What is the official website of the payment service?
https://creditunionplus.ie/
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Where can I find the customer support contacts?
Customer support contacts are available on the official website under the "Contact Us" section and branch pages.
What is the hotline phone number?
046 902 1395
Is there a toll-free support number?
There is no verified information indicating a toll-free support number; only a standard contact number is provided.
What is the email address for technical support?
Technical support email is not specifically listed; general contact is [email protected] or via online forms.
Are there separate emails for different types of inquiries?
No detailed separate emails for different inquiries are publicly listed; general inquiries use [email protected].
Where can I find the online chat support?
There is no verified information about online chat support availability.
Does the chat support work 24/7?
Not applicable, as no verified online chat support is listed.
Is there support through messengers (Telegram, WhatsApp)?
No verified messenger support (Telegram, WhatsApp) is available.
What are the support working hours?
Phone support is available Monday to Friday 8:30 to 18:00 and Saturday 9:00 to 17:00.
Does support work on weekends and holidays?
Support works on Saturdays, but there is no confirmed weekend or holiday support outside that day.
Are there regional offices for in-person visits?
Yes, multiple regional branch offices are available for in-person visits.
Where are the physical offices located?
Locations include various branches such as Carlow, Rathvilly, Mayo-Doonane, Tullamore, Kilcormac in Ireland.
Can I schedule a personal meeting?
Personal meeting scheduling is generally available by contacting the local branch office.
Are there representatives in different countries?
No information indicates representatives outside Ireland.
In which languages is support available?
Support is primarily available in English.
How quickly does support respond to requests?
Average phone response during business hours is prompt; email response times vary.
Is there a priority system for VIP clients?
No confirmed VIP priority support system is publicly stated.
Can I request a callback?
There is no explicit public information about callback requests.
When was the payment service founded?
Credit unions in Ireland generally trace foundation to the 1960s and 1970s, with individual unions varying.
Who is the founder and owner of the service?
Credit unions are member-owned co-operatives, not owned by a single founder.
In which country is the company registered?
Ireland
What is the development history of the payment service?
Credit Unions evolved as community financial co-operatives to promote thrift and savings among members, expanding payment services to include electronic funds transfers.
Have there been major updates or rebranding?
Recent regulatory updates include compliance with PSD2 and SEPA instant payments implementation effective 2025.
Who sits on the company's board of directors?
Boards typically consist of elected volunteer members from the credit union membership.
Are there investors or partners in the service?
Credit unions are member-funded, not investor-owned; partnerships are with local employers and service providers.
Does the company participate in stock trading?
Credit unions are not publicly traded companies.
What is the company's market capitalization?
Not applicable.
Are there subsidiary companies or branches?
Multiple branch offices exist, but no subsidiaries as credit unions are independent entities.
What licenses does the payment service have?
Licensed and regulated by the Central Bank of Ireland under the Credit Union Act 1997 and subsequent amendments.
In which jurisdictions does the service operate officially?
Ireland
Are there licenses for cryptocurrency operations?
No verified information that credit unions currently hold cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, credit unions comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulatory requirements.
Are there security certificates (PCI DSS, etc.)?
Specific certifications like PCI DSS are not publicly listed; compliance with data protection and financial regulations is maintained.
Has the service undergone security audits?
Regular audits are mandated by regulators; specific audit details are not publicly available.
Is there insurance for client funds?
Member funds are protected through regulatory oversight, and credit unions operate under Central Bank prudential rules.
Which international standards does it comply with?
Compliance includes GDPR for data protection and European Union financial regulations such as PSD2 and SEPA.
Have there been any regulatory fines or violations?
No publicly reported major regulatory fines or violations for Irish credit unions generally.
Where can I find real reviews about the service?
Reviews are often found on local financial forums, Google reviews, and credit union community websites.
What are the main user complaints?
Complaints sometimes relate to slower digital service adoption and limited product range compared to banks.
What do users most often praise the service for?
Friendly customer service, community focus, competitive loan interest rates, and member ownership.
Are there issues with fund withdrawals?
No widespread issues reported; electronic funds transfer services are reliable.
Is the interface convenient according to users?
Interface convenience depends on the credit union; some offer online banking portals, others more basic services.
Are clients satisfied with transaction speed?
Payment processing is typically efficient, with faster SEPA instant payments becoming available in 2025.
Do users recommend this service?
Yes, particularly for community-based financial services and savings benefits.
How do experts assess the service's reliability?
Experts view credit unions as stable co-operative financial institutions with solid regulatory oversight.
Are there industry awards and recognitions?
