Accesscu Pricing — Every Fee, Published in Full

The Full Public Pricing Schedule

This is the complete Accesscu fee schedule: €0 personal checking, €8.50 business checking, €2 paper statements, €1.50 wires, and €0 for ATMs, savings and term deposits.

Accesscu publishes every fee in one table and updates it on the first business day of each month. No separate charges appear because every item that could cost money is listed here.

Also included: account opening and closing are free on both personal and business products, as is first card delivery, and no product charges a setup or monthly admin fee unless shown below.

Value vs Typical Banks (€6–€12 a Month)

Typical personal account fees of €6–€12 per month compare badly with Accesscu's €0 personal checking, a direct saving of €72–€144 a year before any other charge.

The comparison below sets Accesscu's published prices against what comparison sites commonly report as typical bank fees for the same line items. The differences matter most for monthly account fee, wire and ATM usage.

For a business member, the full €8.50 monthly fee is still typically lower than comparable business packages, and no per-card or per-login charges apply.

What Is Always Free

Opening an account, personal checking, savings, term deposits, ATM withdrawals on the Accesscu network and the app or online banking — all free of charge.

"Always free" has no fine print: these items never carry a fee, no matter the balance, term or method used.

If a fee ever becomes possible, the app marks it in plain language at the point of the action, before you confirm anything.

• Opening and closing an account — no fee in either direction.
• Personal checking — €0 maintenance, no minimum balance requirement.
• Savings and term deposits — free to open, run and redeem at maturity.
• ATM withdrawals across the Accesscu network — free.
• App, online banking, alerts and e-statements — free.

The No Hidden Charges Policy

There are no hidden charges: the schedule above is complete, published monthly, and any fee change is announced in the app before it takes effect.

The policy is simple: what you see is what you pay. Fee changes are emailed and pushed in the app with at least 30 days of notice, and a historical version of the fee schedule stays on the <a href="fees.html">fee schedule page</a>.

When in doubt on any line item, the support team on +353 1 555 0123 confirms the fee in under a minute — there is no row with a vague "may apply" anywhere on the price list.

• No monthly maintenance or minimum balance fee on personal checking.
• No application or document fees on consumer loans — auto loan applications included.
• No statement fee if you take e-statements; paper only at €2 each.
• No fee for declining a payment that could not be made.
• Any new charge is announced at least 30 days before it takes effect.

Do Savings and Loan Rates Vary?

Fees are fixed; rates vary by product: savings pay 1.0% to 2.5% AER by balance tier, and lending rates are set at application, from 4.9% APR on auto loans.

The rates side is updated monthly and reviewed by the rate committee. Savings tiers are 1.0% AER up to €2,500, 1.5% up to €10,000 and 2.5% AER above €10,000; 12-month term deposits currently pay 3.1% AER.

Lending: auto loans start at 4.9% APR and mortgages from 3.2% APR (20-year fixed, 20% deposit). Rate changes never touch an existing fixed loan — see <a href="rates.html">the rate card</a> for the full list.