Current Account

Current Account, provided by St. Dominic Credit Union, gives you a real choice for your day-to-day financial needs.

With instant access to your money through a Mastercard® Debit Card, a secure app and online portal, and mobile functionality, you can pay your bills, withdraw cash and pay at point of sale, anywhere in the world.

Current Account is a full service current account, brought to you by your credit union. It’s more local, more trustworthy, and has our commitment to a sensible approach to money. With low and transparent fees, it’s more of what you would expect from your local credit union.

  • Globally accepted Mastercard Debit Card
  • Use in-store, online or at ATMs
  • Cashback available at participating retailers
  • Contactless payments
  • Transparent Fees
  • Overdraft for unexpected expenses
  • 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

Shopping online is changing from 1st January 2021

These changes mean better protection for you and will make shopping online even more secure. You will now need to carry out an additional security step by using a one-time passcode which you will receive by text.

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

To find out more click here


We are excited to announce the Current Account Debit Mastercard can now be added to Google Pay and Fitbit Pay digital wallets

SDCU members can tap away in the knowledge that Contactless payments are free! The use of digital wallet payments provides a safer more secure way to pay that removes the need to handle payment cards, touch physical buttons or exchange cash.

To set-up Google Pay and/or Fitbit Pay, just download the app, enter your Debit Card details by scanning the card or entering the details manually, and submit a One Time Passcode. Use wherever Contactless payments are accepted. You simply hold your mobile phone and/or Fitbit device near a payment terminal to make a Contactless payment.

For more information on:

Google Pay click here

Fitbit Pay click here


To own your Current Account just log into your CUOnline and apply today or alternatively drop into our office during our opening hours 6 days a week

Current Account Schedule of Fees and Charges

Current Account and Debit Card Terms and Conditions.

Introducing Current Account Brochure.

Want to know more about Current Account? Click here

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, to find out more just click here to view the Currency Conversion Calculator

Important Information
In order for you to receive a Current Account, debit card or overdraft, you must be one of our members and resident in the Republic of Ireland. If you are 16 or 17 years of age, we require the consent of your parent or guardian for you to open an account.



An overdraft is a short-term way to borrow money on your current account and can help in months where things get a little tight e.g. if you receive a higher than expected bill and need a bit longer to repay it.

You can apply for an overdraft on your Current Account from €200.00 up to a maximum of €5,000.00

The interest rate is 12% pa variable. Interest is only charged on overdrawn balances. Your credit union does not currently apply surcharge interest (surcharge interest is charged by some Financial Institutions on unauthorised overdrawn balances).

An overdraft fee of €25.00 is charged on approval and on each anniversary of the overdraft approval date.

Overdrafts are subject to financial status and are not available to persons under 18 years of age.

Terms and conditions apply:

Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. An overdraft facility fee of €25 per annum or per overdraft sanction, whichever is the more frequent will be applied.

Lending criteria, terms and conditions apply.

Lost or Stolen Debit Card

Report your Current Account Debit Card lost or stolen by calling the ‘Credit Union Card Services’ Team who are also available for fraud support 24/7
+353 (1) 693 3333