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Killarney Credit Union

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064 KillarneyCU6631344

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 Green Home Initiatives Roadshow

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CU Greener Homes
 
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Irish Life
 
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Killarney Credit Union

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Killarney Credit Union

Loan Types

From Home Improvements and Cars to Business Loans and Weddings, we have the perfect loan for you.

Our services

From a range of attractive loan facilities, great saving options and other services including financial advice, foreign exchange and more - here at Killarney Credit Union we are ready to serve you.  

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Online Banking Login

Manage your Credit Union Accounts Online. View your accounts, transfer funds, pay bills and much more.

 

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Current Account

Current Account

FAQ

Opening a Current Account

What is Current Account?

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.

Who can apply for a Current Account?

Once you are a member of a participating credit union* and are over 16 years of age, you are eligible to apply for a current account.

* Credit unions all around the country are introducing the current account service for their members. To find a credit union offering Current Account, click here.

How do I open a Current Account?

If you are registered online with your credit union, you can open a Current Account in your sole name online. Simply click here and we'll help you to open your Current Account

If you are not registered online or wish to open a joint account, you will both need to drop into your credit union office.

What documentation do I need to open a Current Account?

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

Acceptable Proof of Identity:

  • Current valid signed passport/passport card
  • National EU Identity 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)
  • 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

Can I open a joint account?

A joint account can be opened but not online. Both parties to the account must call into your credit union office with their proof of identity and proof of address to sign the application form.

How do I start using my account?

Once your Current Account is opened you will receive a welcome letter from your credit union 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 online access your Current Account is immediately available to view and use online or on the mobile app. If you are not already registered for online access, you can register or visit your local Credit Union.

Online Current Account

How do I register online with my credit union?

Credit union members can register online with their credit union on their website or by dropping into their credit union office.

Credit union office – If you are visiting your credit union office, you can register online and open your Current Account at the same time.

Website – If you register online on the website, you will be able to open your Current Account online once you receive your online Personal Identification Number (PIN). This will arrive by post within a few days of registering.

Online users can also download the Mobile App for free.

Will I be able to view my Current Account online?

Yes, once you are registered online you can:

  • View your balance & account transactions
  • Transfer money within your CU or externally (SEPA)
  • Manage Standing Orders & Direct Debits
  • Download eStatements and recent transaction reports

You will also be able to view and make quick account transfers using the Mobile App.

Using Your Current Account

How to change your home address for your Current Account?

To change your home address, you will need to provide us with proof of your new address by email, online banking via document upload, post or by calling into your credit union office.

Acceptable Proof of Address*:

  • Bank/Credit Card statement (paper/e-format)
  • Household Utility Bill (paper/e-format)
  • 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

How will I get my statements?

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 more frequently for a fee of €2.50 per statement.

Using your Debit Card

How many debit cards can I have on my current account?

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.

How many PIN tries do I have when using my card at an ATM or to make a purchase?

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

What do I do if my card is lost or stolen?

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.

How can I request a refund on my Debit Card?

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

A disputed transaction request initiates a 'chargeback' which alerts a request to the merchant to reverse the transaction on a Debit Card.

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.

What happens if my debit card is damaged?

You can order a new card by calling Credit Union Card Services on 01 693 3333 (Our rl-accordioner 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).

We will cancel your existing card and a new card will be issued to you within 7-10 working days.

Can I change my card PIN?

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.

Can I get cash using my card?

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).

Can I use my card abroad?

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.

Can I use my card for shopping online?

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.

Fees

What fees apply to Current Account?

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.

Will I be advised what fees I am charged?

Yes. Account fees are calculated quarterly for quarters ending 31st March, 30th June, 30th September and 31st December. A fee notification will issue along with your quarterly statement, prior to fees being charged to your account. Fees are charged to members accounts on the 28th of April, July, October and December or where the 28th is not a business day, the next business day.

Full details of all applicable Fees & Charges are available in your CU office and on the website

Personal Overdraft

What is a personal overdraft?

An overdraft is a short-term way to borrow 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 pay. Once your overdraft is sanctioned, the money is available to you through your Current Account.

Who can apply for an overdraft?

Credit union members over 18 years of age can apply for an overdraft. To avail of this facility you will need to have or open a Current Account.

