What is the official website of the payment service?
https://www.1cu.ie
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Where can I find the customer support contacts?
Customer support contacts are available on the "Contact" page of the official website www.1cu.ie/contact
What is the hotline phone number?
021 4965134 (Ballyphehane Office main phone number)
Is there a toll-free support number?
No publicly verified information found for a toll-free support number specifically for First South Credit Union Ireland; typically support is via standard local phone numbers.
What is the email address for technical support?
[email protected] is the main email for inquiries; no specific technical support email verified for First South Credit Union Ireland.
Are there separate emails for different types of inquiries?
No explicit separate departmental emails found publicly; general inquiries use [email protected].
Where can I find the online chat support?
No verified information about online chat support availability on the official site or services.
Does the chat support work 24/7?
Not available or no information found about 24/7 chat support.
Is there support through messengers (Telegram, WhatsApp)?
No verified information available about support via Telegram or WhatsApp.
What are the support working hours?
Office hours for Ballyphehane Office are Monday to Friday 9:45 AM to 4:45 PM, Saturdays 10:30 AM to 1:30 PM, closed 1:30 PM to 2:30 PM for lunch.
Does support work on weekends and holidays?
Limited weekend support available Saturdays morning; no verified holiday support details.
Are there regional offices for in-person visits?
Yes, multiple branch offices available for in-person visits in Cork and surrounding areas.
Where are the physical offices located?
Examples include Lower Friars Walk Ballyphehane Cork T12 D36K, Thornhill House Ballinlough Road Cork, 24/25 South Mall Cork City, and 7/8 Exchange Building Kinsale Cork.
Can I schedule a personal meeting?
No explicit online appointment scheduling found; typically walk-in during office hours or contact by phone for arrangements.
Are there representatives in different countries?
No verified international representative offices; service mainly in Ireland.
In which languages is support available?
Primarily English language support is offered.
How quickly does support respond to requests?
Average response times via online messaging and email are within 1 to 2 business days.
Is there a priority system for VIP clients?
No information found about a VIP or priority customer support system.
Can I request a callback?
No explicit callback request service publicly noted.
When was the payment service founded?
No exact founding date found; First South Credit Union has a history consistent with longstanding credit unions in Ireland, likely established decades ago.
Who is the founder and owner of the service?
Owned by its members as a cooperative credit union; no single founder detailed publicly.
In which country is the company registered?
Ireland
What is the development history of the payment service?
The credit union has developed services including SEPA Instant Payments, online banking, debit/credit card payments, and mobile app rollout; ongoing modernization to increase convenience.
Have there been major updates or rebranding?
Recent implementation of SEPA Instant Payments in 2025 and app updates; no major rebranding found.
Who sits on the company's board of directors?
Not publicly listed in available summaries; typical credit unions have an elected volunteer board from members.
Are there investors or partners in the service?
As a credit union, it is member-owned; no external investors typically involved; partnerships with fintechs for some services.
Does the company participate in stock trading?
No, credit unions are private member cooperatives and not publicly traded.
What is the company's market capitalization?
Not applicable; credit union does not have a market capitalization.
Are there subsidiary companies or branches?
Branch offices exist in multiple Cork and regional locations.
What licenses does the payment service have?
Licensed under Irish Credit Union Act and regulated by the Central Bank of Ireland.
In which jurisdictions does the service operate officially?
Ireland
Are there licenses for cryptocurrency operations?
No specific verified cryptocurrency operation licenses found for First South Credit Union Ireland.
Does the service comply with AML/KYC requirements?
Yes, as a regulated financial institution in Ireland, it complies with anti-money laundering and KYC requirements.
Are there security certificates (PCI DSS, etc.)?
Likely PCI DSS compliance for card services; no direct public certificate disclosures found.
Has the service undergone security audits?
Standard regulatory and internal audits apply; no detailed public audit reports found.
Is there insurance for client funds?
Member funds protected under Irish Credit Union regulations; not covered by bank deposit insurance but benefit from credit union safeguard provisions.
Which international standards does it comply with?
Compliance with EU and Irish banking and credit union regulatory standards.
Have there been any regulatory fines or violations?
