Ryanair - 8
Join Date: Sep 2004
Location: Coventry
Age: 48
Posts: 1,946
Likes: 0
Received 0 Likes
on
0 Posts
Quote:
Ryanair pulling out of numerous routes - STN to NQY&BLK and also recently PIK.
NQY and BLK were all dropped as they introduced Airport Fee.
Yes, good points. MOL hates those charges because they go direct to the airport. He loves collecting APD and PSC's from pax who never show up as that goes straight in his back pocket!
Ryanair pulling out of numerous routes - STN to NQY&BLK and also recently PIK.
NQY and BLK were all dropped as they introduced Airport Fee.
Join Date: Mar 2008
Location: Newcastle NI
Posts: 824
Likes: 0
Received 0 Likes
on
0 Posts
MM & Racedo
What happens in Spain is their business what happens to UK citizens or people living and making purchases fall under the spell of the OFT
You pair probably need it spelling out
office of fair trading
Their remit is simple to make doing business fair and transparent for the consumer
What in the name of God is transparent about FR way of doing business? and other Airlines who blindly follow them, in time maybe 6 months or a year the Government will crack down on misleading pricing, simply saying you have a choice, you don't have to fly with Ryanair is not a defence.
The vast majority of people are fed up to the teeth with these add ons that they have to buy, it is actually damaging the Airline industry
The real shame here is that FR have so much going for them in terms of route net work, reliability, safety, modern aircraft.
What's missing is trust
What happens in Spain is their business what happens to UK citizens or people living and making purchases fall under the spell of the OFT
You pair probably need it spelling out
office of fair trading
Their remit is simple to make doing business fair and transparent for the consumer
What in the name of God is transparent about FR way of doing business? and other Airlines who blindly follow them, in time maybe 6 months or a year the Government will crack down on misleading pricing, simply saying you have a choice, you don't have to fly with Ryanair is not a defence.
The vast majority of people are fed up to the teeth with these add ons that they have to buy, it is actually damaging the Airline industry
The real shame here is that FR have so much going for them in terms of route net work, reliability, safety, modern aircraft.
What's missing is trust
In the UK at least, current accounts and many credit cards are still 'free' to use.
They charge you in a different way but the idea that the bank is a benevolent business that looks after your money is laughable.
What happens in Spain is their business what happens to UK citizens or people living and making purchases fall under the spell of the OFT
You pair probably need it spelling out
office of fair trading
You pair probably need it spelling out
office of fair trading
Join Date: Sep 2004
Location: Coventry
Age: 48
Posts: 1,946
Likes: 0
Received 0 Likes
on
0 Posts
Sorry but that is wrong as there is a charge associated with them that the bank gets and its the interest on any balances that you hold in your current account.
Like I said, the banks are 'free' to use, ie there is no direct charging for the banking service rendered. We're talking current accounts here - so if you keep savings in a current account, it isn't that the bank is imposing a charge, it is you that is missing out on the opportunity to get a better rate for it.The imposition by banks of minimum balances more than outweighs any charges they could impose.
Imposed by who? Certainly not by Co-op and most other banks afaik. Minimum deposits required by some banks which offer some incentives, but that usually means paying salary or other income in each month, not same thing as keeping minimum balance.That also includes the 5 working days that any cheque takes to get into your account.
Totally irrelevant as cheques are being phased out. ATMs are also free to use UK wide, no fee for using debit cards in shops or for cashback (this is chargeable in US etc).They charge you in a different way but the idea that the bank is a benevolent business that looks after your money is laughable.
I never said they were benevolent, I think many of them are parasites. I was just pointing out that their business model is different from Ryanair's and that the services which they say are free of charges ARE free of charges or hidden extras.The fact that banks make huge margins on loans, beefed up with PPI, or that they move savers towards riskier investment products withouit providing full explanations of what they are doing goes is well known.
I am no friend of the banks, nor am I a Ryanair hater by any means - but the specific point here is that Ryanair include hidden charges which CAN'T be avoided. That is beyond dispute.
Totally irrelevant as cheques are being phased out. ATMs are also free to use UK wide, no fee for using debit cards in shops or for cashback (this is chargeable in US etc).
As for ATM's being Free ?
Funny Link who manage lots of them show that total ATMs in UK is approx 63,000 of which Free to use are 40,000.
I never said they were benevolent, I think many of them are parasites. I was just pointing out that their business model is different from Ryanair's and that the services which they say are free of charges ARE free of charges or hidden extras.
The fact that banks make huge margins on loans, beefed up with PPI, or that they move savers towards riskier investment products withouit providing full explanations of what they are doing goes is well known.
I am no friend of the banks, nor am I a Ryanair hater by any means - but the specific point here is that Ryanair include hidden charges which CAN'T be avoided. That is beyond dispute.
