The credit card in question, provided by ANSAC Credit Union Ltd, offers a range of practical features. It includes a globally accepted Debit Mastercard, facilitating easy access to funds worldwide, both online and offline. This card supports contactless payments and is compatible with Apple Pay, Google Pay, and Fitbit Pay, enhancing its usability in various payment scenarios. Additionally, it offers features like cashback at participating retailers, transparent fees, and support for overdrafts without surcharge interest. This card is designed to cater to day-to-day financial needs, offering a secure app and online portal for managing finances. ANSAC Credit Union emphasizes a local, trustworthy approach, with a commitment to sensible financial management. This card aims to blend the convenience of modern banking solutions with the reliability and community focus of a credit union.


Benefits of the Card

The ANSAC Credit Union Debit Mastercard offers a range of benefits designed to meet the everyday financial needs of its users. This card is not just a payment tool; it represents a blend of modern banking convenience with the trusted, community-focused approach of a credit union. Below are some of the top key benefits of this card, each accompanied by a detailed explanation:


Globally Accepted Debit Mastercard

The card is globally accepted, meaning it can be used for transactions anywhere Debit Mastercard is accepted. This includes millions of locations worldwide, both in physical stores and online. This feature offers cardholders the convenience of making purchases and accessing funds globally, ensuring ease of use during international travel or for online international shopping.

Cashback at Participating Retailers

Cardholders can enjoy cashback benefits at participating retailers. This feature allows users to receive a percentage of their purchase amount back, which can lead to savings over time. The cashback program is a way to reward spending and encourage savings, enhancing the card’s value for regular purchases.

Contactless Payments

The card supports contactless payments, a fast and secure way to make small purchases without entering a PIN or signing a receipt. This technology enhances the convenience and speed of transactions, particularly useful in busy retail environments or when making small, routine purchases.


Compatibility with Digital Wallets

The card is compatible with major digital wallets like Apple Pay, Google Pay, and Fitbit Pay. This integration allows for secure and convenient mobile payments, aligning with the growing trend of using smartphones for financial transactions. It adds an extra layer of convenience, allowing users to pay with a tap of their phone or smartwatch.

Transparent and Low Fees

The card is characterized by its transparent fee structure. This transparency ensures that cardholders are fully aware of any charges associated with the card, fostering trust and allowing for better financial planning. The low fees associated with the card make it a cost-effective choice for day-to-day banking.

Overdraft Support Without Surcharge Interest

The card offers support for overdrafts without surcharge interest. This feature provides a safety net for unexpected expenses, allowing cardholders to temporarily exceed their account balance without incurring excessive fees. It offers financial flexibility, particularly in emergency situations or when facing unplanned expenditures.

Prerequisites to obtain the ANSAC Credit Union Debit Card

To apply for the ANSAC Credit Union Debit Mastercard, there are specific requirements that need to be met, as outlined in the credit union’s brochure. These prerequisites are factual and provide a clear understanding of who is eligible for this card:

  1. Membership with ANSAC Credit Union: The applicant must be a member of ANSAC Credit Union Ltd. 
  2. Residency: The applicant must be a resident in the Republic of Ireland. This requirement ensures that the card services are provided to individuals within the credit union’s operational jurisdiction.
  3. Age Requirement: Individuals can be 18 years or older.

About Ansac Credit Union Financial Institution

ANSAC Credit Union, standing for ‘Army Naval Services Air Corps’, has a notable presence in the financial sector, particularly among the Defence Force community in Ireland. With over 6,200 members, the credit union offers various financial services and prides itself on assisting members in managing their finances efficiently. It has a mission to provide services that improve the social and economic well-being of its members. ANSAC Credit Union emphasizes the importance of community support and has been involved in supporting numerous causes related to its members over the past 30 years. The credit union operates on the principles of equality, equity, and mutual self-help.

Who is the ANSAC Credit Union Debit Card?

The ANSAC Credit Union Debit Mastercard is primarily aimed at members of the Defence Forces community in Ireland, including Army, Naval Services, and Air Corps personnel. It caters to individuals who seek a reliable, secure, and convenient financial tool for their everyday transactions. This card is particularly suitable for those who value the community-oriented approach of a credit union and require a card that offers modern banking features like contactless payments, digital wallet compatibility, and cashback benefits at participating retailers. It is designed for members who appreciate transparent fees and seek a financial product that aligns with the ethos of mutual support and economic well-being promoted by ANSAC Credit Union.