No public records of significant regulatory fines or violations found.
Where can I find real reviews about the service?
Reviews on Trustpilot and Google Reviews, e.g., https://ie.trustpilot.com/review/mfcu.ie (Member First Credit Union but similar Irish credit unions).
What are the main user complaints?
Some mention of app performance issues, slow tech updates, and occasional transaction confusion.
What do users most often praise the service for?
Friendly and helpful customer service, personalized assistance, loan approval support.
Are there issues with fund withdrawals?
No widespread withdrawal issues noted publicly.
Is the interface convenient according to users?
Mobile app receives mixed reviews with calls for improved stability and user experience.
Are clients satisfied with transaction speed?
Generally satisfactory especially with SEPA Instant Payments introduction.
Do users recommend this service?
Majority user recommendations noted in reviews.
How do experts assess the service's reliability?
Seen as a sound, member-focused financial cooperative typical of Irish credit unions.
Are there industry awards and recognitions?
No public award listings seen.
Does the service participate in payment system rankings?
No known participation in global payment rankings.
Are there recommendations from financial regulators?
Regulated and supervised by Central Bank of Ireland with standard recommendations.
What reputation does the service have among partners?
Positive collaborative reputation within the Irish credit union community.
How do they evaluate solution innovation?
Modernizing with SEPA Instant Payments and offering mobile apps suggests steady innovation.
Are there quality service certificates?
No specific public quality certifications noted beyond regulatory compliance.
Does the company participate in industry conferences?
No public data on conference participation.
How does the service position itself in the market?
As a member-focused, community-oriented credit union offering competitive loan and payment services.
Which fiat currencies does the service support?
Primarily euro (EUR).
Are cryptocurrencies supported? Which ones specifically?
No direct support for cryptocurrencies found.
Can currencies be converted within the service?
No multi-currency conversion service publicly noted.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are there currency restrictions in different countries?
Service primarily euro-focused, geographic restricted to Ireland.
What types of transfers does the service support?
SEPA Instant Payments, Direct Debits, Standing Orders, Bill Pay, Electronic Transfers, card payments.
Can transfers be made between service users?
Yes, electronic transfers between members.
Are transfers to bank cards supported?
Loan and account payments can be made by card.
Can money be transferred to bank accounts?
Yes, to IBAN accounts within SEPA.
Is bill payment available?
Yes, through online and branch Bill Pay services.
Are recurring payments supported?
Yes, Standing Orders and Direct Debits.
Can automatic transfers be set up?
Yes, recurring payments and transfers.
Are group payments supported?
Not explicitly documented.
Can payment links be created?
No public information on this feature.
What are the minimum transaction amounts in the service?
Not publicly detailed.
What are the maximum amounts that can be transferred?
Not publicly detailed; subject to regulatory and internal credit union limits.
Are there daily limits on operations?
Likely in place per regulatory and internal policies but not publicly detailed.
What monthly and annual limits are in effect?
Not publicly disclosed.
Can limits be increased? How?
Usually by verification and credit assessment; details not public.
Do limits differ for verified users?
Likely yes but not publicly detailed.
Are there restrictions for new accounts?
New accounts subject to standard verification restrictions.
Do special limits apply in different countries?
Service is Ireland focused; no foreign country implementation.
Can operations be temporarily blocked?
Yes, for security or compliance reasons following industry practices.
Are there limits on the number of daily operations?
Likely but not publicly detailed.
What are the minimum amounts for account funding?
Not publicly specified.
What methods of funding are supported?
Cash, check, external transfers, card payments.
Are there fees for funding?
Fees may apply for some card payment methods; see fees page.
What are the minimum funding amounts?
Not specified.
How quickly are funds credited when funding?
Generally same day for card and electronic transfers.
How can money be withdrawn from the system?
ATM, electronic transfers to bank accounts.
Are there fees for fund withdrawal?
Not specified publicly; ATM network usage may have no fee inside network.
How long does withdrawal take?
Instant from ATMs; electronic transfers depend on banking network.
What withdrawal limits are set?
Not publicly specified.
How quickly are funds credited when funding with a card?
Typically immediate or same day.