The fact that banks make huge margins on loans, beefed up with PPI, or that they move savers towards riskier investment products withouit providing full explanations of what they are doing goes is well known.
I am no friend of the banks, nor am I a Ryanair hater by any means - but the specific point here is that Ryanair include hidden charges which CAN'T be avoided. That is beyond dispute.
Ryanair states its charges before you buy and it is impossible to buy without seeing the charges so how can they be HIDDEN ?
Join Date: Sep 2004
Location: Coventry
Age: 48
Posts: 1,946
Likes: 0
Received 0 Likes
on
0 Posts
Racedo,
We're talking current accounts and making payments here - so yes, the cheque guarantee card goes tomorrow. Number of British people still paying in salaries or other major income by cheque? And even if there is a 5 day wait without interest, I refer you to point above - interest not gained is not a fee imposed.
ATMs operated by the major banks are indeed free to use across the UK (even in Gibraltar) - this is not the case in many other countries. Those that do charge clearly display so.
Ryanair's charges are hidden from the headline price. Most of them can be avoided - eg by not taking luggage, opting out of their insurance etc.
However, there is no way of avoiding the card handling fee, except by using the prepaid mastercard, which as we have discussed is not free.
Additionally, I have tried a few different destinations & dates, and it seems like the online check in fee and the 'EU261' fee are also unavoidable.
I should of course give Ryanair credit where it is due - I have taken flights with them where they cover the APD and the PSC, and in these cases no online check in fee either - full credit when they do this.
But it still doesn't avoid the fact that they are adding fees which are not for additional services rendered.
We're talking current accounts and making payments here - so yes, the cheque guarantee card goes tomorrow. Number of British people still paying in salaries or other major income by cheque? And even if there is a 5 day wait without interest, I refer you to point above - interest not gained is not a fee imposed.
ATMs operated by the major banks are indeed free to use across the UK (even in Gibraltar) - this is not the case in many other countries. Those that do charge clearly display so.
Ryanair's charges are hidden from the headline price. Most of them can be avoided - eg by not taking luggage, opting out of their insurance etc.
However, there is no way of avoiding the card handling fee, except by using the prepaid mastercard, which as we have discussed is not free.
Additionally, I have tried a few different destinations & dates, and it seems like the online check in fee and the 'EU261' fee are also unavoidable.
I should of course give Ryanair credit where it is due - I have taken flights with them where they cover the APD and the PSC, and in these cases no online check in fee either - full credit when they do this.
But it still doesn't avoid the fact that they are adding fees which are not for additional services rendered.
Join Date: Oct 2007
Location: England
Age: 59
Posts: 516
Likes: 0
Received 0 Likes
on
0 Posts
It is true that the small minority of Ryanair bashers on here are
not blessed with the best of brains.
jabird :
If you have an overdraft facility to your current account - you
are charged a monthly fee - whether or not you use it.
If you find it cheaper elsewhere - book it !
Facelookbothered
How many european mainland posters actually join in this debate ?
It seems that the English dominate this forum - to me.As this is
a pan-european airline Im surprized that the EU is not involved -
with evidence from WHICH.
MM
not blessed with the best of brains.
jabird :
If you have an overdraft facility to your current account - you
are charged a monthly fee - whether or not you use it.
If you find it cheaper elsewhere - book it !
Facelookbothered
How many european mainland posters actually join in this debate ?
It seems that the English dominate this forum - to me.As this is
a pan-european airline Im surprized that the EU is not involved -
with evidence from WHICH.
MM
Join Date: Sep 2004
Location: Coventry
Age: 48
Posts: 1,946
Likes: 0
Received 0 Likes
on
0 Posts
MM,
jabird :
If you have an overdraft facility to your current account - you
are charged a monthly fee - whether or not you use it.And if you don't have an overdraft, you aren't charged. Either way, you aren't charged for the usage of a payment card. If booking a flight causes you to go overdrawn, that is consequential. End of.
If you find it cheaper elsewhere - book it !I will weigh up the total prices of each journey and make the appropriate choice - quite often taking advantage of a Ryanair offer in one direction and then coming back home with someone else.
If being critical of one or more aspects of Ryanair's service makes one a Ryanair basher, then I will hold my hand up high.
If Ryanair are only supposed to carry 100% satisfied, complicit passengers, then I think it is time Mickeyman took over MOL's job.
Either way, I'm sure he's quaking in his boots!
jabird :
If you have an overdraft facility to your current account - you
are charged a monthly fee - whether or not you use it.
If you find it cheaper elsewhere - book it !
If being critical of one or more aspects of Ryanair's service makes one a Ryanair basher, then I will hold my hand up high.
If Ryanair are only supposed to carry 100% satisfied, complicit passengers, then I think it is time Mickeyman took over MOL's job.
Either way, I'm sure he's quaking in his boots!
