MAKE ME RICHER!
AIB and Bank of Ireland are hoping you've a nice holiday away planned for next month... so you don't notice the raft of new current account fees they've got lined up for August. Our two nationalised banks will be replacing their fees with a set of shiny new ones which will see the cost of just about everything rise – from writing a cheque, to visiting a branch, even using an ATM go up. BoI customers can expect current account fees to double to around €92 per year and AIB customers can expect fees to go up by €20 to €110.
Permanent TSB, on the other hand, has just made their current account free if you can lodge €1,500 per month. It'll cost you €48* per year if you can't.
Best: Permanent TSB Current Account €0*
Avoid: AIB Personal Bank Account €110 per year
contact: www.permanenttsb.ie 1890 500 121
PREPAY MONEY CARDS
It used to be that whenever you passed a bank someone in pointy shoes would fire zero per cent interest rate credit cards at you. Now just wanting a credit card seems to be grounds enough for the bank to stamp 'DENIED' on your application. But fear not, there is an alternative. The Prepay Money Card has filled the gap where the credit card used roam. And they can be much more sensible too. No more holiday spending binges with someone else's money. That's because the prepay card is loaded with your money only, and you can only max the thing out with as much of your own money as you pop onto the thing. Great for budgeting, handy for holiday spending and even better for online shopping.
Most prepay card issuers make money when you top up, so you want to keep those fees down. We've looked at what five top ups of €100 from your current account will cost you.
Best: Netteller Prepaid MasterCard €0
Avoid: O2 Money Prepay Visa Card €18.49
We're just not designed for long periods of sunshine. We don't tan at all well. Still though, many will throw caution to the wind and head off to find even more sun next month. And that's where a good family sized lash of 30 block comes in very handy – unless you like that lobster look. It can be pricey enough – about €20 a bottle for 200mls. Tesco has the stuff on sale for half price right now, but it's still cheaper at buyersclub.ie.
Best: buyersclub.ie Nivea Sun SPF30 Invisible X 2 – €15
Avoid: Tesco.ie Nivea Sun SPF30 Invisible X 2 – €19.98
contact: BuyersClub.ie 01 887 0247
The world is coming down with stuff. There's too much of it everywhere. And until Michael O'Leary came along, we used to haul most of it with us on our holidays every year. Now that the expandable Samsonites are in the attic, we have to weigh our little carry-ons with the bathroom scales. But just in case you decide to bring along your Marc Jacobs jeans in your Louis Vuitton carry-on, you might consider travel insurance.
Best: Mulititrip.com Essential Cover – €26.95
Avoid: VHI MultiTrip Travel Insurance – €49
contact: www.multitrip.com/ie 0818 44 44 44
David Cameron reckons that our smartphones are being knocked off faster than we can tweet on #RoyalBaby's name. The UK epidemic is so bad that he wants manufacturers to make smartphones less nickable. And with hordes of us going over there at this time of year, we're probably better off getting some gadget insurance than waiting for Apple to invent an app that'll get your iPhone back.
Best: gadgetinsurance.com iPhone 5 cover – € 63.69 per year
Avoid: protectyourbubble.com iphone 5 cover – €95.88
contact: www.gadgetinsurance.com or 0818 286 456
Simon Moynihan is co-founder and communications director at price comparison/switching service bonkers.ie