Better phones, better insurance, bad banks

[This is taken from A Note from the Next Door Neighbours, the monthly e-bulletin of Andy Pollak, Director of the Centre for Cross Border Studies in Armagh and Dublin]

Nine years ago I wrote an article1 for the Irish Times recounting my travails, having moved from Dublin to Armagh to work for the Centre for Cross Border Studies, when I tried to open a cross-border bank account, buy a mobile phone which I could also use to ring Southern numbers, insure my car and do other normal things that one does when moving to a job in a neighbouring jurisdiction.

It was incredibly complicated. Transferring money between Northern and Southern branches of the Bank of Ireland without punitive charges was impossible. The mass of conflicting information from mobile phone providers made my head spin. The purchase of car insurance was slowed by computers snagging on information from the South, and ridiculous sub-regulations that made it impossible for my wife to drive my Northern-registered car. Fellow Southerners told me to make sure that my children did not have an accident during a visit north for fear of exorbitant hospital charges. I concluded the article with a despairing cry: “Is it beyond the wit of financial institutions, telephone companies and health boards to start clearing the bureaucratic minefields which continue to litter this now largely peaceful territory?”

Nine years on I thought I would re-visit some of these problematic areas to see if there had been any progress. I was pleasantly surprised that the position re-mobile phones and car insurance seems to have got much better. Not surprisingly, the banking situation remains complicated, with some banks having improved while some – believe it or not – have actually got worse.

International mobile phone charges remain utterly impenetrable to most ordinary customers. However the companies assured me that everything had changed radically across the Irish border. O2 pointed to an announcement on their website dating from 2006 which promised that customers making previously costly ‘roaming’ calls (i.e. calls near the border that inadvertently connect to a network in the other jurisdiction) would not incur such charges in the future. At the same time the company announced an all-island ‘pre-pay’ flat rate for calls and texts. The website said ‘post-paid’ customers had been paying the same rate for cross-border calls as for domestic (i.e. own jurisdiction) calls since 2003.

A young man in the Vodafone head office in Dublin informed me that Vodafone in the Republic and Northern Ireland had reached an agreement that they would charge “the same price for calls between Belfast and Dublin as between Dublin and Waterford.” All I had to do was to ring Vodafone in Northern Ireland and get the “international bar” on my mobile “unbarred.”

[I have to say that I didn’t actually test these statements myself. I took the decision nine years ago to have a Southern mobile phone for my calls from the South and a Northern mobile for my calls from the North, and have stuck with that safe, old-fashioned option ever since. I would be interested in other regular cross-border travellers’ experience of using mobile phones.]

Car insurance couldn’t have been easier. By quoting my Irish driving licence, the make of my Northern car, and the postcode in my Northern address – and assuring her that both my wife and I had ‘no claims’ bonuses in the South – the same Armagh insurance broker I had such difficulty with nine years earlier was able within five minutes to give me a very competitive rate of £269 for a year’s comprehensive insurance covering both me and my wife.

The banks were a different story2. The worst was the Bank of Ireland, which nine years ago was proposing to charge £6 per cross-border transaction (via bank draft), had now raised this to an exorbitant £25 for a ‘telegraphic transfer’. First Trust Bank (a sister bank of AIB) offered the same high-charge same day transfer, or a £14 charge for a Euro draft which I would then have to post myself. Ulster Bank said a cross-border BACS transaction would cost £25, but helpfully added that if I wanted to pay a cheque into a branch in the North, the bank would use its internal mail system to transfer it to an Ulster Bank branch in Dublin on the following day at no extra cost.

Perhaps the most improved banks of all are the two which since 2005 have been part of the Danish Danske Bank Group: Northern Bank and National Irish Bank. If you trust online banking, you can now transfer money electronically between these two banks free of charge, whereas before there would have been a cross-border change of €10 in the South and £12 in the North.

However having a good Scandinavian IT platform doesn’t mean the bad old Irish banking habits of indifference to the ordinary customer have disappeared. Attracted by this new cross-border offer, I went into a large NIB branch in Dublin recently to inquire about opening a savings account with a relatively sizeable amount of money. I have to say that the official behind the counter couldn’t have been less interested.

Andy Pollak

1 I’ve got those cross-border blues March 2000, Irish Times
2 For a comparison of cross-border personal banking charges see Border People

  • picador

    Sounds like a case for Barry McIlduff

  • Glensman

    I also carry two mobile phones, one for each area. Although I just want to point out, wait to you try to get the e-banking for Northern up an running. Been trying to get it for years, for some reason they CANNOT manage to give me the ‘codes’ I need and the calculator. I always get one or the other and you can’t get in without both!

  • Modernist

    I use Norther Bank and National Irish bank. They let you have a bank account for both surrencies and there are no pricey charges. From personal experience I and other members of my family always found BOI’s transfer fees excessively punitive. Ulster bank also have no charges for using a southern atm card in a northern atm

  • Modernist

    Also isnt there some code you put infront of the Northern telephone numbers when ringing from the south so your phonecall is charges at national rate and not international. Also northern landline calls to my southern o2 phone always come up as 00353 and not 0044

  • Rip Off Victim

    3 Mobile are the worst. I bought a Skype phone in The North for £38. The same model was on sale here for €99. The Skype turned out to be blocked if you use a 3 Ireland sim. When I questioned this with customer care I was subjected to a barrage of abuse. I was called a liar. I was told I had acted illegally. I was told the problem could be fixed but not for me. That I did not have a genuine problem. Told by Irish customer Care that it was an English problem. Told by UK customer care It was an Irish problem and told a whole series of blatant untruths as to what the problem was. 3 Ireland definitely regard Ryanair as their model for customer care.

  • Philip

    “and ridiculous sub-regulations that made it impossible for my wife to drive my Northern-registered car”

    well that is what you get for marrying a Canadian

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