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Tel: 028 71 266738 Email:

Services PrePaid Visa Debit Card

Electronic payments are making the everyday lives of hundreds of millions of people around the world safer, faster and easier. On International Credit Union Day, we launched our new Credit Union PrePaid Visa Debit Card. The prepaid debit card provides the convenience of a credit or debit card but allows you to set your spending limit according to your budget.

 The prepaid debit card works on a very simple premise: you use it just as would any other Visa payment card but the money is loaded onto the card before you spend it. Once the money on the card runs out, you cannot spend any more until you load more funds onto it. The Credit Union PrePaid Visa Debit Card makes it easy for you to create a budget and manage your money while at the same time enjoy a safe way to shop online and by phone. And it can be used everywhere that accepts Visa, all over the world.

You can use your card to pay for goods or services in any retailer that accepts Visa payments; get cashback when using the card to purchase an item where cashback is offered by the retailer; purchase goods and services online; make bookings or purchases by telephone; and withdraw cash from ATMs.

The prepaid debit card is also a safe and secure way to transfer funds to family or friends who are studying or working away from home or travelling abroad. You can load up their card with funds in our office ó funds they can then access using their card. And for young members* who shop and socialise with their friends at the weekend, the prepaid debit card is a convenient way for them to spend. Better than that, it is an excellent tool for teaching them how to budget because their spending limit can be set by you.

Advantages of the prepaid debit card: You can top up your funds over the counter in Derry Credit Union and have your approved loan paid onto your card instead of receiving a cheque or cash.

The prepaid debit card provides a secure and convenient way to carry money. If your card is lost or stolen, it cannot be used without your PIN.

Your prepaid debit card means you can say goodbye to credit and store cards with high interest rates. Because all transactions are electronically authorised, only money available on the card can be spent.

Fees and charges: Set up fees, services charges and transaction fees apply. A full list of these will be made available when you apply for your card.

How to apply: You can apply for your Credit Union PrePaid Visa Debit Card in our office during business hours by completing a short application form, paying the £5 card fee and presenting your Easy Shares passbook (minimum balance £10 required) along with two acceptable forms of i.d. ó one photographic and one showing your current, permanent address. You must maintain a minimum balance of £10 in your Easy Shares account. (A Member without an Easy Shares Account can open one to facilitate the PrePaid Card by presenting their blue passbook with two forms of i.d. as above and lodging a minimum of £10).

*You must have reached your 16th birthday to become a member of our credit union.

Visit our office for full Terms and Conditions and to apply for your Credit Union PrePaid Visa Debit Card!

Find Us here:
  • Derry Credit Union
  • Tel: 028 71 266738
  • Fax: 028 71 372144
  • Email:
  • Web:
Derry Credit Union LImited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 574104)