All you need to know about Current Account is available here https://currentaccount.ie/

You can read a full copy of the Terms & Conditions here.

You can read a full copy of the Privacy Policy here.

As you would expect from your credit union, Current Account has 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 standing orders and direct debit processing and up to five Euro ATM withdrawals per month. Full details of fees and charges are available here.

The list of Terms and Conditions for using Digital Wallets can be found here.

If you prefer to submit a physical application you can view & download a Current Application form here.

Completed forms should be returned to:

North Midlands Credit Union
St. Colman’s House
Oliver Plunkett Street
Mullingar
Co. Westmeath

Currency Conversion Calculator

When you use your Debit Card for purchases in foreign currency or ATM withdrawals in foreign currency, these transaction will attract additional fees and charges that are charged to your Current Account as they occur, typically on the date the transaction is posted to your Current Account.

Mastercard foreign exchange rates will also apply and are subject to change.

This currency conversion calculator allows you to see the foreign exchange rates set by Mastercard to convert from the transaction currency as well as the European Central Bank's euro foreign exchange reference rates for the EEA country currencies and the fees and charges that apply.

Check out our Currency Conversion Calculator.

With Card payments being one of the safest and most convenient ways to pay for goods and services many stores do not even touch your card and get you to enter it in to the payment terminal yourself since the introduction of Chip & PIN. There are always situations where this is not the case and it is important that at a minimum you always keep the card within your sight.

Your Debit Card details can be used fraudulently even when the card itself is safely in your care, so it is vital to check your statements regularly. If you identify purchases that you didn’t make, you must report them immediately to your Credit Union or Credit Union Card Services team on +353 (1) 693 3333 available 24/7.

Your Debit Card details can be used fraudulently even when the card itself is safely in your care, so it is vital to check your current account statements regularly. Click here for a list of handy guidelines.

Check out our Fraud Awareness Brochure.

View & download the Current Account brochure here.

Current Account, from your trusted credit union 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 Current Account, from your credit union, 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.

You can open an Account in your sole name or in joint names with another person if you are resident in the Republic of Ireland and you're aged 16 years or over.

If you are a registered cuOnline+ user, you can apply directly through your cuOnline+ account for your Current Account and Debit Card.

If you are registered for cuOnline+ access, you can open a Current Account in your sole name online. Simply log in here to open your Current Account.

If you are not registered for cuOnline+ or you wish to open a joint account, you will both need to drop into any of our branches.

To open your Current Account either online or in branch, you will require one proof of identity and one proof of address.

Acceptable Proof of Identity:

• Current valid signed passport/passport 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). Mobile bills are NOT acceptable proof of address.
• 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.

A joint account can be opened but not online. Both parties to the account must call into any of our branches with their proof of identity and proof of address to complete the application.

Once your Current Account is opened you will receive a welcome letter 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 cuOnline+ access your  new Current Account is immediately available to view and use online or on our NMCU app. If you are not already registered for online access, you can register online or visit any of our branches.

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  for a fee of €2.50 per statement.

Yes you can transfer your account to North Midlands Credit Union, check out the Current Account Transfer Guide.

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.

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

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.

Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:

1. Duplicated transaction
2. Goods not received
3. Cancelled subscription not actioned
4. Received goods not as described
5. Refund not processed after 30 days
6. Transaction not recognised
7. Free Trials
8. 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.

In the first instance, you should contact the Retailer and request a refund. If the Retailer refuses to refund your money and you paid using your debit card, you should contact your Credit Union who may initiate a dispute with the Retailer to reverse the transaction. This is called a “Chargeback”.

Members must complete and return a ‘Disputed Transaction’ form along with copies of any:

• Detailed cover letter advising the nature of the dispute
• Proof of purchase
• Evidence of the transaction
• Interactions with the company (emails/letters)

To be returned to their Credit Union to complete a ‘chargeback’ request.

You can order a replacement card by calling us at +353 (44) 9348817 or Credit Union Card Services on +353 (1) 6933333. The Credit Union Card Services 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 order you a replacement card which will be issued within 7-10 working days.

You can receive your PIN by SMS by following the instructions on your Debit card mailer or by calling Credit Union Card Services on +353 (1) 6933333.

You can receive your PIN through the Post by calling Credit Union Card Services on +353 (1) 6933333 or contacting your local Credit Union.

(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).

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.

Yes. You can obtain cashback up to €100.00 when making purchases at participating retailers.

You can also withdraw up to a maximum of €700.00 per day at ATMs located through the country and abroad. (Withdrawal limits at ATMs vary).

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 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.