Accesscu Debit Card

Accesscu Debit Card Overview

The Accesscu debit card is a Visa card on every checking account with contactless payments, mobile wallet support and a €800 daily cash withdrawal cap.

The card is issued in the member's name at account opening, and a replacement for a damaged or lost card is free and dispatched within 24 hours to any Irish address.

It carries the same €0 monthly fee as the personal checking account it sits on, so there is no card fee of any kind — the fee card covering the card is the same published one at <a href="fees.html">fees.html</a>.

All limits below are defaults you can lower by yourself at any time, though raising them above the standard cap requires a quick call to our 24/7 team.

Contactless Limits and Mobile Wallets

Contactless payments go up to €50 per transaction without a PIN, and the card works with Apple Pay and Google Pay.

Above the €50 contactless ceiling the terminal asks for your PIN exactly as the chip-and-PIN standard specifies, so there is no way to exceed the limit at a terminal either.

Apple Pay and Google Pay are supported on the same €50-per-transaction contactless policy, meaning a tap of your watch or phone costs you nothing in fees and runs against the same daily limit.

Wallet and contactless transactions are tokenised: the merchant only ever sees a one-time device number, never your real card number, which cuts shoulder-surfing and skim risk in practice.

• Apple Pay and Google Pay supported from day one
• €50 contactless cap per transaction; PIN required above it
• Wallet transactions tokenised — real card number never shared
• No fee per tap, no fee per wallet payment, no fees of any kind
• Turn contactless off entirely from the app in one tap

Freeze Your Card and Get a Free Replacement

A misplaced Accesscu card can be frozen in seconds from the app, and a lost or damaged card is replaced free with a new card in your hands within 24 hours.

Freeze is genuinely instant: the next contactless tap or purchase on that card is declined at the terminal network, not merely rejected in a batch later in the day.

Unfreeze is just as quick, so a card that turns up under the car seat costs nothing. A truly lost card gets a permanent block and a replacement printed and dispatched within 24 hours at €0, free — the single fee on the whole card process.

Every freeze, unfreeze and replacement event raises a push notification on the account, so a card you never touched can be spotted on a phone you did.

1. Freeze in the app

   Tap Cards, select your debit card and press Freeze; the decline happens immediately at the terminal network.

2. Search — or confirm the loss

   Most cards reappear within a day; if not, tap Freeze again to switch to Replace.

3. Order the replacement

   The same screen requests a replacement at no cost, available within 24 hours at any Irish address you choose.

4. Use your wallet meanwhile

   Wallets keep working through the freeze and between replacements, and other cards on the account are unaffected.

Cash Withdrawals and Limits

The Accesscu debit card allows up to €800 in cash per day at in-network ATMs with no Accesscu fee, and the limit can be lowered instantaneously from the app.

The €800 daily cap covers ATM withdrawals across all machines in the network; it resets each calendar day at midnight, so a short trip to the ATM twice is still bounded by the same €800 ceiling, not double it.

Withdrawals are free at in-network machines and the fee schedule has no ATM line at all — out-of-network operators may add their own surcharge, which Accesscu does not pass on.

If you need more than €800 on one exceptional day, the call centre can raise the cap temporarily after verifying your identity, and the counter side at our Dublin branch handles larger cash needs in person.

• €800 maximum cash withdrawal per day
• Cap resets at midnight, calendar day
• €0 fee at every in-network ATM
• Lower the cap to any value in the app instantly
• Temporary one-day increases by calling +353 1 555 0123

Frequently Asked Questions About the Debit Card

Most debit card questions at Accesscu involve replacement, contactless limits and freeze behaviour, and five answers cover the lot.

If your question is about fees or what a charge for a pocket appears, the exhaustive published list is on <a href="fees.html">the fees page</a>; otherwise the card team answers 24/7 on +353 1 555 0123.