The safer, contactless way to pay
You can now use your Apple device to pay with your Credit Union Debit Visa© wherever you see the Apple PayTM or contactless logo in store, online or in-app.
Say hello to Google Pay
You can now use Google PayTM and Google WalletTM to make contactless payments wherever you see the contactless payment mark. Available now with your Credit Union Current Account debit card.
Reasons to Choose Connect CU
Easy to sign up, simply login to your Online Banking account
Globally accepted Visa Debit Card
Use in-store, online or at ATMs, Contactless payments and Transparent Fees
Automate regular payments using Standing Orders & Direct Debits
Stay in control with our Mobile App, eStatements and eFee Advices
24/7 support for lost/stolen debit cards
Find out more
All you need to know about Current Account is available here: https://currentaccount.ie/introducing-our-new-look-debit-card/
You can read a full copy of the Terms and Conditions.
You can read a full copy of the Privacy Policy here.
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 Fee's and Charges here.
Currency Conversion Calculator
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.
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 FAQs
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 Visa 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.
If you are a member of a participating credit union and are aged 16 years or older then you can apply for a Current Account and Debit Card.
If you are a member of a participating credit union and a registered online banking user you can apply directly through online banking for your Current Account and Debit Card.
If you are registered online with Connect credit union, you can open a Current Account in your sole name online via our mobile app.
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.
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.
Visa Current Account FAQs
As part of our commitment to enhancing your banking experience, we are transitioning our Current Account debit cards from Mastercard to Visa. All current account holders will receive a new Visa Debit card as part of this enhancement.
The new look debit card is powered by Visa and comes with trusted benefits and enhanced features. The card will be issued to all existing and new Credit Union Current Account members.
The newly designed Visa Debit card will begin arriving by post in July 2026. You will receive an notification two weeks before your card is delivered, explaining what to expect and any steps you may need to take once it arrives. In the mean time your existing card will continue to work. No action is required by you until your new card arrives.
Read carefully the ‘What to do next’ section on the enclosed card mailer and follow all of the steps detailed.
- Sign your card immediately.
- Obtain your PIN using the steps detailed on the mailer with the card. To obtain your PIN for use with this card, text PIN followed by your date of birth and the last four digits of your debit card number to 51155.
- Create your Online Shopping Password, using the steps detailed on the reverse of the card mailer you received with your card.
To create your online shopping password for use with this card, text PASSWORD followed by your date of birth and last four digits of your Visa debit card number to 51155
Example: PASSWORD DDMMYYYY XXXX (ALL UPPERCASE LETTERS, with spaces as indicated above). Then simply follow the instructions for creating your password.
Example: Create a strong memorable password using a minimum of 8 characters and maximum of 16, and containing at least 1 lower case + 1 upper case + 1 number + 1 special character ( ~`! @#$%^&*()-_+={}[]|\;:”<>,./? ).
If you are asked for your password when shopping online and cannot remember it, don’t worry, you will have the option to click on ‘Forgot Password’ and reset a new password so that you can complete your payment - Complete a PIN transaction at an ATM or in a retailer to activate your card.
- Once your physical card is activated, you can enable Contactless.
Yes, if you wish to continue using your digital wallet, you will need to add your Visa debit card to your Apple Pay or Google Pay Wallet. Simply open the App, click on + and follow the instructions.
Yes, Don’t forget to remove your old Mastercard from your Digital Wallet.
If you have payments or subscriptions set up on your existing debit card, you will need to provide the payment originator with your new Visa card details.
Each cardholder will need to retrieve their PIN and activate their card. Please be aware that when one Visa Debit card on a joint account is activated, the other cardholder must also activate their card to avoid any interruption to debit card services.
Your Mastercard will be cancelled automatically once you activate your Visa Debit card. After activating your Visa Debit card, please destroy your old Mastercard by cutting it in half.
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 better protected from fraud.
You will receive details on how to set up your online shopping password with your Visa Debit card.
Visa Secure is an online security service provided by Visa that adds an extra layer of protection to your online purchases, helping to prevent fraud and ensure that only you can authorize transactions with your card.
To create your online shopping password for use with this card, text PASSWORD followed by your date of birth and last four digits of your Visa debit card number to: 51155.
Example: PASSWORD DDMMYYYY XXXX (ALL UPPERCASE LETTERS, with spaces as indicated above).
Then simply follow the instructions for creating your password.
Example: Create a strong memorable password using a minimum of 8 characters and maximum of 16, and containing at least 1 lower case + 1 upper case + 1 number + 1 special character ( ~`! @#$%^&*()-_+={}[]|\;:”<>,./? ).
If you are asked for your password when shopping online and cannot remember it, don’t worry, you will have the option to click on ‘Forgot Password’ and reset a new password so that you can complete your payment.
Visa Secure is an online security service for Visa cards that adds a layer of protection against unauthorized use by verifying your identity when you shop online. It works automatically with participating merchants and sometimes requires you to verify your identity by entering a One-Time Passcode sent to your registered mobile phone number and using another method, a password.
There are no costs associated with this service
If you see the Visa Secure badge on participating online merchants’ websites, this indicates the use of the service.
Once you have activated your Visa Debit card by completing an ATM or purchase transaction, you are ready to set up your password for use when shopping online.
To create your online shopping password , text PASSWORD followed by your date of birth and last four digits of your Visa debit card number to 51155.
Example: PASSWORD DDMMYYYY XXXX All UPPER CASE LETTERS with spaces as indicated above.
Then simply follow the instructions for creating your password.
Create a strong memorable password using a minimum of 8 characters and maximum of 16, and containing at least 1 lower case + 1 upper case + 1 number + 1 special character ( ~`! @#$%^&*()-_+={}[]|\;:”<>,./? ).
- A strong password must be at least 8 characters long but can be up to 16 characters.
- Use at least 1 lower case + 1 upper case + 1 number + 1 special character ( ~`! @#$%^&*()-_+={}[]|\;:”<>,./? ).
- Avoid personal information and easily guessable sequences.
- Use a different password for each application.
When shopping online, if you cannot remember your password, simply click on ‘Forgot Password’ and create a new password so that you can complete your payment.
When shopping online and you are asked to confirm it’s you using your card, you will be asked to enter the password you created along with a one time passcode sent to your phone.
Follow the on-screen instructions to complete your purchase.
Yes. You can change your online password by texting PASSWORD followed by your date of birth and last four digits of your Visa Debit card number to 51155.
Yes, as your new card will have a new card number, you will need to set up a new password for this card number. You can use, a password you had previously used.
No, once the card number on the replacement card is the same as the previous Visa Debit card, you wont need to set up a new password.
Yes you can use a password, you previously used before.
No. For some online transactions deemed to be low risk, you may not be asked for your password.
No, you cannot opt out of this service if you want to use your Visa Debit card to shop online.
Yes. To help us keep you safe when using your debit card to shop online, we need to be able to send verify its you e.g. by sending a one-time passcode. Please make sure to update your credit union with your latest mobile phone number.
If you get a new mobile phone number, you will have to update your details with us.
