Direct Debits

Direct Debits In: A Direct Debit can be set up to deduct money automatically from your bank account into your Credit Union account on a regular basis – Weekly, Fortnightly or Monthly. This is a great way to make your loan repayments. All you need to do is complete a Direct Debit Mandate, return it to us and we’ll do the rest!

Direct Debits Out: Direct Debits can also be set up to make sure that your bills are paid regularly and on time.

A Direct Debit can be set up to pay any service provider from your Credit Union account and is a simple and reliable way of making repayments of your bills. To set one up, all you need to do is provide the service provider with your Credit Union BIC & IBAN numbers. The IBAN for your Budget or Current Account is available on cuOnline, cuAnywhere App or from our office.

SEPA Direct Debit Mandate Form

Electronic Funds Transfer

You can transfer funds electronically from your Credit Union account to a bank account of your choice in a safe, and convenient way. Simply call into us to set up your EFT or if you’re short on time, you can set up an EFT through your CU Online account.

You can also transfer funds from your bank into your Credit Union account through CU Online or credit transfer at your bank branch – all you need is your Credit Union BIC and IBAN numbers, which you can get by contacting us.

Please note, that if you have a number of accounts with us, for example Shares and Loans, it is important that you reference the EFT correctly so incoming funds are lodged to the correct account. For Budget or Current Accounts it is important that you use the correct Budget or Current Account IBAN so that incoming funds are lodged direct to the correct account.

Foreign Currency

Thanks to No.1 Currency, St. Paul’s Garda Credit Union offers members the opportunity to buy foreign currency from the convenience of your smartphone, tablet or computer and deliver it straight to your front door!

  • Free Delivery on orders over €750! A €6.00 charge will apply for orders under €750.
  • Minimum purchase amount is €400, maximum is €2,500.
  • Currency will be delivered via An Post Registered Mail and will be fully insured (Please note a signature is required on delivery).

It’s as simple as entering the amount you want to convert and entering your details!

Click on the image below to order your currency.

Fexco U.C. trading as No.1 Currency and St. Paul’s Garda Credit Union Limited are regulated by the Central Bank of Ireland.

Members Prize Draw

The Prize Draw is our members’ chance to win a brand new car and cash prizes every month. Members over 18 can enter the draw for €6.50 per month.

How to enter:

In order to participate in the draw we need your written authorisation (Members Draw Form) to deduct the monthly fee from your Credit Union Shares account.

The draw sub of €6.50 per month will be deducted from your shares on the last working day of each month, this will enter you in the following months draw

Last year St. Paul’s Garda Credit Union gave away Cars and Cash Prizes in our Draws with a total value of almost €1.5 million.

Members Draw Page

Payroll Deduction Scheme

This is a facility for all employees in the workforce.

The Credit Union, in co-operation with your employer, provides you with the opportunity to save or repay a loan without any inconvenience to you. Your employer, with your consent, deducts a specified sum from your wages and sends it to the Credit Union where it will be used to purchase shares or make a loan repayment. This is a free service to members.

Garda Pay/Pension Deduction Form

Budget Accounts

Why not take the worry out of paying those recurring bills? Our Budgeting Service is absolutely free with NO fees or transaction charges. Spread the cost of your regular household bills over 12 months.

Budget Accounts Page

Standing Orders

Standing Orders can be set up by members so that regular payments can be made from your bank account into your Credit Union savings account or off your loan for fixed amounts. You set it up with your bank and only you can make changes to it.

You will need your Credit Union BIC and IBAN numbers, which you can find on any of your transaction receipts, or you can call us on 021-4313355.

Circle K Fuel Card

Get 4 cent per litre off the pump price for Diesel & Unleaded fuel purchases at all Circle K locations in Republic Of Ireland.

Special Offer for July 2021: Get 5 cent per litre off!


Car Wash Offer: 30% Discount on Car Wash at Circle K company owned and operated service stations.

No Government Tax: The Fuel Card is not a credit card so it does not attract any government tax.

Invoicing: Circle K will invoice your Account weekly and the bill is paid by Direct Debit.


  • You must be a member of St. Paul’s Garda Credit Union
  • You must have an email address & an active Current or Budget Account
  • You will require your Account IBAN to complete the online application
Apply Online

Note: You may incur penalties or charges for late payment of invoices. You must ensure you have sufficient funds in your Account to pay your Circle K and other Bills as they fall due.

You can apply for an Overdraft on your St. Paul’s Current Account via your Online Account

You can apply for a Credit Facility on your St. Paul’s Budget Account with the Budget Credit Form.

Terms and Conditions, Station Locations, PIN Reminder & STOP your Card links are available on the Circle K website via the Apply Online link above.

Circle K Fuel Card Customer Helpline: 091-482900 or 1890-323232

DCI Fuel Card

St. Paul’s DCI Discount Fuel Card

Get 4 cent per litre off the pump price of Motor Diesel & Petrol at over 800 DCI Core Sites.

The St. Paul’s DCI Card will give 4c off the Pump Price of Motor Diesel and Petrol at the sites listed.

  • You can also pay for car wash, motor oil and other fuels if you wish, DCI can tailor the services you want to pay for with the card to suit you

Invoicing and Billing frequency

  • Invoices can be accessed through the online portal An invoice will be drawn up every Monday for any drawings in the previous 7 days and then debited from your account 7 days later.

Card Charges

  • The Card is free, with no monthly or annual charges

Penalties for missed or failed direct debits

  • DCI may charge a penalty of €35 to review an account after missed payments, these are dealt with on an individual basis by DCI

You will need the following information to apply

  • Name
  • Address
  • Telephone Number
  • Email address
  • Date of Birth
  • IBAN
  • Estimated monthly spend on Petrol/Diesel
  • Number of Cards required

Apply for the DCI Card by contacting Eddie Shaw at DCI as follows

  • Send email to – (Subject: Application for St. Paul’s Garda Credit Union DCI Card) and include all the required information above, or
  • Call Eddie Shaw at 091 482970 – Quote: Application for St. Paul’s Garda Credit Union DCI Card

See list of over 800 DCI sites here.

CIRCLE K SITES – use the St. Paul’s Circle K Fuel Card to get 4 cent per litre off the pump price of Motor Diesel & Petrol at all Circle K locations.