You must be a member to apply for a loan with Dubco Ireland. You can apply online via our website or through the office. Your ability to repay (not how long you’ve been a member) is used to assess approval.
No, Dubco offers no penalty for lump sum or early loan repayments.
Yes, free loan protection insurance is included (terms and conditions apply).
We offer competitive notice saver rates e.g. 1.5% p.a. (3-month notice) and 2.0% p.a. (12-month notice) on our Notice Saver accounts.
Yes, qualifying members are automatically opted into free savings insurance, covering up to €13,000 (depending on share age).
With some accounts like the notice saver, a notice period may apply before withdrawal. (Other savings accounts may have different conditions.)
It’s insurance that pays out based on your share balance in certain circumstances. The cover level depends on how long you’ve held your shares (share age), with maximum cover of €13,000.
No, qualifying members are automatically opted into free savings insurance (subject to terms) if they maintain their shares and do not withdraw them.
Yes, the credit union offers additional insurance through affiliated providers (e.g. life, home, travel, car). Details are available on our “Services” / Insurance pages.
Instant access, a Mastercard debit card accepted globally, contactless payments, online/mobile access, standing orders/direct debits, transparent fees, and overdraft options.
You must be a member and resident in the Republic of Ireland. For ages 12–16, parent/guardian consent is required. Overdrafts are available only for those aged 18+.
Yes, deposits are covered under the Deposit Guarantee Scheme for up to €100,000 per depositor across eligible accounts.
To opt in for the monthly members draw please visit our website and download the monthly member draw form and post to:
Dubco Ireland Credit Union, Little Green Street, Dublin 7, D07 KC82.
Participants will subscribe to The Draw at the rate of €1.00 per week or €2.00 per fortnight or €4.25 per month, or as decided by the board from time to time.
The revised Payment Services Directive (PSD2) is a piece of EU legislation which entered into force in 2015. Among the primary objectives of PSD2 were:
- To protect consumers.
- To give people and small businesses the ability and choice to safely and securely share their financial data in order to get access to better financial services and products.
Being an AISP (Account Information Service Provider) means that a company can ask an individual or business for authorisation to connect to a bank account and use that bank account information to provide a service.
The service provided by an AISP is a regulated payment service.
Businesses who are AISPs are authorised to access bank account information on a ‘read only’ basis. This means that the AISP has access to the account information but will never be able to complete any transactions on your bank account.
Truelayer (Ireland) Limited is the AISP used by the Credit Union to enable Members to provide bank account information digitally, in support of loan applications. Truelayer (Ireland) Limited is registered as an Account Information Service Provider (AISP) with the Central Bank of Ireland (Institution code C433487).
If an AISP is registered in any EU member state, it can provide Account information Services (AIS) to consumers and businesses in any EU member state.
This service eliminates the effort of collecting, printing and returning bank statements to the Credit Union. Instead, your bank account information is transferred electronically to the Credit Union on your behalf (but only when you give authorisation to do so).
Your bank account data will only be used for the purpose of assessing your loan application to the Credit Union.
Truelayer (Ireland) Limited will access your account data only once (immediately after you have given authorisation).
Truelayer (Ireland) Limited will hold your bank account information on their systems for a maximum of one hour after accessing your bank account. After which, your bank account information will be deleted by Truelayer (Ireland) Limited on their systems.
Truelayer (Ireland) Limited will share your bank account information with the Credit Union (after authorisation by you) via the cloud-based loan application assessment system used by the Credit Union.
Truelayer (Ireland) Limited and Dubco Ireland Credit Union Limited are two separate Data Controllers. Where Truelayer (Ireland) Limited shares bank account information with Dubco Ireland Credit Union Limited it is based on consent which you provide to Truelayer (Ireland) Limited during the bank account information retrieval process to facilitate the loan application process, when you the Member authorise Truelayer (Ireland) to do so.
