Introducing the new Credit Union Current Account
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 mobile app, Credit Union Current Account gives you all the benefits you expect, but with the personal touch of your trusted Credit Union.
From Tuesday the 8th of March, higher security standards have come into effect for recurring card payments. Click here to learn more.
Apply online
via our Online Banking Platform
Switch Current Account
Here's a step-by-step guide
Member with no online access
Sign up to Online Banking and apply
Features and Benefits
- Easy to sign up
- Same friendly service
- Globally accepted Visa Debit Card
- Use in-store, online or at ATMs
- Cashback available at participating retailers
- Contactless payment
- Transparent Fees
- 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
- Secure online shopping
- 24/7 support for lost/stolen debit cards
Experience the convenience of Google Pay
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.
Find out more about Google PayGoogle Pay is a trademark of Google LLC.
A Safer contactless way to pay
We are bringing you a safer way to pay , giving you the freedom to securely spend without a €50 limit, touch free with Apple Pay.You can now use your Apple device to pay with your Credit Union Debit Card wherever you see the Apple Pay or contactless logo in store, online or in-app. It is a safer, contactless way to pay.
Find out more about Apple PayImportant information
Current Account Schedule of Fees and Charges
Current Account
Brochure
Current Account and Debit Card Terms and Conditions
Current Account Fraud Awareness Brochure
Debit Card Disputed Transaction Form
Currency Conversion Calculator
FAQ - Frequently Asked Questions
What is Current Account?
Current Account, 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 West-Midlands 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. Learn more here.
Who can apply for a Current account?
Once you are a member of West-Midlands Credit Union . If you are aged between 12 and 16 years of age, we require the consent of your parent or guardian for you to open an Account.
What happens if my debit card is lost or stolen?
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.
What happens if I damage my card?
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.
Can I change my card pin?
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.
What is PSD2 and how does it affect me?
Payment Services Directive 2 (PSD2) which came into force on the 14th of September 2019, are regulations to bring additional safety and security to your online banking. These changes have been introduced to protect consumers from increased online fraud. This additional security is known as Strong Customer Authentication (SCA) and it was introduced on both our browser-based services and Mobile App. For further information, please go to: https://currentaccount.ie/psd2/
