Dual British/Irish Nationality

Marchitiello

I have said this before but both Starling  and Wise (old TransferWise) charges for currency exchange. The rates are good but there are charges nevertheless. In contrast, Fineco UK has no charges and even if on the face of it the exchange rate may be 0.01 worst or something like that, it has always worked best for me (did several tests over the last few years, and always ended up with a higher converted value with Fineco).  At launch, Starling did not have currency conversion charges but shortly after they introduce them.

Other considerations are that Wise is not a proper bank, and that Fineco UK Euro account is basically held in Italy under the EU deposit protection regulation, and within the EU SEPA network (so charges to send/receive money across EU country needs to be minimal at best and/or equal to same country transactions. I have sent/received EURO from Fineco UK to accounts in Spain with no additional charges. Starling and other UK bank Euro currency accounts may not be held within the EU SEPA and thus incur in additional charges (now or in the future, the point being that do not need to follow the EU regulation) .

Finally, it should be still possible to held a non resident account in most EU countries as it is in the UK. They may incur in additional charges, and have some Tax caveat, but can be opened and held nevertheless. I do have non resident account in Spain and Italy, and almost opened one in France as well at a point, opened before Brexit but in contrast to UK banks with EU residents, those EU banks have not (yet) changed their attitude to UK residents.

with regards to the OP needs, and future in Spain, please see here: https://www.bancosantander.es/en/faqs/particulares/cuentas/puede-extranjero-no-residente-abrir-cuenta

Katiehound

Yes, you can open a bank a/c in ROI as a UK resident.

 I still have my Ulster ROI a/c which I will close next month (they are pulling out of Eire)  and I opened a Bank of Ireland a/c to replace it last autumn. I just needed proof of identity & residence as my account is registered here: UK driving licence ('though I think they would have preferred passport!) & couple of different bank statements or a utility bilI. I did it in person but guess you could open it on line as that is what the bank staff did- applied online.
 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

Daliah

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

Katiehound

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

My account is free (and in fact always has been) .
I was answering the original OP's question.

 I was just pointing out that now 'under age' banking costs money from AIB, BOI & permanent TSB
 
No thanks, I don't want a Starling a/c. I rather like a 'real 'old fashioned idea of a bank!

Daliah

Katiehound said:

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

 
No thanks, I don't want a Starling a/c. I rather like a 'real 'old fashioned idea of a bank!

Starling is a real bank. One without Branches, but that's the way banks are going.

Marchitiello

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

DD in some EU countries may not be possible  with a UK based Euro account (especially if in need to pay some government agencies /tax office) and/or with a Euro account based in a different country. For example I have recently acquired a property in Italy and had to open a non resident Italian Bank Account because the property tax needs to be paid in a special  bank payment format called F24 that was not available on my Fineco UK account, nor in my Spanish account..

Daliah

Marchitiello said:

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

DD in some EU countries may not be possible  with a UK based Euro account (especially if in need to pay some government agencies /tax office) and/or with a Euro account based in a different country. For example I have recently acquired a property in Italy and had to open a non resident Italian Bank Account because the property tax needs to be paid in a special  bank payment format called F24 that was not available on my Fineco UK account, nor in my Spanish account..

This is known as IBAN discrimination and should not happen. https://www.starlingbank.com/blog/how-to-defend-yourself-against-iban-discrimination/

Marchitiello

Daliah said:

Marchitiello said:

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

DD in some EU countries may not be possible  with a UK based Euro account (especially if in need to pay some government agencies /tax office) and/or with a Euro account based in a different country. For example I have recently acquired a property in Italy and had to open a non resident Italian Bank Account because the property tax needs to be paid in a special  bank payment format called F24 that was not available on my Fineco UK account, nor in my Spanish account..

This is known as IBAN discrimination and should not happen. https://www.starlingbank.com/blog/how-to-defend-yourself-against-iban-discrimination/

You may want to revise your understanding of what Starling is stating (payments in and out, no DD which you mentioned). they are not deecriminating in accepting the IBAN it is your bank (hence starling) that needs to be set up in that country to manage their National DD or government payment.. try to set up a UK direct debit using a IBAN number and not sort code and account number. Also EU ruling to charges applied to SEPA payment may not apply to UK banks going forward (may do now but no guarantee and no protection from the EU Court of justice, was one of the main message of Brexit, that court should not overrule UK laws, and it will work the way around 🙈)

Daliah

Marchitiello said:

Daliah said:

Marchitiello said:

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

DD in some EU countries may not be possible  with a UK based Euro account (especially if in need to pay some government agencies /tax office) and/or with a Euro account based in a different country. For example I have recently acquired a property in Italy and had to open a non resident Italian Bank Account because the property tax needs to be paid in a special  bank payment format called F24 that was not available on my Fineco UK account, nor in my Spanish account..

