Introducing current account from your credit union
With instant access to your money through a Mastercard® Debit Card, a secure app and online portal and mobile functionality, you can pay your bills, withdraw cash and pay at point of sale; anywhere in the world.
You can now manage your daily finances no matter where you are in the world. With access to your funds in-branch, online or on the web app, Current Account from your credit union gives you all the benefits you expect, but with the personal touch of your trusted credit union.
Features & Benefits
Easy to sign up
Same friendly service
Globally accepted Mastercard® Debit Card
Use in-store, online or at ATMs
Cashback available at participating retailers
No surcharge interest on overdrafts
Automate regular payments using Standing Orders & Direct Debits
Stay in control with our Mobile web App, eStatements and eFee Advices
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.
When you use your Debit Card for purchases in foreign currency or ATM withdrawals in foreign currency, these transaction will attract additional fees and charges that are charged to your Current Account as they occur, typically on the date the transaction is posted to your Current Account.
Mastercard foreign exchange rates will also apply and are subject to change.
This currency conversion calculator allows you to see the foreign exchange rates set by Mastercard to convert from the transaction currency as well as the European Central Bank's euro foreign exchange reference rates for the EEA country currencies and the fees and charges that apply.
With Card payments being one of the safest and most convenient ways to pay for goods and services many stores do not even touch your card and get you to enter it in to the payment terminal yourself since the introduction of Chip & PIN. There are always situations where this is not the case and it is important that at a minimum you always keep the card within your sight.
Your Debit Card details can be used fraudulently even when the card itself is safely in your care, so it is vital to check your statements regularly. If you identify purchases that you didn’t make, you must report them immediately to your Credit Union or Credit Union Card Services team on +353 (1) 693 3333 available 24/7.
Your Debit Card details can be used fraudulently even when the card itself is safely in your care, so it is vital to check your current account statements regularly. Click here for a list of handy guidelines.
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 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.
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 for a fee of €2.50 per statement.
You can apply for an overdraft on your Current Account from €200.00 up to a maximum of €5,000.00.
The interest rate is 12% pa variable. Interest is only charged on overdrawn balances. Your credit union does not currently apply surcharge interest (surcharge interest is charged by some Financial Institutions on unauthorised overdrawn balances.
An overdraft fee of €25.00 is charged on approval and on each anniversary of the overdraft approval date.
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.
Overdrafts are subject to financial status and are not available to persons under 18 years of age.
Terms and conditions apply
Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. An overdraft facility fee of €25 per annum or per overdraft sanction, whichever is the more frequent will be applied.
You can apply for an overdraft in your CU Online Banking or Enniscorthy CU App, over the phone on 0539233835 or in person in any office.
Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:
Goods not received
Cancelled subscription not actioned
Received goods not as described
Refund not processed after 30 days
Transaction not recognised
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
In the first instance, you should contact the Retailer and request a refund. If the Retailer refuses to refund your money and you paid using your debit card, you should contact your Credit Union who may initiate a dispute with the Retailer to reverse the transaction. This is called a “Chargeback”.
You can order a replacement 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 order you a replacement card which will be issued within 7-10 working days..
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.
To apply for a Current Account and Debit Card you are required to be a member of your credit union and be aged 12 years or older. Terms and conditions apply.
Overdrafts may be available to Current Account holders who are aged 18 years or older. Lending criteria and terms and conditions apply.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This card is issued by Transact Payments Malta Limited pursuant to licence by Mastercard International. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879.
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