All you need to know about Current Account is available here: currentaccount.ie/introducing-our-new-look-debit-card/

Find Current Account Terms & Conditions here

As you would expect from your credit union, Current Account has simple and transparent pricing. A low monthly fee of €4.00 applies and that covers unlimited Euro point of sale and contactless transactions, unlimited mobile and online banking and unlimited standing orders and direct debit processing and up to five Euro ATM withdrawals per month. Full details of fees and charges are available 

The terms and Conditions, and some information for using Digital Wallets can be found here.

When you use your Debit Card for purchases in foreign currency or ATM withdrawals in foreign currency, these transaction will attract additional fees and charges that are charged to your Current Account as they occur, typically on the date the transaction is posted to your Current Account.

VISA foreign exchange rates will also apply and are subject to change.

This currency conversion calculator allows you to see the foreign exchange rates set by VISA to convert from the transaction currency as well as the European Central Bank's euro foreign exchange reference rates for the EEA country currencies and the fees and charges that apply.

Check out our currency conversion calculator here.

With Card payments being one of the safest and most convenient ways to pay for goods and services many stores do not even touch your card and get you to enter it in to the payment terminal yourself since the introduction of Chip & PIN. There are always situations where this is not the case and it is important that at a minimum you always keep the card within your sight.

Your Debit Card details can be used fraudulently even when the card itself is safely in your care, so it is vital to check your statements regularly. If you identify purchases that you didn’t make, you must report them immediately to your Credit Union or Credit Union Card Services team on +353 (1) 693 3333 available 24/7.

Your Debit Card details can be used fraudulently even when the card itself is safely in your care, so it is vital to check your current account statements regularly. View a list of handy guidelines here

Check out our Fraud Awareness Booklet here

Current Account, from your trusted credit union is a full service current account that allows you to access a range of facilities, such as receiving  your wages/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 as well as in your local branch.

With Current Account, from your 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.

You can, if aged 18+, apply for an overdraft to help with unexpected expenses or poorly timed direct debits.

If you are a member, and are aged 12 years or older then you can apply for a Current Account and Debit Card. Parental Consent required for Members aged under 16 years.

If you are a member, and a registered online banking user you can apply directly through online banking for your Current Account and Debit Card. (age 18+).

If you are registered online with your credit union, you can open a Current Account in your sole name online. Simply log in to online banking here 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 branch.

To open a Current Account for a member aged 12-17, this has to be done in one of our branches.

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 (Unless we already hold suitable, recent documents on file)

Acceptable Proof of Identity:

• Current valid 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: Address documents must have been issued in the previous six months.

Call us on 0818 345 925 for further assistance.

A joint current account can be opened but not online. Both parties to the account must call into your credit union branch with their proof of identity and proof of address to complete & sign the application form(s).

Once your Current Account is opened you will receive a welcome letter/email 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 here for Altura Credit Union online access 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 instead, 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.

eStatements are free, and can be generated in inline banking at any time. These are also more sustainable for the environment, as we reduce printing and postage.

For each sole account you open will have one card. For a joint account each account holder can have one card in their own name.

If you accidentally block your PIN at a point of sale terminal, you can simply go to an ATM and unblock your PIN, by entering the correct PIN.

If you accidentally block your PIN at an ATM please contact our Current Account Card Services Team on +353 (1) 6933333

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.

You can also suspend your card yourself in the app or online banking.

Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:

1. Duplicated transaction
2. Goods not received
3. Cancelled subscription not actioned
4. Received goods not as described
5. Refund not processed after 30 days
6. Transaction not recognised
7. Free Trials
8. Car Rentals

If you have identified a transaction that you are suspicious of on your Debit Card, you must contact your Credit Union or Credit Union Card Services team immediately on +353 (1) 6933333

In the first instance, you should contact the Retailer and request a refund. If the Retailer refuses to refund your money and you paid using your debit card, you should contact your Credit Union who may initiate a dispute with the Retailer to reverse the transaction. This is called a “Chargeback”.

Members must complete and return a ‘Disputed Transaction’ form along with copies of any:

• Detailed cover letter advising the nature of the dispute
• Proof of purchase
• Evidence of the transaction
• Interactions with the company (emails/letters)

To be returned to their Credit Union to complete a ‘chargeback’ request.

You can order a replacement 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.

You can also call Altura Credit Union directly on 0818 345 925 during business hours.

We will order you a replacement card which will be issued within 7-10 working days.

When you get a new or replacement card, it will come with a card mailer (letter). Please read this fully.

You can receive your PIN by SMS by following the instructions on your Debit card mailer or by calling Credit Union Card Services on +353 (1) 6933333.

You can receive your PIN through the Post by calling Credit Union Card Services on +353 (1) 6933333 or contacting your local Credit Union.

(Our Customer Services line is open 24 hours a day, 7 days a week).

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.

Yes. You can obtain cashback up to €100.00 when making purchases at participating retailers.

You can also withdraw up to a maximum of €700.00 per day. (Withdrawal limits individual at ATMs will vary).

You can use your card anywhere in the world where the Visa Acceptance Mark is displayed. Foreign exchange fees and charges apply where the transaction is performed outside the Eurozone.

When shopping online using your Visa Debit card, you may be asked to enter a password you created along with a one time passcode sent to your phone. This helps us to ensure you’re better protected from fraud.

You will receive details on how to set up your online shopping password with your Visa Debit card.

To create your online shopping password for use with this card, text PASSWORD followed by your date of birth and last four digits of your Visa debit card number to: 51155.

Example: PASSWORD DDMMYYYY XXXX (ALL UPPERCASE LETTERS, with spaces as indicated above).

Then simply follow the instructions for creating your password.

Example: Create a strong memorable password using a minimum of 8 characters and maximum of 16, and containing at least 1 lower case + 1 upper case + 1 number + 1 special character ( ~`! @#$%^&*()-_+={}[]|\;:”<>,./? ).

If you are asked for your password when shopping online and cannot remember it, don’t worry, you will have the option to click on ‘Forgot Password’ and reset a new password so that you can complete your payment.