Accesscu Standing Orders

How Standing Orders Work at Accesscu

A standing order is a fixed, repeating transfer paid from your Accesscu account automatically on the date you choose.

You pick the amount, the frequency (weekly, monthly, quarterly or annually) and the end date. Until you amend it, the payment repeats without you doing anything.

Standing orders are processed at 08:00 Dublin time on the date they are due, and run on SEPA rails, so euro-zone recipients receive the funds the same business day.

If a payment is due on a bank holiday, it runs on the previous business day so recipients are never left waiting.

Setting Up a Standing Order

Create a standing order in about 60 seconds from the Accesscu app or online portal.

Log in to access credit union online banking, pick the account, choose 'Standing Orders', then 'New'. Add the payee's IBAN, the amount, the frequency and a start date — the end date is optional.

Members who set the end date automatically avoid paying after a contract finishes (for example, a lease of 12 months).

1. Open the payment menu

   In the app tap 'Payments', then 'Standing Orders'.

2. Add the payee

   Enter the IBAN or choose an existing payee from your saved list.

3. Set the amount and frequency

   Choose weekly, monthly, quarterly or annual, and a start date.

4. Set an end date (optional)

   Recommended for rent contracts so the order stops automatically.

5. Confirm

   Review and confirm — the order is active instantly and costs €0.

Standing Orders vs Bill Pay

Standing orders are fixed amounts you set once; bill pay reads the actual amount from the biller.

Use a standing order when the amount never changes — rent, mortgage repayments, a fixed monthly saving. Use bill pay when the supplier bills a variable amount, like electricity or phone.

Both are free and both run automatically. The simple rule: fixed figure to a person or organisation = standing order; variable figure to a biller = bill pay.

• Rent and mortgage: standing order
• Regular savings pot: standing order
• Electricity and phone: bill pay
• Subscriptions (fixed): standing order

Managing and Amending Orders

Amend, pause or cancel a standing order instantly in the app with no fee and no notice period.

Changes apply from the next scheduled date. If a payment is due today and you amend it before 08:00, the amendment applies to today's payment; after that, the next one.

You will receive a notification 2 days before a payment so you can top up the account if needed. If the account is short on funds, the payment is retried once the next business day, then cancelled with a notification.