Current Account from GCU
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.
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
- Contactless payment
- Easy to sign up
- Transparent fees
- No surcharge interest on overdrafts
- Automate regular payments using Standing Orders & Direct Debits
- Stay in control with our Mobile App, eStatements and eFee Advices
- Secure online shopping
- 24/7 support for lost/stolen debit cards
A safer, contactless way to pay
Say hello to Google Pay™ and Fitbit Pay™
You can now use Google PayTM and Fitbit PayTM to make contactless payments wherever you see the contactless payment mark. Available now with your Current Account debit card from your Credit Union!
Useful Downloads & Links
Digital Wallet Terms and Conditions
Currency Conversion
Calculator
Current Account
Switcher Guide
Current Account Application Form
Current Account
Switcher Pack
Current Account
Switcher Form
How to Apply
- If you are a member of Gurranabraher CU with a CU Online Account – you can apply via the Gurranabraher CU App or your CU Online Account.
- If you are a member of Gurranabraher CU but do not have CU Online Account – you can register for CU Online or you can apply in any of our offices.
- If you are not a member, you can become a member online here, or open an account in any office, our opening hours are listed here.
Find Out More
All you need to know about Current Account is available here https://currentaccount.ie/
Check out or Fraud Awareness Brochure here
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 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.
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 your credit union, you can open a Current Account in your sole name online. Simply click here and log in to open your Current Account.
If you are not registered online or wish to open a joint account, you will both need to drop into your credit union office.
To open your Current Account either online or in your credit union office, you will require one proof of identity and one proof of address.
Acceptable Proof of Identity:
- Current valid signed passport/passport card
- Driving Licence – Full licence or learners permit
Acceptable Proof of Address*:
- Bank, building society or credit card statement (paper/e-format)
- Household utility bill (paper/ e format)
- Revenue Commissioners current balancing statement or Notification of Determination of Tax Credit/Tax Notification
*Note: These documents must have been issued in the previous six months
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. 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 Gurrabraher CU App, over the phone on 0539233835 or in person in any office.
Yes you can transfer your account to Gurranabraher Credit Union, check out the Current Account Transfer Guide.
Debit Card 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 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.
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 your credit union, you can open a Current Account in your sole name online. Simply click here and log in to open your Current Account.
If you are not registered online or wish to open a joint account, you will both need to drop into your credit union office.
To open your Current Account either online or in your credit union office, you will require one proof of identity and one proof of address.
Acceptable Proof of Identity:
- Current valid signed passport/passport card
- Driving Licence – Full licence or learners permit
Acceptable Proof of Address*:
- Bank, building society or credit card statement (paper/e-format)
- Household utility bill (paper/ e format)
- Revenue Commissioners current balancing statement or Notification of Determination of Tax Credit/Tax Notification
*Note: These documents must have been issued in the previous six months
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. 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 Gurrabraher CU App, over the phone on 0539233835 or in person in any office.
Yes you can transfer your account to Gurranabraher Credit Union, check out the Current Account Transfer Guide.
Important Information
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.
Latest News
Cyber Security Awareness
As part of our ongoing campaign to raise awareness of the various risks faced by our members, please do exercise vigilance in relation to ‘phishing’
Junior Savers Week
At Gurranabraher Credit Union we are looking forward to celebrating Junior Savers Week between 23rd – 29th of September 2024. The aim of Junior Savers
Member Satisfaction Survey 2024
Calling all members – we want to hear from you! We are always looking for ways to improve our services, and your input plays a