It has never been easier to access and manage your account with us. We have a range of Electronic Services that mean that you can transfer money, check your accounts online and organise direct debits at a time and place that suits you.
PSD2 – Strong Customer Authentication
A new European regulation (Payment Services Directive 2/ PSD2) relating to payment services comes into force on 14 September 2019. This will affect the whole banking industry, and will further protect your online banking and payments.
These new regulations will affect your use of our Online Banking Services – Mobile Banking and Internet Banking. From July 2019 onwards, when you log in and make certain online payments, you may be asked for additional security, as well as your current log-on details. This extra security layer is to apply what is known as Strong Customer Authentication (SCA). You may have used or seen this on other websites called Two Factor Authentication, and it helps fight fraud by strengthening your existing log-on details.
Online & Mobile Banking
Manage your credit union account wherever suits you. Registration is easy – register today.
Mobile App
Your credit union in your pocket! Our Mobile App is available for free download on all Apple and Android devices. This app provides you with mobile access to your Online Banking account, so you can do your banking wherever you are. Learn more.
Mobile & Online Banking Features:
- Biometric login facilities (device dependent)
- Transfer funds
- Online loan application
- End-to-end loans
- Bill payments
- Add & manage payees
- Manage your accounts
- View and print statements
- Upload documents
- Send us secure messages
Electronic Funds Transfer
You can transfer funds electronically from your credit union account to a bank account of your choice in a safe, and convenient way. You can set up an EFT through your Online Banking account or call us or pop into any of our branches.
You can also transfer funds from your bank into your credit union account through Online Banking or credit transfer at your bank branch – all you need is your credit union BIC and IBAN numbers, which you can get on your online banking account or by contacting us on 063 98355.
There is no charge by your Credit Union for this service.
Standing Orders
Standing Orders can be set up by members so that regular payments can be made from your bank account into your credit union savings account or off your loan for fixed amounts. You set it up with your bank and only you can make changes to it.
You will need your credit union BIC and IBAN numbers, which you can get on your Online Banking account or by contacting us on 063 98355.
SEPA Instant Payments
Helping you move your money at the speed of life!
SEPA Instant is a new payment system that allows for near real-time Euro transfers across Europe. This means that when you send money using SEPA instant, the recipient receives it within seconds.
Instant Payments allow you to:
- Transfer funds in seconds (typically 10 seconds) – Send and receive payments instantly; any time, any day, even on holidays
- Get immediate confirmation when money is sent or received
- Simplify everyday payments – from splitting bills to covering emergencies
- Available 24/7/365, including weekends and bank holidays
Verification of Payee (VoP)
Since 9th October 2025, Kilmallock Credit Union, has introduced Verification of Payee (VoP). This is a new security feature required under the EU Instant Payments Regulation 2024, designed to help reduce fraud and prevent payments going to the wrong account.
VoP is a new added layer of security being introduced. VOP works by checking the payee name entered for a payment against the name associated with recipient’s account. This provides greater assurance that the recipient is who you think they are.
VOP is about giving customers greater control and confidence when making payments and it adds an extra layer of protection.
Direct Debits
Direct Debits In: A Direct Debit can be set up to deduct money automatically from your bank account into your credit union account on a regular basis – weekly, fortnightly or monthly. This is a great way to make your loan repayments. All you need to do is complete a Direct Debit Mandate return it to us and we’ll do the rest!
Direct Debits Out: Direct debits can also be set up to make sure that your bills are paid regularly and on time. A Direct Debit can be set up to pay any service provider from your credit union account and is a simple and reliable way of making repayments for your bills. To set one up all you need to do is provide the service provider with your credit union BIC & IBAN numbers, which you can get on your online banking account or by contacting us on 063 98355
Please note, it can take up to 7 days for your bank to set up a Direct Debit.
Regular Bill Payments
Regular bill payments can also be set up from your credit union account. You can set these up through your Online Banking account or in-branch.