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Current Account & Debit Card

Current Account and Debit Card

Is your bank leaving the market? Or, are you simply looking to switch your current account to a local provider?

Why not make the switch today & use Waterford Credit Union for all your day-to-day banking needs. 

We have an extremely competitive Current Account, with one of the lowest monthly fees on the market. With a full digital offering, great value loan rates and fully staffed offices – a Current Account from your credit union is an excellent choice.

The Debit Mastercard® gives instant access to money in your current account through a globally accepted debit card, a secure mobile app and online banking facility. Waterford CU is always with you no matter where you are in the world!


  • Fixed monthly fee of €4.00 (charged quarterly)
  • No fees for *Students & *Seniors
  • No transaction fees on Personal Accounts
  • Globally accepted Debit Mastercard®
  • Apple Pay, Google Pay and Fitbit Pay digital wallets
  • Cashback available
  • Contactless Payments
  • Free Direct Debits/Standing Orders/Bill Payments
  • New and improved Mobile App
  • Free Online & Mobile banking
  • Instant access to your money in-store, online & ATM’s
  • Transfers funds to other WCU members instantly
  • Arrange for your salary, pension or welfare payments to be paid into your Current Account
  • Overdraft for unexpected expenses (T&C’s apply)

Waterford Credit Union - a real and beneficial alternative to your bank.

Current Account And Debit Card

If you would like more information, please register your interest below and a member of staff will give you a call.

Signing Up

Who can sign up for a Current Account and Debit Card?

Members can sign up for a Debit Card and Current Account from the age of 12 years.

Teen Current Account holders (12 – 15 years):

  • Requires parental consent.
  • Max of €1,000 can be held in a teen current account.
  • No online access until 16th birthday.

How to sign up for a Debit Card/Current Account?

  • Members can sign up online (once registered).
  • Alternatively, you may do so in-branch at Parnell Street, Upper Grange or Tramore.

Please Note: The Member Services Area for opening Current Accounts closes 30 minutes before closing time, i.e 4.30pm.

*In order to be eligible to apply for a current account/debit card/overdraft you need to be a member of Waterford Credit Union and resident in the Republic of Ireland.

Why sign up for a Student Current Account at Waterford Credit Union?

*12-15 year olds require parental/guardian consent.

Current Account Info

Current Account brochure

  • Details can be viewed here:

Introducing Current Account brochure

Fraud Awareness

Make sure you watch out for links via text message claiming to be from Waterford Credit Union. If you don’t recognise the number, ignore the text.

We’ll never call a specific telephone number asking for your personal details.

If you receive a message from any person or business, be on guard, particularly if the message includes a link. The easiest way to contact Waterford Credit Union is by visiting our contact details at waterfordcu.ie

Lost or Stolen Debit Card | Suspicious Transaction
  • If you need to get in contact regarding a lost or stolen debit card or you are suspicious of a transaction on your debit card account please call our ‘Credit Union Card Services’ team on 01-693-3333.

The Fraud Awareness Booklet is available here.

Current Account & Debit Card T&C’s

Please click here.

In order to open a *Student Current Account and avail of a fee concession, you must be, resident in the Republic of Ireland and in full time education. If you are 12-16 years of age, we require the consent of your parent or guardian for you to open an account.

*Senior members aged 66 years and over may receive a fee concession where there is a verified date of birth on their account.

Apple Pay, Google Pay and Fitbit Pay

To set-up Apple Pay, Google Pay and/or Fitbit Pay, just download the app, enter your Debit Card details by scanning the card or entering the details manually, and submit a One Time Passcode. Use wherever Contactless payments are accepted. You simply hold your mobile phone and/or Fitbit device near a payment terminal to make a Contactless payment.

Please note: your device must have NFC (Near Field Communication) Technology.

Further Information & Support

Travelling Abroad

As we approach the holiday season, we have more queries about whether our debit card can be used abroad. 
As per Payac advice all members can use their card wherever they see the MasterCard sign below:
The only restricted countries are the following:
  • Afghanistan
  • North Korea
  • Russia
  • Belarus
  • Iran
The above list is the most up to date Countries advised by MasterCard (as of 18th May 2023), however this list can be amended.

Other Member Services


Find out everything you need to know about saving with Waterford Credit Union

  • Why Save?
  • How do I Save?
  • Deposit Guarantee Scheme
  • Types of Savings Accounts


Find out everything you need to know about insurance with Waterford Credit Union

  • Loan Protection Insurance
  • Life Savings Insurance
  • Payment Protection Insurance
  • Death Benefit Insurance Travel, Home & Car Insurance

Waterford Credit Union - a real and beneficial alternative to your bank.

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