To activate your card, go to ‘Activate Your Card’ at tcu.com.au/cdc or download the TCU CDC mobile app on your smartphone (available at Google Play and the Apple App Store) and follow the prompts to activate your card.

When you activate your card, make sure you have your card with you, together with the letter you received with it.

Alternatively, you can visit a TCU branch or contact our Customer Service Centre on 1800 828 232 (freecall) who will assist you with activating your account.

After you have activated your account, you will need to set your PIN before you can use your card.

TCU branches are located in the Northern Territory.  Visit our dedicated TCU branch staff for assistance with:

• activating your card
• balance enquiries
• setting up direct debits
• setting up your online banking account
• setting up your mobile app
• providing a temporary replacement card
• collecting of your personalised TCU card

You can find your nearest TCU branch here or by calling the Customer Service Centre on 1800 828 232 (freecall).

Instead of sending statements to your postal address, at your request we can provide you with statements electronically.  You can request electronic statements by logging into your online account or TCU CDC mobile app and following the prompts, or by calling the Customer Service Centre on 1800 828 232 (freecall).

We will send you a statement showing your transaction history once every 6 months.  You can request monthly statements by logging into your online account or TCU CDC mobile app and following the prompts, or by calling the Customer Service Centre on 1800 828 232 (freecall).

You can set up alerts by logging into your online account or TCU CDC mobile app and on the homepage go to ‘settings’ then select ‘manage alerts’. 

Alerts can be set up to notify you of deposits, declined transactions, new statements, low balance and purchases made using your card.

You have received a Cashless Debit Card as part of the Cashless Debit Card program, an initiative of the Australian Government.

For most Northern Territory participants, under the Cashless Debit Card program 50 per cent of your welfare payments are placed on your Cashless Debit Card account which restricts access to cash, purchasing alcohol or gambling products, and specific cash-like products, gift cards and prepaid cards.  The remaining 50 percent of your welfare payments are placed into your regular account.  This may differ depending on which measure you are on (e.g. the Child Protection Measure).

The Cashless Debit Card is issued by The Traditional Credit Union, the card provider.

For further information about the Cashless Debit Card program, please refer to the Department of Social Services.

In the Northern Territory, the Cashless Debit Card program applies to Income Management participants who have chosen to transition to the Cashless Debit Card.

You are a Northern Territory Program Participant Account Holder if your address is or was (from 17 March 2021) within the Northern Territory, when your Cashless Debit Card account was first opened; or

You are a Northern Territory Voluntary Participant Account Holder if your address is or was at any time within the Northern Territory.

More information about the program criteria, types of payments and program locations can be found here.

Yes, you will earn interest at a rate of 1% per annum on money held in your Cashless Debit Card Account.  Interest is paid monthly on the last day of the month.

As interest forms part of your assessable income, we recommend that you provide us with your Tax File Number (or advise of any relevant exemption) to ensure that we do not have to withhold any tax on the interest earned on your account.

TCU does not charge fees to Cashless Debit Card participants.  You will be able to make unlimited purchases on your card and check your Cashless Debit Card account balance or transaction history online for free.  Lost or stolen cards will be replaced at no cost.

Yes.  You can choose to have contactless on or off.  To make contactless payments using your Cashless Debit Card, log in to your online account or TCU CDC mobile app and go to ‘settings’ then ‘transaction settings’. 

Once you have selected to turn “ON” the contactless function on your Cashless Debit Card, you will need to make one purchase using your PIN number.  At a point-of-sale terminal, insert your Cashless Debit Card into the device and press “CR” or “Credit” and enter your PIN.  After this initial transaction you can pay by tapping your card on a payWave enabled terminal and waiting for the transaction to be confirmed.  There is no need to enter a PIN for purchases of $100 or less (or $200 or less at some businesses).

If you would like to turn off contactless payments, log in to your online account or TCU CDC mobile app and go to ‘settings’ then ‘transaction settings’ to turn “OFF” the contactless function on your Cashless Debit Card.

You can call our Customer Service Centre on 1800 828 232 (freecall) for assistance.