Current Account

Current account, provided by Link Credit Union Ltd, gives you a real choice for your day-to-day financial needs

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

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

• Same friendly service
• Globally accepted Mastercard® Debit Card
• Use in-store, online or at ATMs
• Cashback available at participating retailers
• Contactless payments
• 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 Advice
• Secure online shopping
• 24/7 support for lost/stolen debit card

A low monthly fee of €4 per month includes:

• Unlimited euro point of sale and contactless transactions
• Unlimited mobile and online banking
• Unlimited standing order and direct debit processing
• No charges for lodgements or in-branch transactions
• Up to 5 ATM withdrawals per month (thereafter a per transaction fee applies)
• Free eStatements every quarter

In order for you to receive a Current Account, debit card or overdraft, you must be a member 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. Terms and conditions apply. You can download the parental consent form here.

Overdrafts are available to Current Account holders aged 18 years or older. Lending criteria, terms and conditions apply. Ask a staff member for more details today.

The Debit Card is issued by Transact Payments Limited pursuant to licence by Mastercard® International.

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 foregin 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.

Click here to access the currency conversion calculator

SHOPPING ONLINE IS CHANGING FROM 1^ST JANUARY 2021.

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 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.

You can update your mobile number by contacting your Credit Union.

To find out more please click here