Current Accounts are available for all members aged 12 and over.
Members aged 12 to 15 years require parental/guardian consent and must be accompanied by a parent/guardian to apply.
Members aged 16 years and over can apply without parental/guardian consent.
You can use your card anywhere in the world where the Mastercard Acceptance Mark is displayed. Foreign exchange fees and charges apply where the transaction is performed outside the Eurozone.
Yes. You can obtain cashback up to €100 when making purchases at participating retailers.
You can also withdraw up to a maximum of €700 per day at ATMs located through the country and abroad. (Withdrawal limits at ATMs vary).
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.
You can order a new card by calling Credit Union Card Services on 01 693 3333 (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher).
We will cancel your existing card and a new card will be issued to you within 7-10 working days.
A Current Account 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 a Current Account, 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.
Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:
Duplicated transaction
Goods not received
Cancelled subscription not actioned
Received goods not as described
Refund not processed after 30 days
Transaction not recognised
Free Trials
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
A disputed transaction request initiates a ‘chargeback’ which alerts a request to the merchant to reverse the transaction on a Debit Card.
Members must complete and return a ‘Disputed Transaction’ form along with copies of any:
To be returned to their Credit Union to complete a ‘chargeback’ request.
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.
If you accidentally block your PIN at a point of sale terminal, you can simply go to an ATM and unblock your PIN.
If you accidentally block your PIN at an ATM please contact our Current Account Card Services Team on +353 (1) 6933333.
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.
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 more frequently for a fee of €2.50 per statement.
Yes, once you are registered online you can:
View your balance & account transactions
Transfer money within your CU or externally (SEPA)
Manage Standing Orders & Direct Debits
Download eStatements and recent transaction reports
You will also be able to view and make quick account transfers using the Mobile App.
To register for online access click here
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 now.
A joint account can be opened but not online.
Both parties to the account must call into a Life Credit Union branch with their proof of identity and proof of address to sign the application form.
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
National EU Identity 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
If you are registered online, you can open a Current Account in your sole name online. Simply click here and we’ll help you 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.
Yes. You can shop at participating websites using your card. Mastercard SecureCode is a free service that provides cardholders with additional security and peace of mind when shopping online. During the checkout process when shopping online, you may be asked to register for the Mastercard SecureCode service.
Current Account has a 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 direct debit processing and up to five Euro ATM withdrawals per month.
Full details of fees and charges are available here.
No fees apply for under 25 years or over 66 years.
Yes. Account fees are calculated quarterly for quarters ending 31st March, 30th June, 30th September and 31st December. A fee notification will issue along with your quarterly statement, prior to fees being charged to your account. Fees are charged to members accounts on the 28th of April, July, October and December or where the 28th is not a business day, the next business day.
An overdraft is a short-term way to borrow on your Current Account and can help in months where things get a little tight e.g. if you receive a higher than expected bill and need a bit longer to pay. Once your overdraft is sanctioned, the money is available to you through your Current Account.
Credit union members over 18 years of age can apply for an overdraft. To avail of this facility you will need to have or open a Current Account.
You can apply for an overdraft online or at one of our branches. 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.
You can apply for an overdraft up to an amount equal to your monthly income, within the range of €200.00 up to €5000.00.
Overdrafts are subject to normal lending criteria terms & conditions.
Overdrafts are normally sanctioned for a period of 12 months. If you use your account within the overdraft limit we agree with you, then we may automatically renew it when the term comes to an end.
An overdraft facility fee of €25.00 per annum or per overdraft sanction, whichever is the more frequent, applies.
The interest rate is a flat rate of 12% per annum. Interest is only charged on overdrawn balances. Life Credit Union does not apply surcharge interest.
To exit the Car Draw you must inform us in writing, by filling in our Car Draw Decline Form. You can find this in our forms section, or in any of our branches.
We strive to deliver the best possible service at all times. However, things may go wrong from time to time. We welcome feedback and complaints from our members so that we can improve our service to you, our members.
If you wish to make a complaint, you can contact us by email at feedback@lifecu.ie or in writing to any of our branches.
You can apply online under our Car Draw section here. Or you can pick up a form at any of our branches.
Once you join €38 will automatically be taken from your account every June. Full terms & conditions apply.
You may view our opening hours here.
Yes, you may transact in any of our branches, our advice would be to use online facility as much as possible. Register here , if required.