No prominent industry awards known specifically for credit unions.
Does the service participate in payment system rankings?
Credit unions themselves do not appear in major payment system rankings.
Are there recommendations from financial regulators?
Central Bank of Ireland recommends credit unions as a safe, regulated financial option.
What reputation does the service have among partners?
Generally positive and trusted by employers and community partners.
How do they evaluate solution innovation?
Innovation is moderate; credit unions typically adopt proven technologies suited to member needs.
Are there quality service certificates?
No specific quality certificates publicly listed beyond regulatory compliance.
Does the company participate in industry conferences?
Credit union representatives often participate in financial and co-operative sector events in Ireland.
How does the service position itself in the market?
As community-focused, member-owned co-operative financial institutions offering savings, loans, and payment services.
Which fiat currencies does the service support?
Primarily supports Euro (EUR) as the national currency.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported by credit unions.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists.
Can currencies be converted within the service?
Credit unions generally do not offer currency conversion services.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
No exotic currency handling.
Are there currency restrictions in different countries?
Not applicable due to local Euro-only service.
What types of transfers does the service support?
Supports electronic funds transfers (EFT), SEPA payments, direct debit, standing orders, salary deductions.
Can transfers be made between service users?
Transfers between credit union members within the institution are supported.
Are transfers to bank cards supported?
Transfers to bank accounts supported; direct card transfers not explicitly detailed.
Can money be transferred to bank accounts?
Yes, via electronic funds transfer and SEPA payments.
Is bill payment available?
Yes, bill payment through direct debit or standing order is offered.
Are recurring payments supported?
Recurring payments via standing orders or direct debit are supported.
Can automatic transfers be set up?
Yes, automatic transfers and payroll deductions are available.
Is payment scheduling available?
Payment scheduling is available via standing orders and direct debit instructions.
Are group payments supported?
No explicit information on group payments.
Can payment links be created?
No verified information on payment link features.
What are the minimum transaction amounts in the service?
Specific minimum transaction amounts vary by credit union; generally low or none for basic transfers.
What are the maximum amounts that can be transferred?
A daily online credit transfer limit of €20,000 is typical for SEPA payments; larger transfers require branch processing.
Are there daily limits on operations?
Yes, daily limits such as €20,000 for online transfers are applied.
What monthly and annual limits are in effect?
Limits depend on each credit union’s policies and regulatory requirements.
Can limits be increased? How?
Limits may be increased by contacting the credit union and fulfilling additional verification procedures.
Do limits differ for verified users?
Verified users generally have higher transaction limits.
Are there restrictions for new accounts?
New accounts may have initial restrictions until verification is complete.
Do special limits apply in different countries?
Primarily operating in Ireland, geographic variations are limited.
Can operations be temporarily blocked?
Yes, for security or compliance reasons, accounts or operations may be temporarily blocked.
Are there limits on the number of daily operations?
Typically no strict public limit, but operational risk management may impose practical limits.
What are the minimum amounts for account funding?
Minimum funding amounts vary; generally low minimum deposits.
What methods of funding are supported?
Funding via bank transfer, salary deductions, direct debit, standing orders, and cash deposits at branches are supported.
Are there fees for funding?
No account charges or deposit fees are typically applied.
What are the minimum funding amounts?
Low minimum deposit amounts; specifics depend on credit union.
How quickly are funds credited when funding?
Funds are credited typically within a business day; salary payments post on pay date.
How can money be withdrawn from the system?
Withdrawals can be made in branch, via transfer to bank accounts, or electronic funds transfer.
Are there fees for fund withdrawal?
No or minimal fees generally applied for withdrawals.
How long does withdrawal take?
Withdrawals via electronic transfer generally complete within 1-2 business days.
What withdrawal limits are set?
Limits depend on the credit union’s policies and regulatory compliance.
How quickly are funds credited when funding with a card?
Card funding is generally not a common method with credit unions.
How long does a bank transfer take?
Typically 1 business day within SEPA; instant payments as per new SEPA regulations.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Internal account transfers are generally immediate or within the same day.
Are there delays when funding on weekends?
Standard banking processing delays may apply; SEPA instant payments reduce delay where available.
Do holidays affect funding speed?
Bank holidays can delay processing times.
Can crediting be accelerated for a fee?
No verified expedited funding fees.
What determines the speed of funding processing?
Banking system hours, payment method, cut-off times affect speed.
Are there notifications about funding status?
Some credit unions provide transaction notifications via online banking or SMS.
What to do if funding takes too long?
Contact customer support to investigate delayed funds.
How quickly are withdrawal requests processed?