Step by Step to Apply for the ANSAC Credit Union Debit Card

To apply for the ANSAC Credit Union Debit Mastercard, you can follow these steps:

  1. Membership Requirement: Ensure you are a member of ANSAC Credit Union. If you are not already a member, you can apply for membership through their app or via their membership page.
  2. Online Registration: If you are already registered for online access with ANSAC Credit Union, simply log in to your online account. If not, you need to register for online access first.
  3. Account Opening: Once logged in, select ‘New Current Account’ from the balances screen to open an account.
  4. Applying through the App: You can also apply for the card through the ANSAC Credit Union mobile app. This app allows you to manage your accounts conveniently and apply for a loan securely, anytime and anywhere. The app is available on both the App Store for iOS and Google Play for Android.
  5. Additional Documentation: Be prepared to upload relevant documents such as proof of ID and address.

Positives and Negatives of the ANSAC Credit Union Debit Card


  1. Global Acceptance: The card is widely accepted globally, offering convenience for international transactions.
  2. Cashback Benefits: Offers cashback at participating retailers, providing an opportunity for savings.
  3. Contactless Payments: Supports contactless payments for quick and easy transactions.
  4. Digital Wallet Compatibility: Compatible with Apple Pay, Google Pay, and Fitbit Pay, enhancing its usability.
  5. Transparent Fees: Features a clear and straightforward fee structure.
  6. Overdraft Support: Provides support for overdrafts without surcharge interest, adding financial flexibility.


  1. Monthly Maintenance Fee: The card has a monthly maintenance fee of €4.00, charged quarterly​​.
  2. Referral Item Fees: There is a referral item fee of €5.00 per item, up to a maximum of €15.00 per day​​.
  3. Government Stamp Duty: Debit cards are subject to annual Government Stamp Duty, charged at €0.12 per ATM transaction, with caps based on usage​​.

How to Activate the ANSAC Credit Union Debit Card?

Upon receiving the ANSAC Credit Union Debit Mastercard, the activation process is straightforward but requires that you are registered for online access to your account. Here are the general steps to follow:

  1. Online Banking Registration: If you haven’t already registered for online access, you need to do so. Registration can be completed on the ANSAC Credit Union website. A member of staff will reach out to you to verify your identity and complete the registration process. Once verified, a PIN will be sent to you securely via SMS or by post.
  2. Login to Online Banking: With your PIN received, you can log in to your online account using your member number, date of birth, and PIN.
  3. Card Activation: The specific steps for activating your debit card are not explicitly detailed on the website. However, typically, card activation can be done through your online banking portal or by following instructions provided with the card. In some cases, you might need to perform a transaction like withdrawing money from an ATM or making a purchase to activate the card.
  4. Customer Support: If you encounter any issues or have questions about the activation process, you can contact ANSAC Credit Union directly for assistance.

Fees and Tariffs

The main costs associated with the ANSAC Credit Union Debit Mastercard are as follows:

  1. Account Maintenance Fee: €4.00 monthly, covering various transaction fees.
  2. ATM Withdrawal Charges: First 5 withdrawals per month are free; €0.50 per withdrawal thereafter.
  3. Government Stamp Duty: €0.12 per ATM transaction, capped at €2.50 for ATM-only use and €5.00 for both ATM and Point of Sale transactions.
  4. Overdraft Fees: €25.00 for setting up or renewing an overdraft facility.
  5. Currency Conversion Fees: 2.0% for non-Euro debit card purchases, and 3.5% for non-Euro ATM withdrawals.
  6. Other Charges: Including fees for unpaid direct debits, standing orders, and cheques, each at €10.00.

For a detailed breakdown of all fees and charges, you can refer to the ANSAC Credit Union Fees & Charges document.

Customer Service

For assistance regarding the ANSAC Credit Union Debit Mastercard or other services, you can contact ANSAC Credit Union through various channels:

  • Phone: You can call Ansac Credit Union at +353 1 855 4489 for direct assistance.
  • Email: For queries via email, you can reach them at [email protected].
  • Official Website: Visit ANSAC Credit Union’s website for detailed information about their services, online banking, and more.
  • Social Media: They are present on various social media platforms for updates and direct messaging. You can connect with them on Facebook, Twitter, Instagram, etc.
  • Mobile Apps: The ANSAC Credit Union Mobile App is available for download on both App Store for iOS and Google Play for Android. The app allows you to manage your accounts and access services on the go.]