Accesscu Compare Accounts

Side-by-Side Account Comparison

Personal checking is €0 per month, business checking is €8.50, savings earn 1.0%–2.5% AER, and loans start at 3.2% APR — the table below shows each side by side.

Everything below comes from the Accesscu published rate card, updated on the first business day of each month, so the fees and rates you compare here are the ones you'll actually be charged.

Personal checking covers salaries and everyday spending; savings hold surplus cash; business checking exists for companies, sole traders and anyone invoicing for a living; loans are drawn only against assets you need.

When Each Account Fits

Your wages and spending live in personal checking, surplus goes to savings, invoicing needs business checking, and big purchases belong on a loan — not on a card.

A single person needs two: a free checking account for day-to-day money and a savings account for surplus. The moment you invoice clients, pay subcontractors or run staff, you need business checking — that is the point where personal and business money must not mix.

Loans come last, and only when the asset matters: a mortgage for a home you'll keep, an auto loan for a car you need, equipment finance for machines that make money. There is no Accesscu product that lends for spending money, and maxing a personal line for a holiday is the one comparison we'd advise against every time.

• Personal checking — salaries, rent, groceries, direct debits; costs nothing
• Savings — the bucket your surplus sweeps into monthly, 1.0%–2.5% AER
• Business checking — invoicing, staff and card spend; €8.50 all-in
• Loans — only for assets: mortgage, auto or equipment finance

Monthly Cost vs Typical Banks

Typical retail bank checking runs €6–€12 per month, while Accesscu checking is €0 for personal and €8.50 for business — with no transaction or card fees on top.

The typical €6–€12 monthly cost is the account fee alone. Transaction charges, card replacement and overdraft fees usually sit on top, so the real banking cost for a busy account is higher than the headline.

Accesscu's business checking fee is all-in: no per-transaction charge, no card fees, no statement fee, and cash management, virtual cards and the 3% AER sweep on idle cash are included. Personal checking is simply €0 — a price worth comparing before your next annual review.

Minimum Deposits and Joining

Open personal checking or savings with a €10 initial deposit and business checking with €100 — with no ongoing minimum balance to maintain.

Accesscu, founded 2015 in Dublin, is a credit union regulated by the Central Bank of Ireland, and membership is free: no joining fee, no share requirements, no annual membership charge. Deposits are insured to €100,000 through the Irish DGS.

Opening an account takes about 15 minutes online with photo ID, and the account is verified for mobile and card use immediately after.

• €10 — personal checking or savings minimum initial deposit
• €100 — business checking minimum initial deposit
• €0 — cost to join, no annual membership fee
• 15 minutes — typical opening time with photo ID

Switching to Accesscu

The in-app switching wizard moves your direct debits and standing orders within 7 working days and reroutes salary and client payments to your new IBAN.

Accesscu switches the accounts you tell us about — wages, bills and incoming client payments — and confirms each instruction before your old account closes. Nothing is left behind and no double charges can land after you switch.

Keep the old account open until the final confirmation is issued; most members run both for two to three weeks, then close the old account at no charge.

1. Open your account

   Apply online with photo ID in about 15 minutes — from €10 personal or €100 business.

2. List your instructions

   In the switching wizard, add every direct debit and standing order once.

3. Redirect income

   Send employers and clients your Accesscu IBAN; they confirm the change.

4. Close the old account

   We confirm everything has moved before you close — nothing left behind.

Account Comparison Questions

Which account, minimum deposits, switching and joining are the four topics behind most comparison enquiries — answered below.

Still unsure which account fits? Call +353 1 555 0123 and we'll walk through your situation in one call, or compare hours on this page against invoices from your current provider.