Withdrawals are processed within 1-2 business days generally.
How long does card withdrawal take?
Card withdrawals are not typical in credit union operations.
How quickly do bank transfers arrive?
Bank transfers typically arrive within 1 business day.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawal processing may be delayed over weekends.
Do holidays affect withdrawal speed?
Yes, bank holidays may delay withdrawals.
Can withdrawal be accelerated for an additional fee?
No official express withdrawal fees known.
What determines withdrawal processing time?
Payment method, cut-off times, regulatory compliance.
Are there notifications about withdrawal status?
Some credit unions provide online or SMS notifications.
Can a withdrawal request be canceled?
Cancellation depends on processing stage; usually possible before final settlement.
How to register with the payment service?
Registration requires membership application at a local credit union branch or online where available.
What data is needed to create an account?
Personal identification, proof of address, contact details, date of birth.
Can registration be done without email?
Some credit unions allow registration without email, but contact details are generally required.
Is phone confirmation required during registration?
Phone verification may be used for security; varies by credit union.
Are there age restrictions for registration?
Minimum age is typically 16 years.
Can a corporate account be created?
Yes, some credit unions offer business accounts with additional documentation.
Is it required to provide real data?
Real and verified identification data is mandatory by law.
Are there country restrictions for registration?
Membership usually restricted to persons living or working in the credit union’s area of operation.
How long does account activation take?
Activation may take from same day to several days depending on document verification.
What verification levels exist?
Basic member ID verification; enhanced verification for higher limits or business accounts.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Enhanced verification may require additional proof of income or business documents.
Are digital copies of documents accepted?
Most credit unions accept digital scans or photos for verification.
How long does the verification procedure take?
Verification typically takes 1-5 business days.
Can the service be used without verification?
Limited use with basic account; full features require verification.
What restrictions apply to unverified users?
Lower transaction limits and access restrictions on some services.
Is address confirmation required?
Yes, proof of address is mandatory.
Is a selfie with documents required?
Not commonly required, varies depending on digital onboarding capability.
How often do documents need to be updated?
Typically every 3-5 years or per regulatory requirement.
What encryption technologies does the service use?
Standard TLS/SSL encryption for online banking platforms.
Is two-factor authentication supported?
Yes, many credit unions support 2FA for online access.
Are there SMS confirmations for operations?
SMS transaction alerts may be available.
Is biometric authentication supported?
Some credit unions may support biometric login via mobile apps.
Is blockchain technology used?
No widespread blockchain implementation.
Is there a multi-level security system?
Multi-layered security including encryption, 2FA, and secure login.
How is user personal data protected?
Compliance with GDPR and data protection policies.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Critical IT infrastructure protected by standard anti-DDoS measures.
Are regular security audits conducted?
Yes, regular internal and external security audits.
What anti-phishing protection measures are provided?
User education and technical controls to detect phishing.
Is there a suspicious activity detection system?
Fraud detection systems monitor unusual transactions.
How does the service combat money laundering?
KYC, AML controls, transaction monitoring, and reporting suspicious activities to authorities.
Is there blocking of suspicious accounts?
Yes, accounts may be blocked pending investigation.
What to do when fraud is detected?
Report immediately to credit union support for investigation.
How to report suspicious activity?
Contact support by phone, email, or in person.
Is there compensation for damage from fraudsters?
Compensation policies vary and are subject to regulatory rules.
What user rights exist for disputed transactions?
Users have rights to dispute transactions and seek resolution under consumer protection laws.
How to dispute account blocking?
Contact credit union to provide documentation and appeal.
Is there insurance against cyber attacks?
Credit unions carry cybersecurity insurance as part of risk management.
What fees does the service charge for transfers?
Small or no fees typical for internal and SEPA transfers.
Are there fees for account funding?
Usually no fees on deposits.
Are fees charged for fund withdrawal?
Minimal or no withdrawal fees.
Are there fees for currency conversion?
Not applicable.
Are there fees for account inactivity?
No inactivity fees commonly.
Are there account maintenance fees?
Usually no maintenance fees.
Are fees charged for operation cancellation?
Generally no fees for cancellation.
Are there fees for expedited operations?
No expediting fees typically charged.
Are there hidden fees?
Fee structures are transparent and disclosed.
How are fees calculated for large amounts?
Fees may be tiered, but large transfers typically do not incur higher fees.
Are there different tariff plans in the service?
No complex tariff plans; simple fee structures are standard.
What advantages does VIP status provide?
No VIP status programs are standard in credit unions.
How to get preferential conditions?
