FAQs

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Opening a Current Account

Current Account, from your trusted credit union is a full service account that allows you to access a range of facilities, such as receiving  your salary, paying bills setting up direct debits and standing orders to make regular payments. You can operate your account online and using the mobile app.

With Current Account, from your credit union, you get a dedicated IBAN (International Bank Account Number). You also get a Mastercard Debit Card with Contactless payments which allows you instant access to your money so you can make a payment or withdraw money whenever or wherever you need.

Once you are a member of a participating credit union* and are over 16 years of age, you are eligible to apply for a current account.

* Credit unions all around the country are introducing the current account service for their members. To find a credit union offering Current Account, click here.

If you are registered online with your credit union, you can open a Current Account in your sole name online. Simply click here and we’ll help you to open your Current Account

If you are not registered online or wish to open a joint account, you will both need to drop into your credit union office.

To open your Current Account either online or in your credit union office, you will require one proof of identity and one proof of address.

Acceptable Proof of Identity:

  • Current valid signed passport/passport card
  • National EU Identity Card
  • Driving Licence – Full licence or learners permit

Acceptable Proof of Address*:

  • Bank, building society or credit card statement (paper/e-format)
  • Household utility bill (paper/ e format)
  • Revenue Commissioners current balancing statement or Notification of Determination of Tax Credit/Tax Notification

*Note: These documents must have been issued in the previous six months

A joint account can be opened but not online. Both parties to the account must call into your credit union office with their proof of identity and proof of address to sign the application form.

Once your Current Account is opened you will receive a welcome letter from your credit union detailing your BIC and IBAN. You will need your IBAN to arrange to have your salary, benefits or other payments paid into your account and to set up payment of bills by direct debit etc.

If you are registered for online access your Current Account is immediately available to view and use online or on the mobile app. If you are not already registered for online access, you can register or visit your local Credit Union.

Online Current Account

Credit union members can register online with their credit union on their website or by dropping into their credit union office.

Credit union office – If you are visiting your credit union office, you can register online and open your Current Account at the same time.

Website – If you register online on the website, you will be able to open your Current Account online once you receive your online Personal Identification Number (PIN). This will arrive by post within a few days of registering.

Online users can also download the Mobile App for free.

Yes, once you are registered online you can:

  • View your balance & account transactions
  • Transfer money within your CU or externally (SEPA)
  • Manage Standing Orders & Direct Debits
  • Download eStatements and recent transaction reports

You will also be able to view and make quick account transfers using the Mobile App.

Using Your Current Account

To change your home address, you will need to provide us with proof of your new address by email, online banking via document upload, post or by calling into your credit union office.

Acceptable Proof of Address*:

  • Bank/Credit Card statement (paper/e-format)
  • Household Utility Bill (paper/e-format)
  • Revenue Commissioners current balancing statement or Notification of Determination of Tax Credit/Tax Notification

*Note: These documents must have been issued in the previous six months

You will automatically receive an eStatement for free on your Current Account every quarter, in April, July, October and January. If you have opted to receive quarterly paper statements, a charge of €2.50 will apply.

You also have the option to request a paper statement more frequently for a fee of €2.50 per statement.

Using your Debit Card

For each sole account you open will have one card. For a joint account each account holder can have one card in their own name.

If you accidentally block your PIN at a point of sale terminal, you can simply go to an ATM and unblock your PIN.

If you accidentally block your PIN at an ATM please contact our Current Account Card Services Team on +353 (1) 6933333

Notify your Credit Union or call +353 (1) 6933333
immediately. We will then cancel your card immediately and a new card and PIN will be issued to you at your request.

Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:

  1. Duplicated transaction
  2. Goods not received
  3. Cancelled subscription not actioned
  4. Received goods not as described
  5. Refund not processed after 30 days
  6. Transaction not recognised
  7. Free Trials
  8. Car Rentals


If you have identified a transaction that you are suspicious of on your Debit Card, you must contact your Credit Union or Credit Union Card Services team immediately on
+353 (1) 6933333

A disputed transaction request initiates a ‘chargeback’ which alerts a request to the merchant to reverse the transaction on a Debit Card.

Members must complete and return a ‘Disputed Transaction’ form along with copies of any:

  • Detailed cover letter advising the nature of the dispute
  • Proof of purchase
  • Evidence of the transaction
  • Interactions with the company (emails/letters)

To be returned to their Credit Union to complete a ‘chargeback’ request.

