Teen Current Account

Ready to do more with your money?

A Teen Life Current Account with Mallow CU offers a safe place to stash your cash as well as a Debit Mastercard® for when you want to spend it.

And the best part is – it’s FREE. See? You’re saving already!

So whether you’re a life-long saver with the Credit Union or you’re just starting out on your financial journey and are ready to start managing your money, we’ve got the financial tools and tips to CU through.

Debit Card

Get a Current Account Debit Mastercard® for shopping online and instore

Track your spending

View your account and keep an eye on your spending

Save your pocket money

Parents with CU accounts can automate your allowance so you're never short changed!

The CU difference

With this account you get the best of both worlds; modern, everyday banking in the trusted hands of your local CU.

Transfer money

Full online access, so you can transfer money in and out of your account through the app. (16s+)

Digital Wallet

Use your card on Apple Pay, Google Pay, Fitbit Pay and to top up on Revolut. (16s+, T&Cs apply)

Ready to sign up?

If you’re aged between 12 – 15, you need to bring:

  1. Your Birth Certificate or valid Passport
  2. Proof of your PPS Number

Your Parent/Guardian needs to bring:

  1. Valid Photo ID
  2. Proof of PPS Number
  3. Proof of name & address dated within the last 6 months (i.e. Utility Bill/Bank Statement)

You’ll also need an email address & mobile number to operate the account (or parent/guardian’s)

16s+ can sign up on their own.
(ID, PPS & Proof of Address required)

Want to know more?

Teen Debit Card FAQs

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 use your card anywhere in the world where the Mastercard Acceptance Mark is displayed. Foreign exchange fees and charges will 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.

Certain restrictions apply to cardholders under 18.

Current Account FAQs

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.

Additional Advice

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.

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.

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.

Important Information:

To apply for a Teen Life Current Account and Debit Card you are required to be a member of your credit union and be aged 12 years or older. Key Account 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.

Google, Fitbit, Android and Google Pay are trademarks of Google LLC.

Apple, the Apple logo, Apple Pay, Apple Watch, Mac, MacBook Pro, Face ID, iPad, iPhone and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

If you would like more information please contact Mallow Credit Union today.

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