How do I apply for an overdraft?

You can apply for an overdraft online or at your credit union office. We will normally request you to provide payslips, bank statements, credit card statements and proof of rent payments (if applicable) for the last three months in support of your overdraft application.

How much can I borrow?

You can apply for an overdraft up to an amount equal to your monthly income, within the range of €200.00 up to €5000.00. Overdrafts are subject to normal lending criteria terms & conditions.

What term is an overdraft for?

Overdrafts are normally sanctioned for a period of 12 months. If you use your account within the overdraft limit we agree with you, then we may automatically renew it when the term comes to an end.

How much will an overdraft cost?

An overdraft facility fee of €25.00 per annum or per overdraft sanction, whichever is the more frequent, applies.

The interest rate is a flat rate of 12% per annum. Interest is only charged on overdrawn balances. Your credit union does not apply surcharge interest.

About Us

Your local credit union

Killarney Credit Union is a local, not for profit financial institution. We specialise in providing a safe place for savings and loans in our community. Established in July 1970, Killarney Credit Union is proud of its heritage and continues to be governed by our members and voluntary Board of Directors.

Membership of Killarney Credit Union stands at over 33,000 members and we currently employ 33 staff (full time/part time) in our branches offices in Killarney, Kenmare and Cahersiveen.

A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. We offer members the chance to have control over their own finances by making their own savings work for them. Killarney Credit Union is owned by the members - the people who save and borrow with it - people like you.

We are affiliated to the Irish League of Credit Unions. We are goverened by the Central Bank of Ireland.

  

Local people serving local people

At Killarney Credit Union we take great pride in our local staff who offer the very best in friendly, local customer service.

Click here to learn more about our local team.

 

Not a member?  Not a problem!

If you are not already a member of Killarney Credit Union why not join today?  Our members enjoy many benefits including great rates, flexible loans and of course, friendly local service.

Learn more about becoming a member

About Current Account

Finally, a real choice...

Current Account, provided by Killarney 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. Avail of great deals through the Mastercard Priceless website. Special offers for credit union members. 

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.

 

ATM Card

A Debit Mastercard® accompanies the current account. The card will be sent to you by post, followed by a PIN by post a few days later. This Debit Mastercard® is linked to your new Current Account only and not to your existing Shares (Savings) or 98 Account. In the case of joint accounts, two debit cards can be issued on the one joint account.

 

CU Online Banking/Mobile App

We also ask you to apply for Online Banking on our website www.killarneycu.ie this will help you keep track of your transactions online, allowing you to transfer money into and out of your accounts. You can sign up for estatements, view transactions and set up payees and pay bills online. Once you are registered for Online Banking you can download our Mobile App for mobile banking on the go.

 

Current Account Fees and Charges

Fees and charges are payable on current accounts. (please refer to "Schedule of Fees and Charges" document available to download further down this page). Members aged 66 years and over and full-time students aged 12 years to 25 years inclusive are eligible to free banking.

 

Currency Conversion Calculator

To comply with the European Commission’s Regulation 518/2019, debit card issuers located in the EEA are required to disclose to their cardholders through an electronic platform the % mark-up between their FX rates, including any issuer related fees, and the exchange rate published by the European Central Bank (ECB) for the same currency pair. This Currency Conversion Calculator is https://currentaccount.ie/currency-conversion/.

 

 

Points to Note

  • Current Account can be opened for an individual or joint accounts (two persons) only.
  • Members aged 12-16 inc. can open a Current Account with parental/guardian consent in one of our three branches.
  • Current Accounts to businesses, club and society or group accounts cannot be opened.
  • Your Current Account is not eligible for a dividend.
  • Current Account does not qualify for our insurance cover so only keep sufficient funds for everyday banking, all other funds should remain in your Shares (Savings) Account.
  • Current Account has its own IBAN and BIC which can be used.
  • It has a fully functional debit card with globally accepted Mastercard® Debit Card that can be used at any ATM and Point of Sale including online and contactless payments.
  • You can manage your current account transfer and payments via online banking and mobile app.
  • You can apply for an overdraft facility on your current account of up to €5,000. For those aged 18 or older Lending Terms & Conditions apply.
  • You will need to use your Eircode when completing application form.
  • A valid mobile number is required for account authorisation requests and verification.

