CURRENT ACCOUNT

Apply on APP or Online: (Single Accounts and over 16’s only)

Log into St. Paul’s Garda Credit Union APP or your Online Account and click on “APPLY FOR CURRENT ACCOUNT”.

Follow the simple application process, terms and conditions will be available during the process and are also available on the Downloads section of our website.

If you are not already registered for online account access we recommend that you Register for Online Account access now. When you have received your online access Username, PIN and Password you can apply for the Current Account and Debit Card on our APP or online.

Joint Accounts:

At St. Paul’s, we make the switching process as convenient and simple as possible. The switching process starts on the date you indicate on your Account Transfer Form. Under the Code of Conduct for Switching, the old bank must ensure that all steps are taken to facilitate moving your account within 7 working days of the switching date, and the Credit Union must ensure that all steps are taken to open your new account within 10 working days of the switching date.

The Switcher Team will switch Direct Debits and Standing Orders from your old account. You must switch your Salary, other incoming payments, and recurring payments from your Debit Card yourself.

First Step – If you don’t already have one, Open a Current Account with St. Paul’s – How to Apply?

Then – when you receive your St. Paul’s Current Account IBAN:

• Complete the Switcher Form and return to St. Paul’s.
• Select Start Switch Date – Select a quiet time when there is little activity on your old account as the start switch date, to avoid a clash with incoming salary or outgoing mortgage payments etc.
• Notify your employer/pension provider of your new Current Account details:
• • GARDA PAYROLL – Update SALARY & SUB Payment IBAN Details on the Garda Portal
  • GARDA PENSION – Complete “Garda Pension – Change Bank or Credit Union Details Form” and return to Garda Pensions, National Shared Service Office, Tullamore.
  • Other Employer – Complete the Form in Appendix 2 of the Switcher Pack and return to the employer.
• Notify your other regular payments suppliers, Child Benefit etc., by using the Form in Appendix 3 of the Switcher Pack.
• Contact companies that have recurring payments on your old debit card and give them your new details. You will see these payments on your old current account statement.
• Remember not all payments are monthly e.g., property tax, TV licence etc.
• We recommend that you keep your old account open until you are satisfied that all incoming and outgoing payments have been switched.

Let us know if you require an overdraft or loan to consolidate existing debt and we’ll process your application speedily.

We aim to make the Switching process as easy and stress free as possible, contact us with any queries on 021-4313355 or enquiries@stpaulscu.ie

If you cannot download these forms, contact us on 021-4313355 or enquiries@stpaulscu.ie and we will post the Switcher Pack and Forms to you

Student Current Account

Our Current Account gives you instant access to your money through our Mastercard® Debit Card, a secure app and online portal, and best of all, there’s free day-to-day banking for Students. (Terms and Conditions apply)

In order to open a Student Current Account and avail of a fee concession, you must be aged 16 – 25 years, resident in the Republic of Ireland and in full time third-level education. If you are 16 or 17 years of age, we require the consent of your parent or guardian for you to open a Current Account.

Fees and charges apply for using your Debit Card for purchases and cash withdrawals in a foreign currency. 

Student Loans

We can provide you with loans for college fees and expenses, and a car loan if you now need a car to travel to college (Lending Terms and Conditions Apply)

Beware of  Scams and Fraud that entice you to sign up online for a Draw or a Product Test which end up billing your Card or Account weekly or Monthly.

When signing up online for a free trial or product test, you may be agreeing to further weekly or monthly subscriptions in the ‘terms and conditions’ of the purchase, or the free item you are testing.

Top Tips for Subscriptions / Continuous Authorities

1. Ensure you review the Merchant Terms & Conditions prior to agreeing to them, do not tick “Accept T&C’s” until you have read and understood them.
2. Don’t sign up for a free offer unless you’re confident that you understand exactly what you’re agreeing to.
3. Research online reviews of the Merchant if they are unknown or if you have not previously made a purchase from them.
4. Don’t be enticed by celebrity endorsements or social media pop up’s. Scammers often use famous names and faces without authorisation.
5. Ensure there is adequate ‘Contact Us’ details & beware of the cancellation policy in case of any follow up queries are required.
6. Monitor your Current Account & Debit Card history regularly to see if you’re being charged for something you didn’t knowingly purchase.

Remember if it sounds too good to be true – it probably is!!

For more information download the Fraud Awareness Brochure below.

The final changes under the second Payment Services Directive, also known as PSD2 comes into full force from 1st January 2021. PSD2 will mean changes to how you shop online from 1st January 2021.

These changes relate to the implementation of Strong Customer Authentication, also referred to as SCA. This means that you will need to carry out an additional security step before you complete your online shopping by using a one-time passcode which you will receive by text.

These changes mean better protection for you and will make shopping online even more secure