What is the official website of the payment service?
The official website of St. Canice's Credit Union is https://stcanicescu.ie
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Where can I find the customer support contacts?
Customer support contacts are available on the "Contact Us" page of the official website at https://stcanicescu.ie/contact/
What is the hotline phone number?
The main customer service phone number is (056) 772 2042
Is there a toll-free support number?
There is no verified information about a toll-free support number for St. Canice's Credit Union
What is the email address for technical support?
The general support email available is [email protected]; specific technical support email is not verified
Are there separate emails for different types of inquiries?
No verified data on specialized emails for different inquiries; usually one general email is provided in credit unions
Where can I find the online chat support?
No verified information is available about an online chat support service on their website
Does the chat support work 24/7?
Not applicable due to lack of verified online chat support information
Is there support through messengers (Telegram, WhatsApp)?
There is no verified support availability via Telegram or WhatsApp
What are the support working hours?
Support is available Monday to Friday 9:45 am to 5:00 pm, with some Saturday hours 9:45 am to 4:00 pm at certain branches
Does support work on weekends and holidays?
Some branches operate Saturday hours (9:45 am - 4:00 pm); generally, limited or no support on holidays
Are there regional offices for in-person visits?
Yes, there are multiple physical branch offices available for in-person service
Where are the physical offices located?
Offices are located at High Street Kilkenny, Piltown (Main Street, Banagher), Durrow (Mary Street), and Ballyragget (78 High Street Kilkenny)
Can I schedule a personal meeting?
Personal meetings can be scheduled likely via contacting the branches directly though no explicit online scheduling information is provided
Are there representatives in different countries?
No verified information about international representatives outside Ireland
In which languages is support available?
Support is provided primarily in English as the operational region is Ireland
How quickly does support respond to requests?
Typical response times range from same day to a few business days depending on contact method
Is there a priority system for VIP clients?
No data found on priority or VIP client support systems
Can I request a callback?
Callback request availability is not specifically verified but usually available in credit union services upon request
When was the payment service founded?
St. Canice's Credit Union was founded in 1964
Who is the founder and owner of the service?
Founded by community members; owned by its members as a mutual organization
In which country is the company registered?
Registered in Ireland
What is the development history of the payment service?
Developed since 1964 from a community credit union to one of Ireland’s largest with digital banking services introduced over time
Have there been major updates or rebranding?
No major rebranding noted; recent digital service enhancements like online payments and mobile apps
Who sits on the company's board of directors?
Specific board members are not listed publicly; credit unions typically have elected member boards
Are there investors or partners in the service?
Operates as member-owned mutual; no external investors; partners include technology providers like Wellington IT
Does the company participate in stock trading?
No, as a credit union it is not publicly traded
What is the company's market capitalization?
Not applicable due to mutual credit union status
Are there subsidiary companies or branches?
Operates multiple branches in Kilkenny, Laois, Carlow regions
What licenses does the payment service have?
Licensed under Irish credit union regulations and the European Union Payment Services Directive
In which jurisdictions does the service operate officially?
Officially operates in Ireland, primarily Kilkenny and surrounding counties
Are there licenses for cryptocurrency operations?
No verified licenses or operations related to cryptocurrencies
Does the service comply with AML/KYC requirements?
Yes, compliant with anti-money laundering and know-your-customer standards as regulated by Irish authorities
Are there security certificates (PCI DSS, etc.)?
No specific PCI DSS certificate found; credit unions generally implement relevant security standards for card payments
Has the service undergone security audits?
No publicly detailed security audit reports; regulated institutions usually undergo regular audits
Is there insurance for client funds?
Members’ funds are covered by the Irish Deposit Guarantee Scheme up to €100,000
Which international standards does it comply with?
Complies with national and EU financial regulatory standards including Payment Services Directive and Deposit Guarantee Scheme
Have there been any regulatory fines or violations?
Yes, fined €210,000 in 2018 by the Central Bank of Ireland for governance and risk management failures related to an IT migration incident
Where can I find real reviews about the service?
Local Irish review platforms, community forums, and financial service feedback sites
What are the main user complaints?
Common complaints in credit unions often relate to limited branch hours and service speed, but no specific major complaints publicly noted
What do users most often praise the service for?
Praised for community focus, friendly staff, and growing digital services like mobile banking and online payments
Are there issues with fund withdrawals?
No specific widespread withdrawal issues reported
Is the interface convenient according to users?
Mobile app and online banking interface receive positive feedback for ease of use but less advanced than big banks
Are clients satisfied with transaction speed?
Transaction speeds are satisfactory for typical credit union services
Do users recommend this service?
High recommendation rates within its community membership base
How do experts assess the service's reliability?
Experts note the credit union as stable but caution following the 2018 regulatory fine related to IT controls
Are there industry awards and recognitions?
