Services

On the Move? Manage your money anywhere, anytime.

We have now made it easier for you to manage your money ‘on the go’ and in a way that is convenient for you. All you need to do is download the Mobile App to securely check your balances, pay bills and transfer funds internally / externally.

Features

  • Secure Member Login – Have peace of mind knowing that your data is secure
  • Check your account balances on the go
  • Transfer funds between your accounts
  • Transfer funds to existing external payee’s

Security

When you login, you will be asked for your Member Number, date of birth and the same PIN that you use for accessing the online member area. We ensure that all your personal data is encrypted on secure servers. For additional security make sure that you are accessing your account information privately.

To download the app today please go directly to the App Store or Google Play Store and search for the Dubco Mobile Banking App. This facility is open to all members who have registered for Online Access.

Terms and Conditions Apply

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Death Benefit Insurance Scheme

Death Benefit Insurance (DBI) is a group policy that is available to eligible members to provide a modest amount of life insurance. DBI provides cover for a deceased member’s family to offset bereavement expenses. The cost of this insurance is paid by the member.

Life Savings Insurance

This is an insurance cover provided free by Dubco for its members as an additional incentive for them to build up their shares and as a death benefit for their families. Subject to terms and conditions the amount of insurance payable is in proportion to the amount of shares (up to a maximum of €13,000) a member had at certain ages. For Example:

  • Shares lodged between 0 months & 6 months – 25% cover
  • Shares lodged between 6 months & 55th birthday – 100% cover
  • Shares lodged between 55th & 60th birthday – 75% cover
  • Shares lodged between 60th & 65th birthday – 50% cover
  • Shares lodged between 65th & 70th birthday – 25% cover

Once earned the insurance remains in place provided the shares are not withdrawn, subject to the pre-existing condition limitation (set out below). On the death of a member Dubco will transfer the proceeds of the Life Savings insurance claim to the nominee (or next of kin if no nomination exists) in addition to the savings in the nominating member’s account(s).

Loan Protection Insurance

Loan protection cover is provided by Dubco at no direct cost to members and will discharge an eligible member’s loan liability existing at the time of their death provided that the member met certain terms and conditions at the time of loan issue. These terms and conditions can be summarised as follows:

For a member to qualify for loan protection cover when applying to take out a loan the member must fall into one of the following categories:

  • Working members (including unemployed members capable of working)
  • Homemakers (carrying on the normal activities of a homemaker)
  • Retired members (other than where retirement was due to ill health and member remains unfit for work)

If a member does not fit into one of the above categories then the loan protection cover will be limited to a maximum of €5,000.

For qualifying members, the maximum cover is €75,000 per member up to the age of 69 and €30,000 for members aged between 70 and 79. All cover (including the automatic cover) ceases at age 80.

Loan protection insurance is subject to a pre-existing condition limitation, as set out below

Pre-existing Condition Limitation

If a member dies within 6 months of drawing down a loan, and had been diagnosed or was being treated for a medical condition within the 6 months prior to the loan draw down, no loan protection insurance will be paid. This only applies if the member actually dies of the condition diagnosed and only applies to the amount drawn down in the pre condition period.

Home and contents insurance at competitive prices is available in association with Allianz to protect your most valuable assets – your home and its contents. The product is only available to Credit Union members and offers you the security of a wide range of cover for not only your home and its contents but also for holiday homes, investment properties, or even a caravan.

Product Features:

  • No hidden charges or administration fees
  • Built to suit Dubco members’ needs
  • Affordable & flexible (payroll based payment facility available)
  • Simple application process within Dubco – documents issued immediately
  • Fire Brigade charges covered up to €2,000
  • 90% of claims processed within 10 working days
  • Public Liability cover up to €3.175m

Contact a member of our Insurance Team on 01 887 0400 for a quote today.

If you’re thinking of taking a holiday, consider purchasing your travel insurance through Dubco. You can have peace of mind for you and your family knowing that you are covered by our Annual Multi-trip Travel Insurance from KennCo Underwriting.

CLICK HERE to purchase online or contact a member of our Insurance Team on 01 887 0400 for a quote today.