You can order a new card by calling Credit Union Card Services on +353 (1) 6933333 (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher).

We will cancel your existing card and a new card will be issued to you within 7-10 working days.

Yes. You can change your card PIN to something more memorable at most ATM machines. You just need to have your card available, enter your existing card PIN and follow the instructions.

Yes. You can obtain cashback up to €100.00 when making purchases at participating retailers.

You can also withdraw up to a maximum of €700.00 per day at ATMs located through the country and abroad. (Withdrawal limits at ATMs vary).

You can use your card anywhere in the world where the Mastercard Acceptance Mark is displayed. Foreign exchange fees and charges apply where the transaction is performed outside the Eurozone.

Yes. You can shop at participating websites using your card. Mastercard SecureCode is a free service that provides cardholders with additional security and peace of mind when shopping online. During the checkout process when shopping online, you may be asked to register for the Mastercard SecureCode service.

Fees

As you would expect from your credit union, Current Account has simple and transparent pricing. A low monthly fee of €4.00 applies and that covers unlimited Euro point of sale and contactless transactions, unlimited mobile and online banking and unlimited standing orders and direct debit processing and up to five Euro ATM withdrawals per month. Full details of fees and charges are available here.

Yes. Account fees are calculated quarterly for quarters ending 31st March, 30th June, 30th September and 31st December. A fee notification will issue along with your quarterly statement, prior to fees being charged to your account. Fees are charged to members accounts on the 28th of April, July, October and December or where the 28th is not a business day, the next business day.

Full details of all applicable Fees & Charges are available in your CU office and on the website

Personal Overdraft

An overdraft is a short-term way to borrow on your Current Account and can help in months where things get a little tight e.g. if you receive a higher than expected bill and need a bit longer to pay. Once your overdraft is sanctioned, the money is available to you through your Current Account.

Credit union members over 18 years of age can apply for an overdraft. To avail of this facility you will need to have or open a Current Account.

You can apply for an overdraft online or at your credit union office. We will normally request you to provide payslips, bank statements, credit card statements and proof of rent payments (if applicable) for the last three months in support of your overdraft application.

You can apply for an overdraft up to an amount equal to your monthly income, within the range of €200.00 up to €5000.00. Overdrafts are subject to normal lending criteria terms & conditions.

Overdrafts are normally sanctioned for a period of 12 months. If you use your account within the overdraft limit we agree with you, then we may automatically renew it when the term comes to an end.

An overdraft facility fee of €25.00 per annum or per overdraft sanction, whichever is the more frequent, applies.

The interest rate is a flat rate of 12% per annum. Interest is only charged on overdrawn balances. Your credit union does not apply surcharge interest.

Apple Pay – All you need to know

Apple Pay is a secure and easy-to-use mobile payment service that can be used to pay in stores wherever Contactless payments are accepted; just look for the Contactless or Apple Pay symbol.

It enables the use of eligible cards through compatible Apple devices by leveraging existing Near Field Communication (NFC) technology to make mobile payments.

You can also use it to make in-app and E-commerce purchases wherever the Apple Pay logo is displayed.

Product
iPhone
iPhone models with Face ID, iPhone models with Touch ID, except for iPhone 5s
Apple Watch
Apple Watch Series 1 and 2 and later
iPad
iPad Pro, iPad Air, iPad and iPad mini models with Touch ID or Face ID
Mac
Mac models with Touch ID

All compatible devices are automatically NFC enabled.

iPhone
• Open the Apple Wallet app on your device
• Tap the plus sign at the top of the screen
• Have your card ready and follow the step by step instructions

Apple Watch
Cards must be added from the Watch app on the paired iPhone. If more than one Apple Watch is paired to an iPhone, cards must be added to each Apple Watch separately.

1. Tap the Watch icon to open the app on iPhone
2. Scroll to ‘Wallet & Apple Pay’
3. Tap ‘Add credit or debit card’
4. Complete the verification steps

As a security measure, we send a one-time passcode which can be received by text or email. You will verify your identity by entering this code in the appropriate field.

Yes, you can return to the Wallet to complete your set up by following the below steps:
1. Open the Wallet App
2. Tap your card
3. Complete your verification method

Yes, you can register multiple Debit or Credit Cards. Simply chose which card you would like to pay with at the point of purchase.