How long does a bank transfer take?
Standard SEPA transfers 1-2 business days; SEPA Instant payments within 10 seconds.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
SEPA Instant Payments are instant; others may take longer.
Are there delays when funding on weekends?
SEPA Instant payments available 24/7 including weekends.
Do holidays affect funding speed?
Standard SEPA transfers may be delayed on bank holidays; instant payments not affected.
Can crediting be accelerated for a fee?
No publicly noted express funding fees.
What determines the speed of funding processing?
Payment type and banking network operating hours.
Are there notifications about funding status?
Yes, via online banking and app notifications.
What to do if funding takes too long?
Contact customer support for investigation.
How quickly are withdrawal requests processed?
Typically within banking network standard times; no delays for offline ATM withdrawals.
How long does card withdrawal take?
Instant at ATMs.
How quickly do bank transfers arrive?
1-2 business days standard; instant payments within seconds.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Standard bank transfers may delay; instant payments unaffected.
Do holidays affect withdrawal speed?
Yes, for standard transfers.
Can withdrawal be accelerated for an additional fee?
No public information.
What determines withdrawal processing time?
Banking hours, regulatory checks.
Are there notifications about withdrawal status?
Yes, via banking notifications.
Can a withdrawal request be canceled?
Generally no after processing starts.
How to register with the payment service?
Apply online via website or in person at branch with required documentation.
What data is needed to create an account?
Personal identification, proof of address, date of birth, and other KYC data.
Can registration be done without email?
Email is usually required for online services but in-branch registration possible.
Is phone confirmation required during registration?
May be required depending on process.
Are there age restrictions for registration?
Minimum age 18 years.
Can a corporate account be created?
Focus is on personal accounts; no verified corporate account info.
Is it required to provide real data?
Yes, compliant with legal verification and KYC rules.
Are there country restrictions for registration?
Restricted to residents of Ireland.
How long does account activation take?
Typically a few days after document verification.
What verification levels exist?
Basic and full verification levels typical for credit unions.
What documents are required for basic verification?
Valid photo ID and proof of address.
Are documents needed for full verification?
Additional documentation may be requested.
Are digital copies of documents accepted?
Yes, for online applications.
How long does the verification procedure take?
Several days depending on completeness.
Can the service be used without verification?
Limited functionality possible.
What restrictions apply to unverified users?
Transaction limits and access restrictions.
Is address confirmation required?
Yes, standard in KYC for financial services.
Is a selfie with documents required?
Not typically required.
How often do documents need to be updated?
Every few years as per regulatory guidelines.
What encryption technologies does the service use?
Standard HTTPS encryption; no explicit public detail.
Is two-factor authentication supported?
Likely supported in online banking and app.
Are there SMS confirmations for operations?
Probably offered for security transactions.
Is biometric authentication supported?
Yes, biometric login available in mobile app.
Is blockchain technology used?
No public details of blockchain usage.
Is there a multi-level security system?
Standard multi-layered security for banking IT systems assumed.
How is user personal data protected?
Data protected under GDPR and Irish data protection laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Not publicly disclosed but standard banking IT security practices applied.
Are regular security audits conducted?
Expected as per banking regulations but not publicly disclosed.
What anti-phishing protection measures are provided?
User education and security protocols implemented.
Is there a suspicious activity detection system?
Anti-fraud systems in place as per regulations.
How does the service combat money laundering?
KYC, transaction monitoring, and regulatory compliance.
Is there blocking of suspicious accounts?
Yes, suspicious accounts can be blocked per law.
What to do when fraud is detected?
Report to customer service immediately.
How to report suspicious activity?
Contact customer support or regulatory authorities.
Is there compensation for damage from fraudsters?
Credit unions typically have fraud protection policies but no specific guarantee publicly detailed.
What user rights exist for disputed transactions?
Rights to dispute under Irish consumer protection laws.
How to dispute account blocking?
Contact customer support and provide proof to resolve blockages.
Is there insurance against cyber attacks?
Not publicly confirmed.
What fees does the service charge for transfers?
Fees vary; some SEPA transfers free, €4 monthly or €1 per chargeable transaction options.