The Importance of Travel Insurance
You wouldn’t drive your car without motor insurance or leave your home uninsured, so why risk travelling without the necessary cover? Travel insurance is a necessity and should be part of your travel checklist when taking that well deserved break. Passports, tickets, money, insurance!

Why Annual Multi-trip?
It can be tempting to take out cover each time you take a trip but this can be timely and costly. Plus you run the risk of forgetting to get cover at all. One Annual Multi-trip policy will cover all trips. Whether you like to follow football or rugby, the odd weekend in a European city, a winter break, a summer holiday, or you take a trip around Ireland with at least 1 night pre-booked accommodation, then Annual Multi-trip is the right choice.

Cancellation Cover
It’s important to have cancellation cover in place once you have booked your trip, if not before.  Remember, its not just about when you’re on the way to the airport, once you’ve booked your flight or accommodation, you need insurance in place in case you can’t make the trip.

Be confident in your level of cover
KennCo Underwriting Ltd. provides a comprehensive Worldwide Annual Multi-trip product that is competitively priced. This policy covers not only you, the Dubco member, but also your spouse/partner and unmarried dependent children under 18 years or under 23 years if in full time education.  This policy automatically covers everywhere in the world.

Terms & conditions apply.

Please note that this policy is only available to members of Dubco Credit Union. If you are not a member and would like to purchase a policy please contact KennCo Underwriting directly on 01 499 4600.

When acting as an insurance intermediary Dubco Credit Union Limited is regulated by the Central Bank as a Multi Agency Intermediary.

Payment for car / home insurance may be made to AXA on an instalment basis from a members Dubco Budget Account and members will not be charged any extra administration charges by AXA to avail of this payment method. For more information on AXA discounts available to members click here.

AXA Insurance Limited is regulated by the Central Bank of Ireland. Your Credit Union is regulated by the Central Bank of Ireland and is acting solely as an introducer to AXA Insurance Limited.

Members with a Dubco Topaz Motor Fuel Card don’t need to carry cash or a credit card to pay for their motor fuel.

Fixed Price Nationwide

At Dubco we continue to recommend to our members that they shop around for the best deal at all times. Your Dubco Fuel Card will entitle you to a competitive price structure on all fuel costs. You’ll get savings of an average 2-3 cent per litre on both unleaded petrol and diesel. Average saving of 2-3 cent per litre is based on Topaz station pump prices throughout the Republic of Ireland (ROI).

Valid for petrol and diesel purchases, the card will guarantee a fixed weekly price on your fuel at all Topaz Stations nationwide. Currently, prices change midnight each Friday. One weekly price applies for all purchases in ROI. The pump price will not apply to any transactions. Members can sign up for text or email alerts from Topaz with the weekly Dubco card price.

Convenient Locations

With over 350 locations available nationwide there’s sure to be a Topaz station near you. Free text your current location to 50456 to find your nearest Topaz location, e.g. text ‘Dundalk’ to 50456 and you will instantly receive an SMS text with the exact location of the nearest service station (please note that this facility only operates currently in ROI.

No Government Tax

As the Fuel Card is not a credit card it does not attract any government tax.

Special Offers

Members can sign up to receive email alerts of current offers in store available to Fuel Card customers.

Queries?

If you have any queries please email fuel.cards@topaz.ie.

The Board of Directors are committed to enhancing the services it provides to our members. With this in mind, we are delighted to announce a mobile phone affinity deal with 3 for members of Dubco Credit Union.

Currently the smartphone offer of €28.91 per month (inclusive of VAT) includes:

  • Smartphone monthly costs which include all national landline calls
  • All Northern Ireland landline calls dialling 048
  • All National Republic of Ireland mobile networks
  • All ROI SMS texts and 2 GB of Data

This is a brilliant tariff and is open to all Dubco members and associates.

This offer is available to all numbers ported into  3 from any other network and is subject to a 24 month contract with a mandatory Direct Debit set up on your Dubco  Budget Account.

For further details of the offer check out https://www.threegovstaff.com/dubco/.