CDC Cardholder Information

To log into the TCU CDC Internet Banking site, click below.

To activate you new TCU CDC Card; click below, call us on 1800 828 232 (freecall) or visit a TCU Branch.

Welcome to the Traditional Credit Union (TCU) Cashless Debit Card website.  Here you will find everything you need to know about how to use your Cashless Debit Card account.

The Cashless Debit Card program is an initiative of the Australian Government.

There are restrictions on Cashless Debit Cards and accounts to prevent access to cash and the purchasing of alcohol, gambling products, and specific cash-like products, gift cards and prepaid cards.

The following links provide more information about where you are able to shop and the functionality of the Cashless Debit Card and account.

For information on the policy behind the Cashless Debit Card program, please visit the Department of Social Services’ Cashless Debit Card website

How it works

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.

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 per cent 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 looks and operates like a regular bank card and you can use it to shop almost anywhere, including online.  While most merchants accept the Cashless Debit Card, you won’t be able to use it at places that primarily sell alcohol, gambling products, or specific cash-like products, gift cards or prepaid cards, which will decline the transaction at the point-of-sale.  The withdrawal of cash is also not permitted.  Click here for a list of blocked merchants, where your card will not be accepted.

Your Cashless Debit Card account provides you with a range of payment options including BPAY, direct debit, recurring deductions, and online transfers.  There are limits on how much you can transfer.  Find out more about transfer limits. 

You can see answers to Frequently Asked Questions by visiting our cardholder FAQs page.

You can read the Conditions of Use here. 

For information on the policy behind the Cashless Debit Card program, please visit the Department of Social Services’ Cashless Debit Card website.

Using your Cashless Debit Card to make in-store purchases

To use your Cashless Debit Card to make a purchase in-store, you can insert your Cashless Debit Card into the EFTPOS device and press “SAV” or “Savings” or “CHQ” or “Cheque” or “CR” or “Credit”, then follow the prompts to enter your PIN.

If you have contactless payments turned on, 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).

You can find out how to turn on or off contactless payments here.

You can use your Cashless Debit Card at any store, with the exception of blocked merchants

If you have forgotten your PIN, you can reset it by following these steps

Using your Cashless Debit Card to make online purchases

To use your Cashless Debit Card to make a purchase online follow the merchant’s prompts to enter your Cashless Debit Card number and CVV (the three (3) digit number on the back of your card).

You can use your card to purchase unrestricted goods at online stores, with the exception of blocked merchants

Transferring funds from your Cashless Debit Card account

Total Daily Transfer Limit

There is a maximum amount of funds that you can transfer out of your account on any given day.  This is called your ‘Total Daily Payment Limit’.  By default, the Total Daily Payment Limit is set at a maximum amount of $10,000. 

You can change your Total Daily Payment Limit at any time by logging into your online account or the TCU CDC mobile app, going to ‘Settings’ and following the prompts, or by calling the Customer Service Centre on 1800 828 232 (freecall).

You can find out your available account balance and remaining daily payment amount at any time by logging into your online account or the TCU CDC mobile app and going to ‘Settings’ and following the prompts, or by calling the Customer Service Centre on 1800 828 232 (freecall).

Daily Limit

The maximum amount you may spend using your Cashless Debit Card in any one day is set at $1,000 (which can be increased to up to $5,000).  You can change the daily spend limit at any time by logging into your online account or the TCU CDC mobile app, going to ‘Settings’ and following the prompts, or by calling the Customer Service Centre on 1800 828 232 (freecall).

Internal transfers

There are no limits for transfers you make from your TCU Cashless Debit Card account to another TCU Cashless Debit Card account.

Internal transfers also include using your card to purchase goods or services at a point of sale terminal device or online, using BPAY Payments or Direct Debits.

External transfers

When making a transfer from a TCU Cashless Debit Card account to another account that is not a TCU Cashless Debit Card account (referred to as an “External Transfer”), the following limits apply:

  • Housing Limit
  • Your Housing limit is set at $0 as a default.  

If you have any private housing arrangements, including if you pay rent or board privately or have mortgage repayment obligations, you should contact the Cashless Debit Card Hotline on 1800 252 604 (freecall) to discuss the options available to you.  Available options may include instructing TCU to increase your transfer limit for “Housing Payments”.

If your Housing Limit has been increased from the default amount, you are able to transfer up to the new limit set every 28 days.  You can check your available account balance at any given time by logging into your online account or the TCU CDC mobile app, and following the prompts, or by calling the Customer Service Centre on 1800 828 232 (freecall) for assistance.

Indue Cashless Debit Card Account

There are no restrictions when transferring money from your TCU Cashless Debit Card account to an Indue Cashless Debit Card account.

Shopping with your Cashless Debit Card

The Cashless Debit Card looks and operates like a regular bank card and can be used at almost any merchant that accepts Visa or eftpos.  The Cashless Debit Card is also accepted online at merchants that do not sell restricted goods and services.  The Cashless Debit Card program has arrangements in place to manage merchants that sell restricted goods, or a mixture of restricted and unrestricted goods.

A Mixed Merchant is a business that sells both restricted and unrestricted goods.  Common examples of restricted goods are alcohol, gambling products, and specific gift cards and prepaid cards.  Most Mixed Merchants will be able to accept your Cashless Debit Card for some purchases.  Participating Mixed Merchants, included in the list here, have signed an agreement to accept the Cashless Debit Card.

Most Participating Mixed Merchants are pubs or hotels, where you can use your Cashless Debit Card to purchase food or accommodation and not alcohol or other restricted goods.  Businesses who primarily sell unrestricted goods, such as licensed cafés and restaurants, will be able to accept the Cashless Debit Card automatically and will not appear on the Participating Mixed Merchant List.

Some merchants are blocked from accepting the Cashless Debit Card. Businesses whose primary business is selling restricted goods (such as pubs, TABs, casinos and bottle shops) will automatically be blocked and will not appear in the Blocked Merchant list.  Some other businesses have been blocked to prevent access to cash and the purchasing of restricted goods.  Businesses that have been blocked are listed in the Blocked Merchant List here

Please note: Although BPAY payments to Australia Post are blocked, you can pay bills for other merchants (e.g. utility bills) at Australia Post.