If you have replaced your card as lost/stolen you don’t need to take any action if you have already added the previous card to the wallet. Your replacement card will be automatically added to the wallet.

Pay with iPhone with Touch ID

Hold the Touch ID and hold your iPhone near contactless reader until you see ‘Done’ and a checkmark.

Pay with iPhone with Face ID

  1. Double-click the side button, glance at iPhone to authenticate with Face ID or enter your passcode.
  2. Hold the top of iPhone near contactless reader until you see ‘Done’ and a checkmark.

Pay with Apple Watch

  1. Double-click the side button and hold the display of your Apple Watch near the contactless reader.
  2. Wait until you feel tap.

Pay within apps

With your iPhone, iPad, and Apple Watch, you can use Apple Pay to pay within apps when you see the Apple Pay button.

  1. Tap the ‘Buy with Apple Pay’ or ‘Apple Pay’ button or choose ‘Apple Pay’ as your payment method.
  2. Follow the on-screen instructions.
  3. Confirm the payment. When your payment is successful, you’ll see ‘Done’ and a checkmark on the screen.

– iPhone Face ID: Double-click the side button, then use Face ID or your passcode.

– iPhone Touch ID or iPad: Use Touch ID or your passcode.

– Apple Watch: Double-click the side button.

You can use Apple Pay in-stores, on the web using Safari and in apps. Just look out for one of these symbols:

The card image may not be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

You will receive an immediate notification after each transaction made using Apple Pay. When you open the card in the Wallet, you will only see the latest transaction made. When you navigate to the transaction tab (tap on your card in the Wallet to display) you will see your last ten transactions. Transaction history is not available on the Apple Watch.

With your Credit Union Current Account, there are no account transaction fees when you use Apple Pay to make purchases.

Yes. When you shop at a merchant, Apple Pay doesn’t send your actual debit card number with your payment. Instead, a virtual account number is used to represent your account information – so your card details stay safe. You also need to authorise every transaction by Touch ID, Face ID or your passcode.

Unlike contactless, you can make payments in excess of €50 once you have an available balance. However, not every merchant can support transactions of this value. You will not be asked to input your pin for Apple Pay payments.

If your Debit Card is lost/stolen, please contact your Credit Union or Credit Union Card Services immediately on +353 (1) 6933333, available 24/7. Your debit card will be cancelled immediately and a new debit card and PIN will be issued to you at your request.

Once reported as lost or stolen, your card details will be automatically updated and you can continue to use Apple Pay on your device whilst your new card is sent to you.

If your device is lost/stolen, please contact us immediately on +353 (1) 6933333, available 24/7 and we can block your card on Apple Pay.

We recommend that you also register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen. Once you do this, you will no longer to use Apple Pay for payments but your Debit Card will still work as normal.

From Wallet

  • Go to pass details
  • Tap ‘Info’ tab
  • Tap ‘Remove Card’

From Settings

  • Open Settings
  • Tap ‘Wallet & Apple Pay’
  • Tap card to be removed
  • Tap ‘Remove This Card’

From ‘Find my iPhone’ through iCloud

  • Go to ‘Find my iPhone’
  • Select the device under ‘My Devices’
  • Select ‘Remove This Card’ on the card that you wish to remove

From iCloud

  • Open Settings
  • Select ‘My Devices’
  • Select the device under ‘My Devices’
  • Select ‘Remove This Card’ on the card that you wish to remove

You can visit icloud.com/settings to remove your card or go to ‘Find My iPhone’ to temporarily suspend or permanently remove the ability to pay with your cards on your device. You can also call us on +353 (1) 6933333, to request that we suspend or remove your cards from Apple Pay.

Please note – if you have requested that our Credit Union Card Customer Service Team suspend your card, you will not be able to release the suspension without calling us.

The first card you add to Apple Pay becomes your default payment card and will remain so unless you change it by following the below steps:

  • Open Settings
  • Tap ‘Wallet & Apple Pay’
  • Default Card
  • Select Card

You can choose which card to use when you’re about to pay – just open the Wallet app first and select the card you want to use.

On your Apple Watch, double click the side button, swipe left or right to select a card and present the watch to the contactless reader.