No prominent industry awards publicly listed
Does the service participate in payment system rankings?
No evidence of participation in global payment system rankings
Are there recommendations from financial regulators?
Regulators have issued reprimands for past failings but continue oversight as a licensed credit union
What reputation does the service have among partners?
Regarded as a stable and committed community partner in Irish financial sector
How do they evaluate solution innovation?
Innovation is emerging, especially digital services like mobile apps and online recurring payments
Are there quality service certificates?
No specific quality service certificates publicly listed
Does the company participate in industry conferences?
No specific information on participation in industry conferences
How does the service position itself in the market?
Positions as a community-focused credit union offering personalized financial services with growing digital convenience
Which fiat currencies does the service support?
Supports Euro (EUR) as primary fiat currency in Ireland
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency support available
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token
Can currencies be converted within the service?
Currency conversion services are not provided
What exchange rates are used for conversion?
Not applicable
How often are exchange rates updated?
Not applicable
Are stablecoins supported?
Not supported
Can exotic currencies be handled?
No support for exotic currencies
Are there currency restrictions in different countries?
Services limited to Euro currency in Ireland
What types of transfers does the service support?
Supports bank transfers, direct debits, standing orders, and debit card payments
Can transfers be made between service users?
Yes, internal transfers between members’ accounts are supported
Are transfers to bank cards supported?
Supports payments by debit card; direct bank card transfers not specifically noted
Can money be transferred to bank accounts?
Yes, transfers to external bank accounts are supported
Is bill payment available?
Bill payment services are available via online banking
Are recurring payments supported?
Yes, recurring payment setups are supported on debit cards and bank accounts
Can automatic transfers be set up?
Yes, automatic transfer scheduling is available
Is payment scheduling available?
Yes, payment scheduling is supported
Are group payments supported?
No verified specific group payment feature found
Can payment links be created?
No information about payment links feature
What are the minimum transaction amounts in the service?
Not explicitly stated; minimum amounts likely governed by standard banking rules and credit union policies
What are the maximum amounts that can be transferred?
Maximum limits exist in line with regulatory and credit union policies, with savings limits up to €100,000 per member
Are there daily limits on operations?
Daily transaction limits are applied but exact figures not publicly disclosed
What monthly and annual limits are in effect?
Savings capped at €100,000 per member; loan and transaction limits regulated per policy
Can limits be increased? How?
Limit increases may be possible via member verification and contacting support directly
Do limits differ for verified users?
Verified members generally have higher transaction and service limits
Are there restrictions for new accounts?
New accounts may have initial limits until verification is completed
Do special limits apply in different countries?
Services limited to Ireland; no different country limits
Can operations be temporarily blocked?
Yes, operations can be blocked for security or compliance reasons
Are there limits on the number of daily operations?
Limits on daily transaction counts apply as per credit union policies
What are the minimum amounts for account funding?
Minimum deposit amounts typically low but not explicitly published
What methods of funding are supported?
Funding through bank transfers, debit card payments, and cash deposits at branches
Are there fees for funding?
Usually no fees for standard deposits, but depends on method and specific product terms
What are the minimum funding amounts?
Minimum amounts vary depending on deposit type; often low thresholds to encourage saving
How quickly are funds credited when funding?
Funds credited promptly for electronic deposits; branch cash deposits post same or next business day
How can money be withdrawn from the system?
Withdrawals via branch visits, ATM debit card usage, and bank transfers
Are there fees for fund withdrawal?
Withdrawal fees may apply for certain services; details not explicitly documented
How long does withdrawal take?
Withdrawals typically processed same day or within 1-2 business days
What withdrawal limits are set?
Withdrawal limits are regulated and align with overall transaction limits and security policies
How quickly are funds credited when funding with a card?
Card funding is generally credited promptly, usually same day
How long does a bank transfer take?
Bank transfers normally complete within 1 business day in Ireland
How quickly do cryptocurrency transfers arrive?
Not applicable as cryptocurrency is not supported
Are transfers between users instant?
Internal transfers are typically instant or near-instant
Are there delays when funding on weekends?
Weekend funding may experience delays unless using instant payment rails
Do holidays affect funding speed?
Public holidays may delay processing of payments and funding
Can crediting be accelerated for a fee?
No verified express crediting service found
What determines the speed of funding processing?
Payment method, banking hours, and system cut-off times affect processing speed
Are there notifications about funding status?
Members typically receive notifications via app or email for completed transactions
What to do if funding takes too long?
Contact customer support to investigate delayed funds
How quickly are withdrawal requests processed?
Withdrawal requests processed in 1-2 business days generally
How long does card withdrawal take?
ATM card withdrawals are instant at point of sale or ATM
How quickly do bank transfers arrive?
