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@robert1849 Yeah it's scary when you first see that. The Irish Revenue prefer us to think they know everything by revealing as little as possible to us about what they know. Very different to the continent, where financial info is much more public e.g. those Nordic countries where everybody's...

@robert1849 If the source bank is on the "good" register, then yes if the name of the sending account is the same as the destination account, usually that raises no red flags if the value is below €10k. In the past when transferring €30k between accounts both in my name, I've had the...

@hephzibah7 Trade Republic only pay 4% on the first 50k. Raisin lets you sink 100k per partner bank, each with a 100k deposit guarantee. That probably doesn't matter to most people, but I thought it worth mentioning.

@wmnoffaith1 The EU requires proof of traceability of funds for all payments 1000 euro or above. Or if 1000 euro lands in your account within a day. Most banks use automated systems which auto flag accounts and then have a human review manually. That's fine if you have enough staff for the...

@candleleigh N26 support take a week to respond to every communication which can't be answered immediately. This makes them frustrating to deal with. I've never been locked out. I have been asked to explain the source of large transfers within seven days or they would lock my account. They send...

@duke7779 Run out the numbers: If you went it alone and contributed enough pension in a year, you probably could get AMC down to 0.5%. If your pension grows at 6% p/a over its lifetime, 6 - 1.5 = 4.5% growth vs 5.5% growth, which is 18% less. Does their +10% beat the loss of 18% of growth...

@spiritualseeker1989 No it was literally someone working from home out in the country somewhere. Not somewhere big like Davy. If you're happy to contribute over 50k, why not try getting a 0.5% AMC from my pension broker https://bjrfinancial.ie/. He likes email does Barry John, very rare he...

@spiritualseeker1989 Somebody here in /r/irishpersonalfinance once posted a link to a broker who charges 0.5% AMC to manage a Zurich pension if the contribution was over 10k. They publicly listed their fees on their website, and they were an online only business (basically a person working from...

@spiritualseeker1989 There is no way to avoid the AMC in ireland. I investigated that in depth. The provider wants its AMC, but also some AMC needs to be kicked back to the broker for doing the front line customer service ie dealing with people, which is expensive and hassle. The broker can...

@spiritualseeker1989 My limited company has an Executive Pension for me with Zurich, and its AMC is 0.5%. The trick to get the AMC that low is to NOT contribute to the pension every year, but rather do a much larger contribution every second or third year and use the large contribution amount...