For in-app purchases, select the Apple Pay logo, then ‘Cards and billing’ to choose a card.

You can add Twelve (12) cards on iPhone X, iPhone 8, iPhone 8 Plus, and Apple Watch Series 3.

On any other devices you can add up to eight (8).”

Apple Pay refunds work the same way as physical card refunds. That is, you should consult with the retailer directly to refund a transaction.

If you replace or update your device, you will need to add your card(s) to Apple Pay again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily provide your device to someone else; for example if you need it repaired.

You can remove a card from Apple Pay at any time. Tap on the credit card you’d like to delete. Tap on ‘Remove This Card’ — you’ll need to scroll down to the bottom.

Does unpairing an Apple Watch from iPhone remove the card on Apple Watch

When Apple Watch is unpaired, all cards on Apple Watch will be removed.

Apple Pay enables Contactless transactions on your Apple device instead of your physical card.

While Contactless payments on your physical debit card are subject to a €50 threshold per transaction, Apple Pay will allow transactions over €50*, provided the available balance or credit limit exists. You also need to authorise every transaction by Touch ID or your passcode.

* Apple Pay transactions above €50 may not be supported on some merchant terminals.

  • Never leave your device unattended.
  • Use appropriate security controls on your device such as passcode, thumbprint or face recognition.
  • Change your device passcode immediately if you suspect anyone else knows it.
  • Please be aware of unsolicited messages or push notifications asking you to reveal any personal or financial information, to allow access to your devices or to install software.
  • Contact your Credit Union or Credit Union Card Services on +353 (1) 6933333, available 24/7 as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.
  • Register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen.

Make sure your contact details are up to date with your Credit Union in the event we need to contact you urgently.

Fitbit Pay – All you need to know

Fitbit Pay is a secure and easy-to-use payment service available via most wearable Fitbit devices that can be used to pay in stores wherever Contactless payments are accepted; just look for the Contactless symbol In-store.

  • Fitbit Ionic
  • Fitbit Versa
  • Fitbit Charge 3 (Only available on special editions)

Set Up
Using the Fitbit App on iOS, Android or Windows, complete the following steps to add your debit card to Fitbit Pay:

  1. Open the Fitbit Pay app on your iPhone, Android or Windows phone to enter your card information in the Fitbit Pay ‘Wallet’. Locate this wallet by tapping your picture in the top left corner of the screen which will bring you to the ‘Account’ section.
  2. Select the Fitbit device you want to add your debit card to and then select the ‘Wallet’ icon.
  3. Open the ‘Wallet’. Fitbit security will require you to enter your PIN/fingerprint in order to access the ‘Wallet’. You can then add a card by selecting the ‘+’ symbol in the top right hand corner of the screen. Do this by entering card number, expiry date and CVC, press NEXT and then follow the on-screen instructions.
  4. Read and confirm if you are happy to accept the Digital Wallet Terms and Conditions.
  5. Complete the verification steps as directed. Once this is complete the card appears in your Wallet.
  6. Sync and Complete. The app syncs to your Fitbit device and the card is now displayed on-screen on your wrist and ready to use.

Enter your 4 digit pin on your Fitbit device once in the morning and it stays for 24 hours or until you remove the Fitbit Device from your wrist.

For all transaction values*, press and hold the button on the left side of your Fitbit device until your card appears onscreen. Now move your Fitbit device close to the contactless terminal until you see a checkmark. Your device should vibrate to confirm the transactions has been made.

*Fitbit Pay transactions above €50 may not be supported by some merchant terminals.

You can use Fitbit Pay wherever Contactless payments are accepted; just look for the Contactless or Fitbit Pay symbol.

You will receive an immediate notification after each transaction made using Fitbit Pay when connected to mobile data or Wi-Fi. When you open the card in the Wallet, you will only see the latest transaction made. When you navigate to the transaction tab (tap on your card in the Wallet to display) you will see your last three transactions. Transaction history is not available to view on Fitbit devices.

With your Credit Union Current Account, there are no extra account transaction fees when you use Fitbit Pay to make purchases.

Yes. When you shop at a merchant, Fitbit Pay doesn’t send your actual credit or debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe. The Pin needs to be entered every 24 hours when on your wrist. The Pin is required again if device leaves your wrist.

