Take charge of your money

For each sole account you open will have one card.

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

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”.

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 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.

You can receive your PIN by SMS by following the instructions on your Debit card mailer or by calling Credit Union Card Services on +353 (1) 6933333.

You can receive your PIN through the Post by calling Credit Union Card Services on +353 (1) 6933333 or contacting your local Credit Union.

(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).

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.

You can pay easily and conveniently with your Visa card at millions of locations worldwide, wherever you see the Visa symbol. Foreign exchange fees and charges apply where the transaction is performed outside the Eurozone

Yes. You can shop at participating websites using your debit card. When shopping online using your Visa Debit card, you may be asked to enter a password you created along with a one time passcode sent to your phone. This helps us to ensure you’re you and better protects you from fraud. You will receive details on how to set up your online shopping password with your Visa Debit card.

Once your Current Account is opened you will receive a welcome letter from your credit union detailing your BIC and IBAN. You need your IBAN to have electronic payments paid into your account and to enable your parents to set up payments into your account. You can also lodge money into it in any Mallow Credit Union branch.

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 online or visit your local credit union.

A Statement shows you the full list of transactions, in and out of your account within a certain period.

You’ll receive an eStatement for free on your Current Account every quarter of a year, in April, July, October and January. Your parent can request an e-statement too to review your transactions if you are under 16.

No, you need to be at least 18 years old to apply for an overdraft.

All you need to know about Current Account is available here https://currentaccount.ie/

You can read a full copy of our Key Account Terms and Conditions here.

A Teen Life Current Account is Free to all 12 – 17 year olds.

Full details of our Key account fees and charges are available here.

You may however be charged currency exchange fees if you use your card abroad at ATMs.

You must be 16 years old+ to use digital wallets.

The list of Terms and Conditions for using Digital Wallets can be found 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.

VISA 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 VISA 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.

Check out our Currency Conversion Calculator.

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 and don’t give to anyone else.

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.

Check out our Fraud Awareness Brochure.