Accesscu Membership

Who Can Join Accesscu

Anyone who is an EU/EEA resident aged 18 or older can join; all steps run online, from identity verification to first card request.

Accesscu is a credit union regulated by the Central Bank of Ireland, founded in 2015 with 250,000+ members and €1.2 billion in deposits. Membership needs no employer link, address in Ireland or referral — residence in an EU/EEA state is the only geographic requirement.

The same online flow serves members in Dublin, in Galway and across the EU: identity is verified digitally, so there is no need to visit a branch or post documents.

• Aged 18 or over.
• Resident of the EU or EEA — including Ireland, the EU member states, Norway, Iceland and Liechtenstein.
• Photo ID: passport, national identity card or driving licence.
• Proof of address in your country of residence — a utility bill or bank statement works.

How to Join: 5 Steps, About 8 Minutes

Join in about eight minutes: start the online form, verify your identity, buy your €1 share, activate the account, then set up the app and card.

The application is a single online form that saves as you go, so you can pause and finish it later without losing progress. There is no paperwork to print and no branch visit at any point.

Most first-timers finish verification in the same short session and have their account open the same business day, with the card ordered during activation.

1. Start the application

   Open open-account.html, select Personal membership and fill in the form — it saves automatically between screens.

2. Verify your identity

   Upload your photo ID and take the quick selfie check inside the app; most checks pass within minutes.

3. Buy your €1 share

   The one-time €1 share makes you a member-owner of Accesscu — paid by instant transfer or card.

4. Activate the account

   Set your app PIN, switch on two-factor login and choose e-statements — the default, at no cost.

5. Set up for the future

   Order the free debit card, link the savings pot and switch on round-ups and budgets from the Home screen.

Member Benefits

Members get €0 personal checking, tiered savings of 1.0% to 2.5% AER, loans from 4.9% APR, €100,000 DGS deposit protection and a vote in the AGM.

Unlike consumer fees, member benefits go beyond the account: rates are set by the credit union's board, and every member has a vote on how the co-operative is run, including allocations to the community fund.

The table lists the headline figures; the current full list of published rates sits on the rates page.

The Community Fund

The community fund rounds up a share of surplus each year into grants for clubs and causes nominated and voted on by members.

Every member can nominate a local cause, and the fund's annual grant pool is divided among winners picked by member vote. Since the fund began it has supported hundreds of small local projects — sports clubs, schools, community groups — chosen by the members themselves.

Nominations open in the app each autumn, and members vote at the same place they renew their share.

• Member nominations open in the app each autumn.
• Voting runs through the member app, one vote per member.
• Grants are paid directly to the nominated community groups.
• Your €1 share in no way limits eligibility — every member may nominate and vote.

Managing or Cancelling Your Membership

You can cancel any time: close the account, transfer your balance to a nominated account in EUR, and redeem your €1 share — the closure is free.

Membership is yours to keep or stop. If you move abroad inside the EU/EEA, membership simply continues; if you want to shut the account, the whole process takes a single app request or one call to +353 1 555 0123.

There is no cancellation fee, no cooling-off penalty and no lock-in term on membership. If you do leave and later return, the account can be reopened under the same 8-minute flow.

• Close the account in the app or a call to +353 1 555 0123.
• Balance transfers out to any account you nominate in EUR, free of charge.
• The €1 share is redeemed together with the closing balance.
• Membership stays valid across EU/EEA moves and at any age after 18.