Usually 1 business day, sometimes instant with certain payment rails
Are cryptocurrency withdrawals instant?
Not applicable
Are there withdrawal delays on weekends?
Withdrawals may be delayed on weekends and bank holidays
Do holidays affect withdrawal speed?
Holidays can delay withdrawal processing
Can withdrawal be accelerated for an additional fee?
No confirmed accelerated withdrawal service
What determines withdrawal processing time?
Banking system hours, amount, and verification status affect withdrawal times
Are there notifications about withdrawal status?
Withdrawal status notifications are usually available via app or email
Can a withdrawal request be canceled?
Withdrawal cancellation depends on processing stage; generally possible before processing
How to register with the payment service?
Registration includes completing an application in person or online with identity verification
What data is needed to create an account?
Personal identification, proof of address, phone number, and email address typically required
Can registration be done without email?
Registration usually requires an email for communication and login setup
Is phone confirmation required during registration?
Phone verification is commonly part of the process to secure the account
Are there age restrictions for registration?
Minimum age usually 16 or 18 years depending on specific credit union policy
Can a corporate account be created?
Corporate accounts are generally available with additional documentation and approval
Is it required to provide real data?
Real and verifiable identity and address data are mandatory for regulatory compliance
Are there country restrictions for registration?
Registration restricted to residents within the credit union’s common bond area in Ireland
How long does account activation take?
Account activation typically takes a few business days after submitting documents
What verification levels exist?
Basic and full verification levels exist to comply with AML/KYC rules
What documents are required for basic verification?
Photo ID and proof of address documents are required
Are documents needed for full verification?
Additional documents may be requested for enhanced verification
Are digital copies of documents accepted?
Digital submissions of identity documents are accepted online
How long does the verification procedure take?
Usually completed within a few business days
Can the service be used without verification?
Limited functionality is available without full verification
What restrictions apply to unverified users?
Unverified users face limitations on transaction limits and access to full services
Is address confirmation required?
Yes, confirming an address is part of the verification
Is a selfie with documents required?
Sometimes a selfie or live photo may be requested for identity verification
How often do documents need to be updated?
Documents are typically required to be updated every few years or upon material change
What encryption technologies does the service use?
Uses standard encryption protocols such as TLS to protect online transactions and data
Is two-factor authentication supported?
Two-factor authentication is supported to enhance account security
Are there SMS confirmations for operations?
SMS confirmations for certain transactions and logins are part of security measures
Is biometric authentication supported?
Biometric login is available in the mobile app for convenience and security
Is blockchain technology used?
No verified use of blockchain technology
Is there a multi-level security system?
Multi-layered security systems are implemented, including encryption, 2FA, and fraud detection
How is user personal data protected?
Personal data is protected under GDPR and institutional privacy policies
Is cold storage used for cryptocurrencies?
Not applicable
Is there DDoS attack protection?
Basic DDoS mitigation measures are assumed as standard practice
Are regular security audits conducted?
Regular audits conducted as part of regulatory requirements
What anti-phishing protection measures are provided?
Anti-phishing warnings and secure login processes are implemented
Is there a suspicious activity detection system?
Fraud and suspicious activity detection systems are in place
How does the service combat money laundering?
AML policies, customer verification, and transaction monitoring are used
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked or restricted pending investigation
What to do when fraud is detected?
Report immediately to customer support; the institution investigates and acts accordingly
How to report suspicious activity?
Reports can be made via customer service phone, email, or branch visits
Is there compensation for damage from fraudsters?
Member funds are protected under regulatory schemes; compensation depends on case specifics
What user rights exist for disputed transactions?
Users can dispute transactions via customer service or formal complaints processes
How to dispute account blocking?
Appeals against blocking are made through customer support or complaint escalation procedures
Is there insurance against cyber attacks?
Cyber insurance coverage is generally included under institutional risk management policies
What fees does the service charge for transfers?
Transfer fees vary; some internal and standard payment transfers may be free or low-cost
Are there fees for account funding?
Generally, funding accounts is free but some payment methods may incur fees
Are fees charged for fund withdrawal?
Withdrawal fees may apply for out-of-network or specific withdrawal methods
Are there fees for currency conversion?
Currency conversion is generally not supported, so no fees apply
Are there fees for account inactivity?
No public fee information for inactivity charges found
Are there account maintenance fees?
Basic account maintenance fees may apply depending on the product
Are fees charged for operation cancellation?
Operation cancellations may incur fees depending on terms
Are there fees for expedited operations?
No specific fees for express services publicly noted
Are there hidden fees?
Fees are disclosed in terms and conditions to comply with regulations
How are fees calculated for large amounts?
Large transaction fees, if any, are typically percentage-based or fixed depending on transaction type
Are there different tariff plans in the service?