This is known as IBAN discrimination and should not happen. https://www.starlingbank.com/blog/how-to-defend-yourself-against-iban-discrimination/

You may want to revise your understanding of what Starling is stating (payments in and out, no DD which you mentioned). they are not deecriminating in accepting the IBAN it is your bank (hence starling) that needs to be set up in that country to manage their National DD or government payment.. try to set up a UK direct debit using a IBAN number and not sort code and account number. Also EU ruling to charges applied to SEPA payment may not apply to UK banks going forward (may do now but no guarantee and no protection from the EU Supreme Court, was one of the main message of Brexit, that court should not overrule UK laws, and it will work the way around 🙈)

It all came about because some people were unable to pay their utility bills by DD from Starling any longer. First in Spain, subsequently in one or two other EU countries. 

There is no EU ruling about SEPA not applying to UK. UK is, and remains part of SEPA, despite Brexit.

NB. There is also no EU Supreme Court. I think you might mean the European Court of Justice.

Marchitiello

Daliah said:

Marchitiello said:

Daliah said:

Marchitiello said:

Daliah said:

Katiehound said:

 I need my account as I pay property tax & electricity by DD on my holiday home.

There are standard bank charges- I think it is E6 per month unless you qualify as a 'golden oldie.' There is no such thing thing as free banking otherwise.

You absolutely can get this for free. Use the Starling Bank Euro account. You can make ad-hoc payments as well as SOs and DDs from it, to anywhere within the EU.

I think (not 100% sure) you can do the same with a Fineco Bank account.

DD in some EU countries may not be possible  with a UK based Euro account (especially if in need to pay some government agencies /tax office) and/or with a Euro account based in a different country. For example I have recently acquired a property in Italy and had to open a non resident Italian Bank Account because the property tax needs to be paid in a special  bank payment format called F24 that was not available on my Fineco UK account, nor in my Spanish account..

This is known as IBAN discrimination and should not happen. https://www.starlingbank.com/blog/how-to-defend-yourself-against-iban-discrimination/

You may want to revise your understanding of what Starling is stating (payments in and out, no DD which you mentioned). they are not deecriminating in accepting the IBAN it is your bank (hence starling) that needs to be set up in that country to manage their National DD or government payment.. try to set up a UK direct debit using a IBAN number and not sort code and account number. Also EU ruling to charges applied to SEPA payment may not apply to UK banks going forward (may do now but no guarantee and no protection from the EU Supreme Court, was one of the main message of Brexit, that court should not overrule UK laws, and it will work the way around 🙈)

It all came about because some people were unable to pay their utility bills by DD from Starling any longer. First in Spain, subsequently in one or two other EU countries. 

There is no EU ruling about SEPA not applying to UK. UK is, and remains part of SEPA, despite Brexit.

NB. There is also no EU Supreme Court. I think you might mean the European Court of Justice.

Yes, that is the right court. SEPA is EU regulated and there is no guarantee that the UK will be still part of it long term.


Now, for DD, IBAN discrimination against other EU Member States’ based account clearly does not cover UK based account anymore, so your GB IBAN based Euro currency Starling account is not covered. 

What is more, have you actually tried to raise a dispute? I have, in Spain, few times, and it is a very lengthy process (at some point some payment processor also refused to process debit Card payments if the BIN was not based in Spain ). You need to raise it in you country and they liaise with the offending party relevant office which will issue a notice to comply, and that still will allow them to take time…  

again, you mentioned that starling was good enough to operate as EU account, specifically in response to a poster on needing to pay Property tax in Europe, and that is simply not true, as it has nothing to do with ability to use IBAN numbers and more on how certain country process certain types of internal payments, specifically DD and government payments. The SEPA/ or IBAN payment format is simply not good enough for making certain types of payments, and you need a country based account (not sure if you had to pay HMRC from abroad how simple or not it would be).  Now if Starling would create the functionality to comply with those extra, local, Electronic format of payments for each of those specific countries, then you may start thinking that starling is good enough.