Are there fees for account funding?
Some card payment fees may apply.
Are fees charged for fund withdrawal?
Often free at in-network ATMs; external fees possible.
Are there fees for currency conversion?
Not applicable due to euro-only focus.
Are there fees for account inactivity?
Some accounts may have inactivity fees; specifics not detailed.
Are there account maintenance fees?
€4 monthly or low transaction fees; free for youth and seniors.
Are fees charged for operation cancellation?
Not publicly stated.
Are there fees for expedited operations?
No clear expedited fee services noted.
Are there hidden fees?
Fees are disclosed on the fees and charges page; transparency emphasized.
How are fees calculated for large amounts?
Not publicly detailed; likely standard transaction fees.
Are there different tariff plans in the service?
Yes, monthly fee or pay-per-transaction options.
What advantages does VIP status provide?
No VIP status publicly described.
How to get preferential conditions?
Not publicly detailed.
Are there free operations per month?
Some accounts offer free transactions depending on plan.
Are there discounts for active users?
No specific discounts publicly listed.
Are there corporate tariffs?
No corporate services detailed.
Can individual conditions be obtained?
Likely personalized upon request but not publicly outlined.
Do promotional codes work for fee reduction?
No evidence of promotional codes.
Are there cashback programs?
Not found.
Are there discounts for transaction volumes?
No volume discounts indicated.
Is there an official mobile application?
Yes, First South Credit Union has an official app.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account balances, transfers, direct debits, online payments, loan applications, biometric login.
Does functionality differ from the web version?
Mobile app focuses on ease and biometric login; core banking functions aligned with web.
Is Touch ID/Face ID supported?
Yes, biometric login supported.
Can the application work offline?
No offline operation; requires internet.
Are there push notifications about operations?
Likely available.
Is dark theme supported?
No confirmed dark mode on app.
How often is the mobile application updated?
Updates happen periodically; recent buggy versions noted.
Are there beta versions of the application?
No public beta program found.
Is the web interface of the service convenient?
The website is generally user-friendly with accessible menus.
Is responsive design supported?
Yes, the website is mobile responsive.
In which languages is the interface available?
English.
Is there a night mode for the website?
No night mode reported.
Are hotkeys supported?
Not reported.
Can data be exported?
Limited export capabilities likely for statements.
Is there an API for developers?
No public API available.
Is integration with other services supported?
Integration with banking networks for SEPA and card payments.
How often is the web interface updated?
Regular updates but no fixed schedule public.
Are there virtual cards in the service?
Not explicitly documented.
Can disposable cards be created?
Not documented.
Are there investment products?
No public investment products offered.
Can interest be earned on balance?
Limited or no interest typical for credit union current accounts.
Are there credit products?
Yes, competitive loans and mortgages.
Is P2P trading supported?
Not applicable.
Is there acquiring for business?
No merchant acquiring services detailed.
How are bonus points earned?
Not applicable.
Are there referral programs?
No public information.
What privileges do VIP clients have?
Not documented.
Are there seasonal promotions and offers?
Not publicly listed.
Are there partner discounts?
No details.
Does the service allow operations with online casinos?
No information available on gambling transaction policies.
Are there restrictions on gambling transactions?
Typically credit unions restrict certain high-risk sectors but no public policy found.
Can accounts be blocked for casino play?
Not documented.
How does the service view gambling?
Not publicly disclosed.
Are there special conditions for gambling?
Not found.
Are casino transactions tracked?
Standard transaction monitoring applies but no special disclosure.
Can limits be set on gambling?
Not documented.
Is there a self-exclusion function?
Not specific to credit union banking services.
Can access to gambling sites be restricted?
Not applicable.
Are there notifications about limit exceedance?
No public info.
Can operations with casinos be blocked?
Not publicly disclosed.
Is a "cooling-off period" supported?
Not applicable.
Can help be obtained for gambling addiction?
Not part of core financial services.
Is there partnership with player assistance organizations?
No public info.
How to set up gambling expense notifications?
Not available.
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.
Can the method be used for both deposits and withdrawals in casinos?
No info.
Are there geographic restrictions for casino usage?
Not applicable.
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.