Current Account & Debit Card
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Current Account and Debit Card
Is your bank leaving the market? Are you looking to switch your current account to a new 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!
Features
- 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
Waterford Credit Union - a real and beneficial alternative to your bank.

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

Signing Up
How to sign up?
- Members can sign up online (once registered).
- Alternatively, you may do so in-branch at Parnell Street, Upper Grange or Tramore.
*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?
- Free day-to-day banking for students
- Free Online & mobile banking
- Globally accepted debit Mastercard with contactless
- Reduced rate student loans
- Access to Mastercard Priceless Cities
*16-17 year olds require parental/guardian consent.
Current Account Info
Current Account brochure
- Details can be viewed here:
Introducing Current Account brochure
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 aged 16 – 25 years, resident in the Republic of Ireland and in full time third-level education. If you are 16 or 17 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
- For full details on T&Cs and Fees/Charges please visit currentaccount.ie
Check out our ‘Frequently Asked Questions‘ for more details.
The Currency Conversion Tool is available here.
Other Member Services
Savings
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
Insurance
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.