Current Account & Debit Card

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!


  • 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

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.

*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?

*12-16 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, 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

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.