Truelayer (Ireland) Limited and Dubco Ireland Credit Union Limited are two separate Data Controllers, therefore the Member will be able to access their rights separately with each entity. Dubco Ireland Limited’s privacy notices are available here. Truelayer (Ireland) Limited’s privacy policy is available here.
As a member, this is a new optional service offering directly for you by Truelayer (Ireland) Limited to reduce the time taken to process loan applications and to enhance the loan application process.
If you do not consent to using AIS to supply bank account information, you can:
- Provide paper bank statements to us.
- Send bank statements to us by e-mail.
- Upload bank statements (when making an on-line loan application).
As a member, this optional service is available to you directly at no extra cost.
The CCR records all types of credit agreements including:
- Credit cards
- Mortgages
- Overdrafts
- Personal loans
- Business loans
- Local authority loans
- Licensed moneylender loans
- Hire purchase agreements
- Personal Contract Plans (PCPs)
- Asset finance
The CCR stores:
- Loan amounts and types
- Lender names
- Outstanding balances
- Number of overdue payments
- Dates of next payments
For full details, visit centralcreditregister.ie.
As a borrower, you have the right to:
- Request your credit report at any time (first report each year is free)
- Add a 200-word explanatory statement to your credit report
- Request corrections if your information is inaccurate, incomplete, or outdated
- Report suspected identity fraud or impersonation to the CCR
Request your credit report here: CCR Borrower Area.
Managing your money doesn't have to be overwhelming. At Dubco Ireland, we’re here to support our members with simple, practical tools and advice to help you stay in control of your budget and avoid financial stress.
3 Simple Steps to Manage Your Money Effectively
- List All of Your Expenses
Start by writing down your regular and annual outgoings, including:- Mortgage or rent
- Utility bills (gas, electricity, broadband, etc.)
- Loan and credit card repayments
- Subscriptions and insurance
- Transport and childcare
- Record Your Income and Savings
Include all sources of net income (after tax) and any savings or investment income.
Top Tip: If you're carrying a balance on your credit card, it could be costing you more than you think. Speak to Dubco Ireland today about how we can help you reduce or consolidate debt with lower-cost options. - Create Your Budget
Subtract your total expenses from your income. The money left over is your discretionary spending budget for groceries, clothes, entertainment, holidays, and emergencies.
Budgeting Tip: Use your most recent bills or bank statements to accurately estimate your monthly spending. Our Budget Calculator makes this step even easier, view your bills by category and calculate your weekly payment plan.
If you’re worried about making ends meet or falling behind on repayments, don’t wait, get in touch with us today. We're here to:
- Help restructure your loan repayments
- Offer budgeting support through our Budget BillPay Account
- Guide you toward support services like MABS or Citizens Information
Call us on 01 887 0400 to speak with a friendly member of our team.
Plan for Future Expenses
Use past bills to estimate your future costs. Example: If your car insurance was €600 last year and you expect a 25% increase, budget €750 this year.
Money-Saving Tip: Shop around for the best deals on utilities, insurance, and services—switching providers can often save you money.
Don’t Ignore the Signs
If your expenses exceed your income:
- Reduce non-essential spending
- Re-evaluate monthly subscriptions
- Increase income where possible (check for tax reliefs or social welfare entitlements)
Make Sure You’re Getting All Entitlements
You may be eligible for tax credits, social welfare payments, or other government supports. Check:
Prioritise Debts
Focus on essential debts like mortgage or rent, utilities, and any loan repayments. These are critical to your financial wellbeing and credit record.
Communicate Early and Often
Don’t ignore letters, emails, or calls from creditors. Avoiding contact can harm your credit score and may lead to legal action. Always address financial issues head-on—and remember, Dubco Ireland is here to help.
Ready to Talk?
If you're experiencing financial difficulty or would like budgeting support, call us today. Our dedicated team will work with you to find the best solution.
Contact Dubco Ireland on 01 887 0400
Send us a message
Or visit our branch