If your Fitbit watch is lost/stolen, please contact Credit Union Card Services immediately on +353 (1) 6933333,  24/7. There is also an option to suspend or remove your debit card from Fitbit Pay using the Fitbit app on your mobile device.

Notify your Credit Union or call Credit Union Card Services immediately on +353 (1) 6933333, 24/7. We will then cancel your debit card immediately and a new debit card and PIN will be issued to you at your request.

You will not be able to use Fitbit Pay with a cancelled debit card. When we issue you a new debit card, it will need to be registered with Fitbit Pay again.

Yes, you can temporarily suspend your debit card via the Fitbit app or by contacting Credit Union Card Services on +353 (1) 6933333, 24/7.

When the Fitbit device has been recovered, you can unsuspend the debit card just as easily via the Fitbit app or by contacting Credit Union Card Services +353 (1) 6933333, 24/7.

The first card you add to Fitbit Pay becomes your default payment card and will remain so unless you change it.

Using your Fitbit watch: Use the single button hold for 1 second and when your default card appears, swipe up or down to choose another card. You need to use the Fitbit app to change your default card. Hold your watch near the reader to pay.

You can add up to six compatible cards on any device.

If you replace or update your device, you will need to add your card(s) to Fitbit Pay again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily provide your device to someone else; for example, if you need it repaired.

You can remove a card from Fitbit Pay at any time. Using the Fitbit app, select ‘Wallet’, complete authentication and tap on the card you would like to delete.

Scroll to the bottom of the screen and tap ‘Remove Card’

  • Never leave your device unattended.
  • Use appropriate security settings on your device such as Touch ID, Face recognition & passcode.
  • Change your device passcode immediately if you suspect anyone else knows it.
  • Please be aware of unsolicited messages asking you to reveal any personal or financial information, to allow access to your devices or to install software.
  • Contact your Credit Union or Credit Union Card Services on +353 (1) 6933333, 24/7 as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen or if you think your details have been compromised.
  • Make sure your contact details are up to date with your Credit Union in the event we need to contact you urgently.

Google Pay – All you need to know

Google Pay is a secure and easy-to-use mobile payment service that allows you to use your Android phone to make contactless payments wherever you see the contactless payment or Google Pay symbols.

Download Google Pay from the Google Play App Store on your mobile device.

  • Download the Google Pay app from the Google Play Store.
  • Open Google Pay and tap the + sign.
  • You’ll be prompted to set up a device lock, if you don’t already have one.
  • Add your debit card information by following the instructions on screen.

You can pay with your Android phone wherever you see the contactless or Google Pay symbols.

Yes. When you shop at a merchant, Google Pay doesn’t send your actual debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe.

With your Credit Union Current Account, there are no extra account transaction fees when you use Google Pay to make purchases.

With Google Pay you are not restricted to the current contactless payment limit of €50.00. However, transactions over €50 may not be supported by some merchant terminals.

If your phone is lost/stolen, please contact your Credit Union or Credit Union Card Services immediately on +353 (1) 6933333, available 24/7 and we can immediately block your card on Google Pay.

It is a good idea to register for and use Android Device Manager. This will allow you to find, lock and delete details on your phone if it is lost or stolen. You can enter ‘Find my device’ on Google.com to locate your device.

If your Debit Card is lost/stolen, please contact your Credit Union or Credit Union Card Services immediately on +353 (1) 6933333, available 24/7. Your debit card will be cancelled immediately and a new debit card and PIN will be issued to you at your request.

You will not be able to use Google Pay with a debit card that has been cancelled. When we issue you with a new card, it will need to be registered with Google Pay again.

Yes. You can add as many cards as you want to Google Pay.

The first card you add to Google Pay becomes your default payment card and will remain so unless you change it.

To change your default card, or to make a payment using another card, simply select the preferred card within the Google Pay app settings and tap ‘Set as default card’.

  • Never leave your device unattended.
  • Use appropriate security controls on your device such as passcode, thumbprint or face recognition.
  • Change your device passcode immediately if you suspect anyone else knows it.
  • Please be aware of unsolicited messages or push notifications asking you to reveal any personal or financial information, to allow access to your devices or to install software.
  • Contact your Credit Union of Credit Union Card Services on +353 (1) 6933333, available 24/7 as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.
  • Make sure your contact details are up to date with your Credit Union in the event we need to contact you urgently.