 

How to apply

Applying for Current Account couldn't be easier

I'm a member?

I'm registered for online banking:

You can open your Current Account online on the Killarney Credit web site through your online banking system.

 

Go to online banking...

 

I'm not registered for online banking:

You can call into any Killarney Credit Union branch at Beech Road, Kenmare or Cahersiveen and bring the following:

  1. Photographic ID: current driving licence, a current passport or other suitable form of Photographic ID.
  2. Address: Dated in the last 6 months, a utility bill, government letter or bank statement.

 

I'm not a member?

Do you live or work in our Common Bond? *

Bring in the following:

  1. Photographic ID: current driving licence, a current passport or other suitable form of Photographic ID.
  2. Address: dated in the last 6 months, a utility bill, government letter or bank statement.
  3. PPS Number: Proof of P60, P45, Payslip, Medical Card or correspondence from the tax office.

As credit unions are not a specified entity listed under the Social Welfare Consolidation Act 2008 (the 2008 act as amended) we can not accept the Public Services Card.

 

* Our Common Bond

Killarney Credit Union Common Bond

 

Loans at Killarney Credit Union

Loans at Killarney Credit Union

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* Calculator for estimation purpose only and does not constitute a contract. Please see individual loan pages for more details.

Current Accounts at Killarney Credit Union

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Current Accounts at Killarney Credit Union

Irish Life Financial Services

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Irish Life Financial Services

Members Matter Most at Killarney Credit Union

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10 Great Reasons to Join Killarney Credit Union

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 Green Home Initiatives Roadshow

Loans Services Guide

Loan Services Guide

All the information you need in one place

Download our Loan Services Guide - your one-stop guide with information about the loans we offer including repayments, options and what you need to apply.

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Loan Services Guide

CU Easy Pay

CU Easy Pay

Shopping local just got even easier!

CU Easy Pay helps local businesses and customers come together, with a range of payment options to help make shopping and supporting local even easier.

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CU Easy Pay

We love to hear your feedback!

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Loans from Killarney Credit Union

Fast approval

Local Service

Great rates

Flexible repayments

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Loan Types

From Home Improvements and Cars to Business Loans and Weddings, we have the perfect loan for you.

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Green Home Initiatives Roadshow

Don't miss our Green Home Initiatives Roadshow on April 7th at the Gleneagle Hotel! Read more here!

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Latest News

Green Home Initiatives Roadshow

Green Home Initiatives Roadshow: Promoting Sustainability and Environmental Responsibility

Killarney Credit Union is thrilled to announce the launch of their Green Home Initiatives Roadshow, a comprehensive campaign aimed at empowering our local communities with access to information whilst promoting sustainability and environmental responsibility.

The event which will take place on the 7th of April, in The Gleneagle Hotel, 12p.m. – 4p.m, will offer people the opportunity to get information on retrofitting their homes, reducing energy bills and advice on how to improve their homes’ BER ratings. Guidance will also be available on SEAI grants, reducing bills and how to access competitive Green Loan finance from Killarney Credit Union.

The Green Home Initiatives Roadshow event will showcase leading companies providing services such as Solar Panels, Home Heating Solutions, Insulation, Windows & Doors and Thermo Homes. Each of the exhibitors will have personnel on hand to answer your questions and queries. The exhibitors attending the event include Energitec Solar, Pro Solar, The Renewable Energy Centre, Thermohouse, Senator Windows, Quilter Insulation, Kingdom Installation, Energywise Ireland, Gilroys Green Energy, Billgenie.ie, KSEC – Kerry Sustainable Energy Co-Op and Sustainable Energy Communities – SEAI.

"We are excited to host this Green Home Initiatives Roadshow for the communities of South & East Kerry," said Mark Murphy, CEO, Killarney Credit Union. "Our goal is to empower homeowners with the knowledge and resources they need to make environmentally conscious decisions, reduce their carbon footprint and also reducing household bills."

In addition to educating homeowners, the Green Home Initiatives Roadshow aims to inspire action at the community level. By fostering collaboration and sharing best practices, the campaign seeks to create a network of environmentally conscious individuals committed to making a positive impact on the planet.

One of the key strategic objectives of Killarney Credit Union is to put environmental sustainability at the heart of our decision making, be a champion for climate change and embrace green issues in all aspects of our business.