Membership benefits from community focus rather than preferential tiers.
Are there free operations per month?
Majority of basic operations are free.
Are there discounts for active users?
No formal discount programs typically.
Are there corporate tariffs?
Business accounts may have negotiated fees.
Can individual conditions be obtained?
Some flexibility based on membership.
Do promotional codes work for fee reduction?
Not applicable.
Are there cashback programs?
No cashback programs standard.
Are there discounts for transaction volumes?
No volume-based discounts generally.
Is there an official mobile application?
Some credit unions offer mobile banking apps.
On which platforms is the application available?
iOS and Android where offered.
What functions are available in the mobile application?
Account view, transfer funds, bill payments, direct debits, notifications.
Does functionality differ from the web version?
Mobile apps may have a subset of full web banking functionality.
Is Touch ID/Face ID supported?
Available in some credit union apps.
Can the application work offline?
Limited to cached information; transactions require online access.
Are there push notifications about operations?
Push notifications are offered in some apps.
Is dark theme supported?
Not commonly available.
How often is the mobile application updated?
Updates typically occur several times per year.
Are there beta versions of the application?
No public beta programs usually.
Is the web interface of the service convenient?
Generally user-friendly but varies between credit unions.
Is responsive design supported?
Most modern credit union websites are mobile responsive.
In which languages is the interface available?
Primarily English.
Is there a night mode for the website?
Not commonly offered.
Are hotkeys supported?
No keyboard shortcut functionality noted.
Can data be exported?
Account statements can be downloaded/exported.
Is there an API for developers?
No public API is generally provided.
Is integration with other services supported?
Limited third-party integrations.
How often is the web interface updated?
Periodic updates as per credit union IT policies.
Are there virtual cards in the service?
Virtual card services are not common in credit unions.
Can disposable cards be created?
No disposable card issuance noted.
Is multi-currency account functionality supported?
No multi-currency accounts; Euro only.
Are there investment products?
Some credit unions offer savings plans, but no complex investment products.
Can interest be earned on balance?
Yes, interest may be earned on savings accounts.
Are there credit products?
Yes, loans and credit facilities are core offerings.
Is P2P trading supported?
No peer-to-peer trading platforms.
Can cryptocurrencies be bought/sold?
Not supported.
Is there acquiring for business?
Merchant acquiring is not typically offered.
Are mass payouts supported?
No information on mass payouts.
Is there a loyalty program in the service?
Loyalty programs are not standard.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback programs.
Are there referral programs?
Some credit unions offer referral incentives.
What privileges do VIP clients have?
No specific VIP client privileges.
Are there seasonal promotions and offers?
Limited promotional activity due to not-for-profit status.
Can premium status be obtained?
No premium status programs.
Are there partner discounts?
Occasionally partner discounts may be available locally.
Are there corporate loyalty programs?
Business customers may have service agreements but no loyalty programs.
Does the service allow operations with online casinos?
Credit unions generally do not facilitate online casino payments.
Are there restrictions on gambling transactions?
Restrictions on gambling-related transactions exist per regulatory and credit union policies.
Can accounts be blocked for casino play?
Accounts may be monitored and blocked for suspicious gambling activity.
How does the service view gambling?
Gambling transactions are subject to strict scrutiny and regulation.
Are there special conditions for gambling?
No special conditions; likely restrictive.
Are casino transactions tracked?
Yes, monitored for compliance.
Can operations with gambling sites be hidden?
No; transparency with regulator required.
Are there notifications about gambling expenses?
Usually not, but monitoring systems may exist.
Are there special fees for gambling operations?
No specific fees; gambling transactions are often discouraged or restricted.
Can limits be set on gambling?
Some controls may be applied.
Is there a self-exclusion function?
Self-exclusion programs are generally for credit management and not specifically gambling.
Can access to gambling sites be restricted?
Not typically provided by credit unions.
Is gambling expense control supported?
Limited support.
Are there notifications about limit exceedance?
No specific notifications.
Can operations with casinos be blocked?
Yes, suspicious operations can be blocked.
Is there gambling expense statistics?
Not typically provided.
Is a "cooling-off period" supported?
Not specifically for gambling.
Can help be obtained for gambling addiction?
Credit union staff may provide referrals to help organizations.
Is there partnership with player assistance organizations?
No specific partnerships confirmed.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not applicable.
Are there exclusive partnerships with specific casinos?
Not applicable.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Not applicable.
Are there geographic restrictions for casino usage?
Operation limited to Ireland; not supporting gambling payments.
How do casino operators typically process transactions from this method?
Not applicable.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
Not applicable.