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

The Budgeting Service allows you to plan for the payment of your recurring bills which you must inevitably pay. This list includes:

  • All utility companies including Electric, Gas, Phone, TV, Broadband etc.,
  • Your Mortgage, Rent, Car Tax, Insurance, Home Heating, Fuel Cards etc.,
  • Societies, Sports and Social Club membership fees etc.
Download Budget Account Application Form

Budget Credit Facility

You must ensure that you have budgeted sufficiently for the year and that there are sufficient funds in your Budget Account to pay all bills when they are due.

Some members may need a Credit facility to ensure that bills are paid as they fall due and not rejected as a result of the timing of bills being presented for payment ahead of the receipt of funds into the Budget Account.

Budget Credit facility with limits of €100 or €500 may be applied for when your Budget Account is in operation for a number of months.

  • Credit Limits up to €100 will not be charged Interest
  • Credit Limits from €100 to €500 will be charged Interest at a rate of 8.75% (variable).

Members with established and well operated Budget Accounts can apply for a Credit facility of €1,000.

  • Credit Limits up to €100 will not be charged Interest
  • Credit Limits from €100 to €1,000 will be charged Interest at a rate of 8.75% (variable).
Download Budget Account CREDIT Application Form

Manage your Account Online

St Paul’s Garda Credit Union Ltd. recommended that you register online for secure online account access to enable you to view and manage your Account online.

Register for Online Access