Attendees are encouraged to bring a recent bill from their electricity provider which can be reviewed by the exhibitors when discussing your requirements.

For more information on the event please visit our event page here: killarneycu.ie/roadshow.

Easter Opening Hours 2024

Here you can find the opening hours for Killarney Credit Union during Easter 2024. Please feel free to contact us directly if you have any questions or if we can be of assistance.

 

 

Killarney

Kenmare

Cahersiveen

Monday March 25th

10.00 a.m. - 4.00 p.m.

10.30 a.m. - 3.30 p.m.

10.00 a.m. - 4.00 p.m.

Tuesday March 26th

10.00 a.m. - 4.00 p.m. 10.30 a.m. - 3.30 p.m. 10.00 a.m. - 4.00 p.m.

Wednesday March 27th

10.00 a.m. - 4.00 p.m. CLOSED

10.00 a.m. - 4.00 p.m.

Thursday March 28th

10.00 a.m. - 4.00 p.m. 10.30 a.m. - 3.30 p.m. 10.00 a.m. - 4.00 p.m.

Good Friday 29th

CLOSED

CLOSED

CLOSED

Easter Saturday 30th

CLOSED

CLOSED

CLOSED

Monday April 1st

Bank Holiday

Bank Holiday

Bank Holiday

 

Business as usual from Tuesday 2nd April 2024.

New partnership with Energywise Ireland

 

The Credit Unions of Kerry and West Limerick announce new partnership with Energywise Ireland.

The Credit Unions of Kerry and West Limerick are delighted to announce a new partnership with Energywise Ireland.

Energywise Ireland is a trusted SEAI-registered One Stop Shop that offers a convenient solution for designing, supplying, and installing renewable energy solutions for both the domestic and commercial sectors. The new Credit Union collaboration will inform new Energywise customers of the finance options available from your local Credit Union to help finance any Home Energy upgrade works. Loan rates will be directly linked to the property BER starting from 4.7%(4.89APR) for an “A” rated BER.

John B. O’Halloran; Programme Manager with Energywise Ireland commented; “We are delighted to have this collaboration in place with the Credit Unions of Kerry and West Limerick. Customers are often unsure how to approach finance for Home Energy Upgrades or Retrofits, now with a direct link to local Credit Unions we can refer members directly to gain the specific details they need based on their quotations at very competitive rates.“

Speaking on behalf of the Kerry and West Limerick Credit Unions, Karena McCarthy commented; “This new partnership with Energywise Ireland is a wonderful fit for us.  Credit Union members are often unsure of the grant requirements or the registered contractors available locally for Home Energy Upgrades. Having a direct link with Energywise Ireland allows both sides to make referrals and know they are in safe hands. 2024 will see further growth in Home Energy Upgrades as SEAI work to reach government targets, we in parallel want to ensure our members can avail of the best loan rates.”

You can reach out to your local Credit Unions across Kerry & West Limerick. Abbeyfeale Credit Union, Cara Credit Union, Killarney Credit Union, Listowel Credit Union and Rathmore & District Credit Union. www.creditunion.ie

You can contact Energywise to discuss your Home Energy Upgrades or retrofit requirements by phone 066 4017028, email This email address is being protected from spambots. You need JavaScript enabled to view it. or for more information visit www.energywiseireland.ie.

 

Social Impact Report 2023

Killarney Credit Union is delighted to announce the upcoming launch of our Social Impact Report 2023.

We pride ourselves on being different and we need to highlight and promote what it is, that makes us different. We are a member-owned and not-for-profit organisation. We are uniquely positioned to create social impact by prioritising the well-being of our members and the communities we serve. We care about our members and our community and through this report we hope to share some of the steps Killarney Credit Union takes to contribute to the financial well-being of our members and our community.

Social Impact in Credit Unions refers to the positive effects and contributions that Credit Unions make to our members and community. In general these steps are difficult to measure and would not normally form part of other financial reports but deserve recognition.

We believe the information in this report reflects our contribution to the well-being of our community and these initiatives are embedded in our overall strategy, and going forward, they also form an intrinsic part of our Strategic Plan 2023-2025.

The full Social Impact Report will be available over the coming days on our website.

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