With over 5,000 Dubco Ireland members already on board, the Budget BillPay Account is a smart, hassle-free way to manage your household expenses. This flexible account lets you spread the cost of recurring bills evenly throughout the year, helping you stay in control of your finances and avoid seasonal spikes in spending.
How Does Budget BillPay Work?
- Electricity and gas
- Broadband and mobile phone
- TV license and streaming services
- Motor, home, and health insurance
- Property tax and waste charges
- Mortgage and Rent
Each year, your projected annual bill total is calculated and spread into 12 manageable monthly payments, making budgeting simple and stress-free.
Annual Bills
Here’s an example of how the Budget BillPay Account can help spread the cost of your bills.
To help you understand how our Budget BillPay Account can take the stress out of managing household expenses, here’s a real-life example:
Let’s say in your first week using the account, you lodge €90.38, and your car insurance premium of €500 is due.
Dubco Ireland will pay the €500 on your behalf, putting your account into overdraft by €409.62.
The following week, you have no bills due, but you continue to lodge €90.38 – reducing your overdraft to €319.24, and so on.
Over time, your regular contributions will clear the overdraft and cover all your recurring bills for the year.
If your bills increase during the year, you can easily adjust your weekly, fortnightly, or monthly payment to stay on track.
Top Tip: You can pay large expenses like car insurance or home insurance in instalments directly from your Budget BillPay Account – no need to pay in full upfront.
Stay on Top of Your Bills, No More Surprises
The key benefit of the Budget BillPay Account is simple: once your regular payment is made, you’ll know the rest of your income is for personal spending, such as groceries, clothes, family activities, education, holidays, or savings.
- Your essential bills are always covered
- You avoid late fees or missed payments
- You gain control over your disposable income
Interest and Overdrafts
An interest rate of just 1% per month applies to any overdrawn balances. This low-cost feature gives you the flexibility to handle multiple bills at once, while still spreading your repayments throughout the year.
If you need to increase your overdraft or want more information, simply contact our team. Overdrafts are subject to lending criteria, terms & conditions, which you can view here:
Track Your Spending with Quarterly Statements
You’ll receive a quarterly Budget BillPay statement, making it easy to monitor your account activity and track your progress throughout the year.
Fees:
*Members aged 66 and over are exempt from this charge.
On the Move?
Manage your money anywhere, anytime
If you’re already registered for Dubco Ireland online access, all you have to do is download the Dubco Ireland Mobile App and you’re ready to go!
Building brighter futures together—rooted in community, powered by trust.
Not a Member? No problem. Become a Member and avail all the benefits at Dubco.
Budget Calculator
Use our budget calculator to help manage your bills.
- Step 1: Choose how often you are paid.
- Step 2: Enter the total annual amount you will spend for each item on this list.
- Step 3: Click the Calculate button to work out your weekly/fortnightly/monthly deduction amount.
Take Control of Your Household Expenses with a Budget BillPay Account.
Say goodbye to bill stress! With a Dubco Ireland Budget BillPay Account, your recurring annual expenses are managed effortlessly—so you never miss a payment again.
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
