Accesscu Digital Wallet

Supported Wallets

Accesscu supports Apple Pay on iPhone, iPad and Apple Watch, Google Pay on Android and Wear OS, and Fitbit Pay on Fitbit devices — all free to use.

All three wallets pull the same card from the same app, so there is nothing to configure per provider and no separate registration per wallet. One token per device keeps every tap traceable to the right phone or watch.

Business cards from Accesscu business checking (€8.50 per month) work in the same wallets with the same limits, if your company card is an Accesscu card.

Add a Card in 30 Seconds

Open the Accesscu app, tap the card, then Add to Wallet and confirm on the device prompt — your card is provisioned in about 30 seconds.

No support calls and no waiting for activation texts. The provisioning flow runs on the secure element of your device, and the card appears in the wallet the moment you confirm — the average across 2024 was 31 seconds, including the PIN prompt.

If a card is replaced, re-add the new one from scratch in the same 30-second flow; the old token is revoked automatically when the plastic is reissued.

1. Open the app

   Log in to the Accesscu app and select the card you want to add.

2. Tap Wallet

   Choose Add to Wallet, then pick Apple Pay, Google Pay or Fitbit Pay.

3. Confirm

   Verify with Face ID, fingerprint or your device PIN on the wallet prompt.

4. Pay

   The card is ready to tap in about 30 seconds — in store, online or on a watch.

Security: How Tokenisation Works

Each card in a wallet gets a device-specific token — a unique replacement number — so your real card number never reaches the merchant or the wallet provider.

When you add a card, Accesscu issues a token to the secure element of your device. Every payment uses that token plus a per-transaction cryptogram, and neither the merchant nor Apple, Google or Fitbit can reconstruct the card number from it.

Payments are confirmed by biometrics or the device PIN, the token lives only on the device, and a lost phone doesn't mean a lost card: freeze or reissue the token from the Accesscu app in a couple of taps. If you spot a disputed token payment, the 24/7 team on +353 1 555 0123 carries the wallet-specific reference to the card network.

• A unique token per device replaces the card number
• Face ID, fingerprint or device PIN confirms every payment
• Merchants receive the token and a one-time cryptogram, never the PAN
• Lost phone? Freeze the token instantly; the physical card keeps working

Limits by Wallet

Contactless payments in store are capped at €50 per transaction, and each wallet can spend up to €500 online per day — larger amounts need the physical card.

Limits apply per wallet, so Apple Pay and Google Pay on different phones each carry their own €500 daily online allowance, while contactless is €50 per transaction no matter the device.

For bigger spend, the physical card works exactly as always — chip and PIN in store, full card limits online. Wallet limits never lower the card's own limits; they only add a ceiling on token payments.

Cards, Costs and Availability

Every Accesscu debit card — free with €0 personal checking — and every Accesscu credit card is wallet-ready in euro at no extra charge.

Wallet provisioning costs nothing: no activation fee, no monthly wallet fee, no per-transaction fee from Accesscu. The only change is how you tap.

Wallets are supported across Ireland on iOS and Android, and the Accesscu app runs on the platform that logged 99.9% uptime in 2024. Cards older than 3 years or held outside Irish accounts stay on the physical card — a small verification step and you're in.

• Works with all Accesscu debit and credit cards
• Debit cards on personal checking at €0 per month qualify
• Business debit and credit cards supported too
• No activation fee, no wallet fee, no per-transaction fee

Digital Wallet Questions

Which wallets, security, limits and supported cards are the four topics behind most wallet enquiries — the answers are below.

Anything else — a card that won't provision, a suspicious token payment or a replaced phone — is handled by the 24/7 team on +353 1 555 0123 or support@accesscu-cmo.com.