{"id":20643,"date":"2024-05-02T15:39:24","date_gmt":"2024-05-02T14:39:24","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?p=20643"},"modified":"2024-05-15T14:40:55","modified_gmt":"2024-05-15T13:40:55","slug":"changing-your-current-account-could-make-cents","status":"publish","type":"post","link":"https:\/\/ccpc.inventise.ie\/consumers\/2024\/05\/02\/changing-your-current-account-could-make-cents\/","title":{"rendered":"Changing your current account could make \u2018cents\u2019!"},"content":{"rendered":"<p>Traditionally, we Irish like to stick with what we know when it comes to bank accounts, but we also tend not to switch! Switching current account can save you money and give you access to new features. If tempted to switch, do you know where to start? Here\u2019s our whistle-stop tour to getting you on the right track!<\/p>\n<h2>Use the switching code or DIY<\/h2>\n<p>There are two ways you can switch your current account:<\/p>\n<ul>\n<li>You can do it yourself and directly deal with your new provider. You will have to set up your payments coming into your account as well as those coming out.<\/li>\n<li>Use the Central Bank of Ireland\u2019s switching code. This is where providers can move some of your regular payments for you and help make the process easier.<\/li>\n<\/ul>\n<p>See a full guide on our <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/banking\/\">Banking Hub<\/a>.<\/p>\n<div class=\"toptip\">\n<h3>Top Tip<\/h3>\n<p>When switching, do not forget to let your employer, social welfare or whoever else puts money into your account know. Give them your new account details.<\/p>\n<\/div>\n<h2>Do your research!<\/h2>\n<p>You should visit each provider\u2019s website to get more information on the types of current accounts available. You\u2019ll get contact details there too so you can ask them directly any questions you have.<\/p>\n<p>Banks vary in their range of online facilities. Similarly, some banks are online only and have no physical branches. Ask yourself what you want to be able to do with your online account and see do they cater for this.<\/p>\n<h2>Compare the charges<\/h2>\n<p>Be sure to shop the market. Some banks charge higher fees per quarter for maintaining your account while others charge lower maintenance fees but higher day to day fees. If you use cash regularly for example, ATM fees will be a key consideration for you. You can compare the costs and benefits of the various providers using our <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money-tools\/current-account-comparison\/\">current account Money Tool<\/a>.<\/p>\n<h3>Overdraft approval<\/h3>\n<p>If you currently have an overdraft or think you may need one soon, factor this into your choice of new account. Not all banks offer overdrafts. If you already have one and are switching, make sure you discuss this with your new bank.<\/p>\n<p>You will need to make an application to them. If you\u2019re unable to transfer it, you may end up having to clear your balance before you can switch over to any new bank account.<\/p>\n<p>Get more information on <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/banking\/switching-accounts\/\">switching your current account<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Traditionally, we Irish like to stick with what we know when it comes to bank accounts, but we also tend not to switch! Switching current account can save you money and give you access to new features. If tempted to &hellip;<\/p>\n","protected":false},"author":240,"featured_media":20647,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[184,1],"tags":[],"class_list":["post-20643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Changing your current account could make \u2018cents\u2019! - CCPC Consumers<\/title>\n<meta name=\"description\" content=\"This news story focuses on the hidden costs of your current account. 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