ISBAR is Ireland’s Safe Deposit Box, Bank and Payment Accounts Register. The purpose of ISBAR is to hold information on accounts identifiable by IBAN
(including account holders, beneficial owners and signatories), and information on safe deposit box services provided by credit institutions in Ireland, and to enable legally prescribed authorities to search and retrieve information. For more information on ISBAR and what it means for members, please visit https://www.centralbank.ie/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/ireland-safe-deposit-box-bank-and-payment-accounts-register-(isbar)/isbar-faq
We understand there may be times when something happens in your life that may make it difficult to keep up with your repayments, for example a job loss. The first thing you should do is to contact our Credit Control department or a member of staff who will deal with your case confidentially.
The minimum paperwork we will need is 3 months up to date recent bank statements and 3 most recent payslips. However, we may also require additional paperwork depending on the loan applied for. Check our Loans page for more details.
You can repay your loan by Standing Order, Direct Debit, Electronic Funds Transfer (EFT), over the phone or by coming in to make a payment in any of our branches.
Yes, you can apply for a top up loan at any time. You don’t have to repay one loan in full before applying for another.
Generally, we will be back to you with a decision within 2 working days. To speed up the process, make sure you have the relevant paperwork.
In general, each application is assessed on its own merit and on the ability of the member to repay the loan in full. The maximum loan a member can apply for unsecured is €75,000 and we also offer a secured loan where members can borrow up to 60% of the value of the asset.
No, you only need €10 in your savings account to apply for a loan, and can apply for a loan as soon as you join. We approve loans based on an ability to repay, not your savings record, or length of membership.
The fastest way to apply for a loan is online, click here to apply. You can also apply over the phone on 045 879 622 or by making an appointment in one of our branches.
Yes, you can join and apply for a loan straight away, with only €1 in your savings account.
Proof of address dated less than 6 months
Proof of ID (passport or driving license)
Proof of employment/college if working/studying in area
Anyone living or working in our common bond is eligible to become a member. Check out our Join Us section for more details.
It’s easy to register, and we’ll get you online in no time! Just click Register above and fill in the details.
You can transfer funds from your bank account directly into your Credit Union account using your Credit Union IBAN.
You can set up and add payees through Online Banking. Once you are logged in, just go to Manage Payees and you can add external accounts and utility bills.
When you register for Online Banking you will automatically be able to transfer funds to and from your Credit Union account. You can select Internal Account Transfers or External Account Transfers from the menu and fill in the details.
You will need to contact us and we can re-issue you with a new PIN. Click here for new PIN (link to PIN)
If you are experiencing problems getting logged in to your Online Banking, check the following:
Did you receive a confirmation email about your registration request?
If no, then your registration was not completed properly, please try registering again making sure to fill in all the required details.
Have you received your Pin number? You will need your member number, date of birth and 3 digits from your 6 digit PIN to log in.
If you did receive your confirmation email and pin, check the details to ensure you are entering them correctly. If you are still having problems then please contact us directly on 045 879 622 and we will help.
Yes, we have an App which allows you to access your account on the move. Just search Life Credit Union in your App Store and download.
Yes you can make payments online from your Credit Union account to other Credit Union accounts, to other Irish bank accounts or to overseas bank accounts in the Eurozone, using the relevant IBAN and BIC . Once you are registered for Online Banking, these functions will be available to you.
It’s easy to register for our online banking. Just go to the register tab at the top of the website and fill in the details. You will then be sent a PIN in the post and once this is received you can access your online account.
Yes, download our app and click on + add member to link multiple accounts.
Yes second party to a joint account can have individual log on access , ensure letter J is entered after your account number.
You can set up an EFT through your CU Online, or pop in to see us in any of our branches and we can set it up for you.
Login via the website. Add new Standing Order and fill in relevant fields.
Log into your account online or via the app and the relevant IBAN will be displayed.
Log into your account via the website and print e-statement.
Yes, you just have to contact the relevant payees and give them the IBAN to your account.
Yes, we accept coin as long as it is properly bagged. Maximum daily limit is €100.
Cheque clearing – 14 days
Direct Debits – called for 3 days before they are due
Bank Transfer – if funds are sent before 1pm the funds will be in your account by the close of business that day. If after 1pm the funds will be in the bank account by the close of business the following working day.
To another Life Credit Union account, it is instant. To an outside account before 1pm close of business the same day, after 1pm by close of business the following working day.
Online daily transfer limit – €5,000
In branch transfer limit – €20,000
Daily cash withdrawal limit – €3,000
Yes, we currently have a savings limit of €20,000 per member in place and a monthly lodgement cap of €7,500.
From 1st October 2023 a monthly lodgement limit of €2,000 will apply to Juvenile Accounts.
There are no fees for standard transactions on a Share Account.
From 1st August 2023 there will be a fee of €3.50 for issuing cheques (excluding cheques issued for purposes of loan application).
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