Join Date: Sep 2007
Location: Brussels
Posts: 145
Likes: 0
Received 0 Likes
on
0 Posts
there is no way of avoiding the card handling fee, except by using the prepaid mastercard, which as we have discussed is not free.
No bank card is free : the banks don't give away the Visa card or their own bank card - there is an annual fee to be paid for their use (at least here in Belgium).
A virtual Mastercard Prepaid can be found on the net, which costs next to nothing : I have one which costs only 1 euro each time I send money to deposit on it. It saves me 5 euros at each FR flight booking, some 200 euros per year ...
No bank card is free : the banks don't give away the Visa card or their own bank card - there is an annual fee to be paid for their use (at least here in Belgium).
A virtual Mastercard Prepaid can be found on the net, which costs next to nothing : I have one which costs only 1 euro each time I send money to deposit on it. It saves me 5 euros at each FR flight booking, some 200 euros per year ...
Join Date: Sep 2004
Location: Coventry
Age: 48
Posts: 1,946
Likes: 0
Received 0 Likes
on
0 Posts
Coquelet,
No bank card is free
Yes they are - like them or loathe them, (most) British banks do not charge for the basic service of providing a current account, nor do many charge for using a credit card, if the balance is paid in full each month.
Caxtonfx do a Euro Card and a Global Traveller (£) with no charges. I preload with sufficient funds to pay for my Ryanair flight ex LTN (£) and also TFS (€)
Join Date: Sep 2004
Location: Coventry
Age: 48
Posts: 1,946
Likes: 0
Received 0 Likes
on
0 Posts
ericlday,
Website says £1.50 pos fee per transaction. Now I assume a website still classed as a point of sale? But I also assume Ryanair only debit the card once, so a better deal than using a debit card and paying per person, per sector.
As with most cards, usage in other currencies attracts a 2.5% fee + interbank mark up. Nationwide good for not chargine the handling fee in Euroland & iirc 1% in other countries.
Website says £1.50 pos fee per transaction. Now I assume a website still classed as a point of sale? But I also assume Ryanair only debit the card once, so a better deal than using a debit card and paying per person, per sector.
As with most cards, usage in other currencies attracts a 2.5% fee + interbank mark up. Nationwide good for not chargine the handling fee in Euroland & iirc 1% in other countries.
jabird
The flight in £'s I pay from Global Traveller Card which is topped up from any £'s bank account...no fees from card company and none from Ryanair because its a prepaid Mastercard.
The return leg which I book whilst in Tenerife is in €'s and gets paid from my Eurocard.......topped up from £'s bank account so no fees from bank but Caxton exchange rate not the best. Ryanair make no charge because its a prepaid Mastercard.
I keep very little in these accounts and just top up by sufficient amount to pay for flights.
The flight in £'s I pay from Global Traveller Card which is topped up from any £'s bank account...no fees from card company and none from Ryanair because its a prepaid Mastercard.
The return leg which I book whilst in Tenerife is in €'s and gets paid from my Eurocard.......topped up from £'s bank account so no fees from bank but Caxton exchange rate not the best. Ryanair make no charge because its a prepaid Mastercard.
I keep very little in these accounts and just top up by sufficient amount to pay for flights.
Join Date: Aug 2007
Location: London
Posts: 53
Likes: 0
Received 0 Likes
on
0 Posts
Caxton
As usual there are T&C's with the card:
You will pay £1.50 for a Ryanair Booking
ANother one of them is that your Airport Boots £3.79 Meal Deal is going to cost you £3.79 + £1.50 if you pay for with your Caxton Global Traveller.
Check out the Fees + Charges secttion of the Caxton website
Domestic (UK) Point Of Sale Transaction
£1.50 per transaction
You will pay £1.50 for a Ryanair Booking
ANother one of them is that your Airport Boots £3.79 Meal Deal is going to cost you £3.79 + £1.50 if you pay for with your Caxton Global Traveller.
Check out the Fees + Charges secttion of the Caxton website
Domestic (UK) Point Of Sale Transaction
£1.50 per transaction
Join Date: Oct 2008
Location: LPA
Age: 59
Posts: 123
Likes: 0
Received 0 Likes
on
0 Posts
FairFX
I have a Caxton card, but I have found that the FairFX card described here generally works out cheaper for sterling transactions up to £150 and offers a better rate when used for non-sterling transactions.
If booking a flight in Euro on Ryanair's web site with a UK issued Pre-paid MasterCard be careful to switch off Ryanair's own currency conversion in the payment screen otherwise you end up paying the card's sterling handling fee and get a lousy exchange rate.
If booking a flight in Euro on Ryanair's web site with a UK issued Pre-paid MasterCard be careful to switch off Ryanair's own currency conversion in the payment screen otherwise you end up paying the card's sterling handling fee and get a lousy exchange rate.