Full Service Current Account & Debit Card from St. Paul's

Lost or Stolen Debit Card?  –  Suspect Fraud on your Card?  –  Blocked your PIN at an ATM?

Call our Card Services Team on  01 693 3333 immediately, available 24/7

From abroad call +353 01 693 3333

Shopping Online Change from 1st Jan 2020

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


What do I need to do?

To continue to shop online with your Current Account debit card, you need to make sure your we have the correct mobile number for you so that you can receive the one-time passcode required to complete your online shopping transaction.

Contact us to update your mobile number if you change your number

Win a Mastercard® Priceless® Getaway in December

Win a Mastercard® Priceless® Getaway in December.

Use your St. Paul’s Mastercard® Debit Card to complete 3 transactions (purchase in-store or on-line or ATM withdrawal) during the period of the promotion which runs from 7th December 2020 to 31st December 2020 inclusive, and you will automatically qualify for the draw to win an unforgettable getaway experience for 2, courtesy of Mastercard® Priceless® Ireland.


A St. Paul’s member is guaranteed to win this prize!


The winner will have a choice of two locations, Fota Island in Cork or Druids Glen in Wicklow. Prize fulfillment will be managed on behalf of Mastercard® by Big Group Limited. Further details on the prize are contained in the Competition Terms & Conditions, follow link below.

Google Pay™ and Fitbit Pay™

Say hello to Google Pay and Fitbit Pay 

You can now use Google Pay and Fitbit Pay to make contactless payments from your St. Paul’s Debit Card. (Apple Pay will follow early 2021)

Google Pay is a secure and easy-to-use mobile payment service that allows you to use your Android phone to make contactless payments wherever you see the Contactless payment or Google Pay symbols. Download the Google Pay App to you Android phone and add your St. Paul’s Debit Card

Fitbit Pay makes shopping at your favourite places more seamless than ever. You can use it anywhere you see the Contactless payment symbol. Just add your St. Paul’s Debit Card to your Fitbit watch or tracker via the Fitbit App and you’re ready to go

Get College Ready

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)

Features & Benefits

  • Easy to sign up
  • Same friendly service
  • Globally accepted Mastercard® Debit Card
  • Use in-store, online or at ATMs
  • Cashback available at participating retailers
  • Contactless payment
  • Pay with Google Pay & Fitbit Pay
  • Transparent Fees
  • No surcharge interest on overdrafts
  • Automate regular payments using Standing Orders & Direct Debits
  • Stay in control with our Mobile App, eStatements and eFee Advices
  • Secure online shopping
  • 24/7 support for lost/stolen debit cards

How to sign-up?

The current account service is available to members of St. Paul’s Garda Credit Union.

Find out more about becoming a member of St. Paul’s here.

Apply Online

(Single Accounts only) Log into cuOnline 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 via cuOnline we recommend that you register for online access now. When you have received your online access Username, PIN and Password you can apply for the Current Account and Debit Card and view and manage all your St. Paul’s balances online.

Joint Accounts

If you wish to apply for the St. Paul’s Current Account and Mastercard Debit Card on your St. Paul’s Joint Account, download complete and return the Current Account Application Form.

Current Account Terms & Conditions and Schedule of Fees and Charges are also available to download.


All you need to know about Current Accounts from St. Paul’s



Our current account fees are transparent and competitive.



Do you need an Overdraft for those unexpected expenses?


Foreign Currency

Foreign exchange conversion rates and the fees and charges

Currency Conversion Calculator