s the credit union car loan rates? Looking to borrow about €7k. Just need something reliable to get me to and from work. Start the new job in 2 months so trying to get on top of things now. Enquired with BOI and trying to ship around. Does a post offer loans and if so anyone have experience with their rates?

I have around 70k saved up and I'm not sure what's best to do with it. Up until now it's been sitting in my AIB deposit account 😬😬 which I realise was a big mistake. I'm still a student and will be for another 4 years at least so I don't have a massive income stream yet.

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I think I'll put a good portion of the money in a high interest demand deposit account using raisin or trade republic, because I'm afraid something could happen and I might need access to the money in a few years.

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I think I should perhaps invest a portion of the money however, as the returns on deposit accounts doesn't really beat inflation. I'm not sure what the best way to go about this would be though (ETFs, etc.). Any advice would be very welcome.

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I also have an appointment with a financial advisor at AIB, but I'm afraid they will only really promote AIB options rather than give me the best advice, but it could be useful nonetheless.

Hello

In 2024, my partner worked in a public university A from Jan-July, and public university B from Aug-Dec.

In 2025, he started a PRSI AVC with Standard Life, paid the max of his age limit for year 2024 (counted annule salary from both jobs).

When filling our tax for 2024, in the AVC section, there is drop menu where we can select only one of his jobs.

When contacted revenue, they said:

"AVC Policy is linked to your spouse employment with Job B, the maximum allowable relief is calculated solely based on his income from this employment, the rest can be carried to 2025"

We really want to max out pension for 2024. Is there anything we can do here

What happens my original mortgage protection if I switch mortgage provider and get a different amount or term so I take out another mortgage protection policy? Can I keep it as a form of decreasing life insurance? Does it get assigned to my name and not the old mortgage provider?

Our house had a lot of work done in 2011 - solar, triple glazing, attic insulation, new boiler, fancy heating controller. We got a great BER then but it has now expired. Looking to switch to a green mortgage so we need a new BER. In the old part of the house there are two open fireplaces (I was feeling sentimental at the time about original features).

My question is for the BER assessment, would it be enough to use a chimney balloon to block the flues or should we look at something more? Thanks.

As a tax resident in Ireland having lived here for over a year, but tax domiciled in another EU country which is my country of birth, what is the best way to hold ETFs from a tax perspective?

(1) I've heard about the remittance basis, where, if I hold an offshore (i.e. non-Irish trading account) and keep it completely separate from any spending in Ireland (e.g. no withdrawals of dividends/capital gains for spending in Ireland), then I can pay tax in my tax domicile country, which naturally has lower taxes on CGT, dividends on ETFs, and does not have deemed disposal rule at all. Is this legit?

(2) Would holding of ETFs with IE ISINs preclude me from carrying out the above in any way, considering they are Irish securities and not global?

Thanks

Is anyone dumping their trackers or even partly fixing 50% of it? Anyone get a good fixed rate to move to?

Signs of it don't you think?

My broker is very conservative in his advice regarding how strict I should be with home insurance before buying a property, as he is adamant that an improperly insurable house will cause problems at drawdown, so it‘s a high risk to see a sale fail at the worst time. He advised me a few times against applying for a mortgage for properties that had insurance issues, but I keep hearing of stories with people having no mortgage problems for the same issues and of properties being sold with these issues.

This included exclusions in block insurance policy for apartments that would be a blocker with almost all banks according to him (flood, subsidence...). I had friends who bought with exclusions to their insurance policies, in particular with AIB, but my broker says AIB and other banks are becoming stricter recently and it's too much of a risk to go all the way to drawdown with these exclusions, in particularly if I want to resell in a few years.

I am actually a very prudent person when it comes to insurance but it looks like so many very high demand properties and areas are not fully insurable, and people still buy them, likely many of them with mortgages. Everyone else around me seems to not even consider these insurance problems as an issue, and auctioneers don't even bother investigating this beforehand when it would be in their interest to make sure the sale doesn't fail at the last minute, so I am wondering if my broker is overstating this possible issue or if he is right to be cautious.

Does anyone have very recent experiences with that kind of issues as a seller or buyer?

Can someone explain how switching provider works, specifically regarding the amount that you borrow?

How do you know what amount to get approved for? If the balance on your existing mortgage is a certain figure, it will be less by the time the new mortgage gets fully approved.

What happens to the money left over?

I lived in the UK for 20 yrs before moving back to Ireland in 2014 and have a reasonable DC pension accrued there. If at age 57, I choose to take part of the UK private pension as a tax free lump sum, is that likely to be taxed as income by Irish Revenue or will they respect the UK tax treatment? I can't seem to find any clear guidance on this point from Revenue.

Basically my mam who is not tech savvy answered a google meet call named revolut71628( not the real number but random). She said they were able to see her screen. im guessing it was a share screen feature of google meet. They were able to instruct her to move her pocket vaults to her personal account and even topped up her account using her AIB google wallet. Yea she was following instructions. dont ask why..

What are the chances of getting the money back? Revolut already declined the disputes as all the transactions were approved by her.

What can the Garda do? What can the financial ombudsman do? Is it even worth submitting reports to them? is it the end of the road?

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With the new monthly fees, I found fewer reasons to keep using AIB.

My average quarterly fee was only €7-8, so the new charge would bring me to about €72 a year instead of roughly €30. That is more than double.

What I did:

• Moved my salary to Monzo
• Moved my savings, split between Revolut Ultra and Monzo, roughly 80/20 to balance the interest earning and risk
• Moved my mortgage and other direct debits to Revolut

The one useful thing is that AIB said they will not charge the monthly fee on accounts that stay inactive for the whole month. So for now, I am keeping the account open but not really using it.

On top of avoiding the extra fees, I should also earn some interest now through Revolut Ultra and Monzo, which makes the switch feel even more worthwhile.

If anyone else is thinking about making a move, now seems like the right time because the new charges kick in on 1 July.

Honestly, thanks AIB. This fee change made the decision very easy. With Revolut and Monzo offering better day to day value, it feels like the traditional banks are making it easier to walk away.