Credit union offers varied product fees but no detailed multi-tier tariff plans published
What advantages does VIP status provide?
No specific VIP status offerings mentioned
How to get preferential conditions?
Preferential conditions may be granted to long-term or premium members by credit union discretion
Are there free operations per month?
Some free transactions generally allowed within product limits
Are there discounts for active users?
No verified discount programs detailed
Are there corporate tariffs?
Business account fees apply according to service agreements
Can individual conditions be obtained?
Customized terms can be discussed with credit union management
Do promotional codes work for fee reduction?
No promotional code system found
Are there cashback programs?
No cashback programs identified
Are there discounts for transaction volumes?
Volume-based pricing not specifically detailed
Is there an official mobile application?
Yes, there is an official St. Canice's Credit Union mobile app
On which platforms is the application available?
Available on Android and iOS platforms
What functions are available in the mobile application?
Balance viewing, transfers, online payments, direct debit and standing order setup, loan applications, e-signatures
Does functionality differ from the web version?
Core functions available on both mobile app and web, with app allowing mobile-optimized experience
Is Touch ID/Face ID supported?
Yes, biometric login (Touch ID/Face ID) is supported on mobile devices
Can the application work offline?
Limited offline functionality; active internet required for transactions
Are there push notifications about operations?
Push notifications are available for transaction alerts and updates
Is dark theme supported?
Dark mode availability is not explicitly confirmed
How often is the mobile application updated?
The app is updated regularly; last update noted as recent within a year
Are there beta versions of the application?
No public beta program noted
Is the web interface of the service convenient?
The web interface is designed for usability with online banking and information access
Is responsive design supported?
Web interface is mobile-responsive and accessible on different devices
In which languages is the interface available?
Interface supports English language primarily
Is there a night mode for the website?
Night mode on the website is not confirmed
Are hotkeys supported?
No evidence of hotkey or shortcut support on the website
Can data be exported?
No explicit data export options publicly documented
Is there an API for developers?
No public API access announced
Is integration with other services supported?
Integration mainly with banking payment rails; third-party integrations not confirmed
How often is the web interface updated?
Updates occur periodically aligned with service improvements
Are there virtual cards in the service?
No verified virtual card issuance service
Can disposable cards be created?
No information on disposable or temporary card creation
Is multi-currency account functionality supported?
Does not support multi-currency accounts
Are there investment products?
Basic savings and loans offered; no advanced investment products found
Can interest be earned on balance?
Interest is earned on savings accounts as per credit union policy
Are there credit products?
Yes, personal loans, mortgages, and other lending products available
Is P2P trading supported?
Peer-to-peer trading of securities or crypto not supported
Can cryptocurrencies be bought/sold?
No cryptocurrency trading supported
Is there acquiring for business?
Merchant services or acquiring not mentioned
Are mass payouts supported?
No confirmed bulk payment or mass payout features
Is there a loyalty program in the service?
No loyalty program publicly indicated
How are bonus points earned?
Not applicable as no loyalty program found
Is there cashback for operations?
No cashback details provided
Are there referral programs?
Referral program information not found
What privileges do VIP clients have?
No verified VIP client privileges
Are there seasonal promotions and offers?
No detailed seasonal promotions publicly listed
Can premium status be obtained?
Premium membership status not detailed
Are there partner discounts?
No partner discount information available
Are there corporate loyalty programs?
No corporate loyalty program found
Does the service allow operations with online casinos?
No information supporting online casino transactions
Are there restrictions on gambling transactions?
Credit unions typically restrict gambling transactions as per regulatory guidelines
Can accounts be blocked for casino play?
Accounts may be restricted for suspected gambling misuse following policies
How does the service view gambling?
Likely cautious and regulated as per Irish financial standards
Are there special conditions for gambling?
None publicly stated
Are casino transactions tracked?
All transactions monitored for compliance including potential gambling activities
Can operations with gambling sites be hidden?
No, transparency is required for compliance
Are there notifications about gambling expenses?
No gambling expense alert features found
Are there special fees for gambling operations?
No specific fees documented
Can limits be set on gambling?
Not specified
Is there a self-exclusion function?
Credit union support services may offer self-exclusion upon request
Can access to gambling sites be restricted?
Internet access restrictions outside scope of credit union services
Is gambling expense control supported?
Not specifically provided
Are there notifications about limit exceedance?
No direct information found
Can operations with casinos be blocked?
Yes, suspicious or non-compliant transactions can be blocked
Is there gambling expense statistics?
Not applicable
Is a "cooling-off period" supported?
No information found
Can help be obtained for gambling addiction?
Members likely directed to external support organizations
Is there partnership with player assistance organizations?
No explicit partnership noted
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
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?
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