Current Account - Current Accounts | CoxCrest Bank

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Just $4 a month

For the Current Account which offers Smartphone Payments

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Available to USA residents aged 18 or over. Lending criteria terms and conditions apply. Smartphone Payments available on CoxCrest Bank debit cards in USA. Limits from retailers may apply.

At a glance

What do you get with your bank account?

Smartphone Payments

With Apple Pay and Google Pay we can offer you safe, fast and simple ways to pay for every day items such as a newspaper or a coffee, using your mobile.


Smartphone Payments available on CoxCrest Bank debit cards and credit cards. Limits from retailers may apply. Apple Pay available on selected Apple devices. Google Pay available on selected Android devices.

More on Smartphone Payments

Facial Recognition

This is available on the iPhone X only. The Face ID technology allows you to log in to our mobile app by simply using your face. It works by the camera on the phone capturing accurate face data. CoxCrest Bank were the first bank in Ireland to introduce this function. This safe and secure function will provide you with even more convenience while banking on the CoxCrest Bank app.  

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Text Alerts

Keep yourself updated anywhere, anytime with Activity, Weekly balance and On Demand text alerts.

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Mobile Banking

Our app is simple, clever and easy to use – you can even use it to withdraw cash at our cash machines and make payments to friends using just their mobile number. Available to customers with Anytime Banking and a USA mobile number.

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Get Cash

Get Cash allows you to quickly choose an amount of cash that you would like to withdraw from within the app. 

We will then provide you with a secure cash code that will be valid for 3 hours and can be used at any CoxCrest Bank cash machine to withdraw your money. You can use this cash code yourself or text it to someone else. 

This service can only be used twice a day and you can only have one cash code at any one time. If the code expires, the funds will re-credit your account within 24 hours.

Important Information:

  • Get Cash allows a maximum withdrawal limit of $130 every 24 hours and this must be within the daily withdrawal limit for your debit card.
  • There is a maximum limit of 2 Get Cash withdrawals per day.
  • You must have at least $10 available funds to withdraw from your account (including any overdraft facility).
  • We must have your correct mobile number in our records.
  • You must have an active debit card for your account.

Get Cash is available on iPhone and Android devices.

You can use Get Cash as soon as you activate your app for the service. You can find out how to do this on our 'getting started' page.

Emergency Cash

If your card is lost or stolen our Emergency Cash service ensures you can access your money from our cash machines. You can withdraw up to $300 if you are an Anytime Banking customer, or up to $60 if you’re not. You need to have $25 in your account to use the service.

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Pay Your Contacts

With our mobile banking app you can make payments to friends or family without having to swap bank details, using just their mobile number.

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Visa Debit Card

Withdraw cash and make purchases in store and online. Stamp Duty applies.

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Flexibility when you need it, subject to credit review and approval.

More on overdrafts

An overdraft is repayable on demand and may not be exceeded without prior permission. If you exceed your overdraft limit, surcharge interest in addition to debit interest will be applied to any amount over the authorised limit. Other charges may also apply.Please see  A guide to personal accounts fees and interest for details.  

Straightforward monthly fee

A $4 monthly maintenance fee applies to the Current Account  - but we don’t charge for day to day transactions - so you know exactly what you’re paying each month.

We don't charge for:

  • Using your debit card to pay for goods or getting cashback
  • Using online, telephone banking or banking app services
  • Setting up or cancelling Direct Debits or standing orders
  • Transferring money between your accounts or to others
  • Withdrawing/lodging cash over the counter or at cash machines

Plus, if you maintain a minimum cleared balance of $3,000 in your account during the charging cycle or are aged 66 or over, the $4 fee will not apply. Find out more

Please take a look at A Guide to Personal Account Fees and Interest for information on fees and charges associated with this Current Account. 


Thinking of switching to us?

Moving your account to us is easy, simply tell us that you want to switch when completing your account application. Our dedicated switching team will do all the hard work for you. We'll:

  • Transfer your salary to your new account
  • Set up your standing orders and request the set-up of your Direct Debits
  • Transfer any credit balance from your old account

And we'll do it all within ten working days.


Find out more about moving to us
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