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Frequently Asked Questions
Discover answers to the most common questions about our banking services
How can I open a current account online?
Go to our "Open an account" page, fill in the online form with your personal details and upload the required documents (ID, proof of address). The process usually takes just 10 minutes.
What are the account maintenance fees?
Fees vary depending on the type of account. Our basic account is often free with a monthly income. Please see our detailed fee schedule in the "Accounts" section for more information.
Is it possible to get a mortgage without a personal deposit?
A personal deposit is usually required to cover at least the solicitor's fees and guarantee costs. However, we consider each application individually. Contact an advisor to discuss 100% financing options.
What is the limit on my debit/credit card?
Your card limit is set when you open the account, but it can be checked and changed via your online banking or mobile app, subject to the bank's approval after reviewing your financial situation.
How does the 3D Secure security system work?
3D Secure is a security protocol for online payments. During your purchase, you receive a unique code by SMS or via our app to confirm the transaction, providing protection against fraud.
Can I make real-time transfers?
Yes, Euro Credit Alliance offers the instant transfer service (Faster Payments in the UK, and SEPA Instant for euro transactions) allowing money to reach the beneficiary in seconds. This service may incur a fee depending on your package.
What should I do if I have lost my bank card?
Contact our 24/7 card blocking service immediately or do it directly via our mobile app. An advisor will help you block the card and order a new one.
Do you offer investment products (shares/funds)?
Yes, Euro Credit Alliance offers a comprehensive range of savings and investment products, including share dealing accounts and fund savings plans. Make an appointment with a wealth management advisor to establish a personalised plan.
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