Yes.  As a TCU Cashless Debit Card account holder you can download and use free of charge the Traditional Credit Union Cashless Debit Card mobile app via the Apple App Store or Google Play.  The mobile app is called “TCU CDC”.  The mobile app has the same functionality as the online Cashless Debit Card website.

You can use your Cashless Debit Card at any merchant that accepts eftpos or Visa (including online stores) provided that the merchant does not sell alcohol, gambling products or specific cash-like products, gift cards and prepaid cards.  If a merchant’s primary business activity is the sale of alcohol or gambling products (e.g. a bottle shop or casino), it will be blocked automatically and you will not be able to use your Cashless Debit Card.

You may be able to use your Cashless Debit Card to purchase goods and services from a store that sells both restricted goods (such as alcohol, gambling products or specific cash-like products, gift cards and prepaid cards) and unrestricted goods if that store has arrangements in place not to process transactions that include restricted goods.  These stores are referred to as “Participating Mixed Merchants” and are listed here.

If a store selling both unrestricted and restricted goods has no arrangement in place to prevent transactions for restricted goods, it will not be able to accept the Cashless Debit Card.  These stores are referred to as “Blocked Merchants” and can be found here.

When you receive your new Cashless Debit Card, you must activate it to be able to use it.  The information that is delivered with your Cashless Debit Card explains how to activate your Cashless Debit Card.

You can also find out how to activate your Cashless Debit Card here.

Once your Cashless Debit Card is activated and funds have been deposited into your Cashless Debit Card account, you can start using it.  Please note that your welfare payment is deposited into your Cashless Debit Card account on the day your welfare payment is due.

Any of the options will work for the Cashless Debit Card.  To make a purchase at a point-of-sale terminal, insert your Cashless Debit Card into the 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).

The initial daily limit on your Cashless Debit Card is set to $1,000 per day.  This is in place to protect your Cashless Debit Card account in the instance of it being lost or stolen.

You can increase or decrease this limit by logging into your online account or TCU CDC mobile app, or by calling the Customer Service Centre 1800 828 232 (freecall).

Yes.  You can shop at most online stores using your Cashless Debit Card. Online stores where you cannot use your card are listed on the Blocked Merchants List. 

If the welfare payment in your Cashless Debit Card account is incorrect, you will need to contact Services Australia.  TCU has no control over the money Services Australia pays you.

If you see a transaction on your Cashless Debit Card account that you did not make, or your Cashless Debit Card is lost or stolen, you should immediately call the Customer Service Centre on 1800 828 232 (freecall) or 1800 621 199 outside business hours.  If a transaction was not made by you, it could be fraud and a block will need to be placed on your Cashless Debit Card and/or account.  This is to stop further charges being made to your Cashless Debit Card account. 

You can block your own Cashless Debit Card by going online and following the steps below:

• Log in to your Cashless Debit Card account or TCU CDC mobile app
• Click on the Settings link
• Click on the Block Card link
• Click on Block Card button.

Once you block your Cashless Debit Card, it cannot be unblocked and you will need to request a new Cashless Debit Card be sent to you.  Remember that when you block your Cashless Debit Card, you are not blocking your online Cashless Debit Card account.

Depending on where you live, you may be able to pick up a temporary Cashless Debit Card from your nearest TCU branch or a Services Australia.  Contact the TCU Customer Service Centre on 1800 828 232 (freecall) to find the nearest TCU branch that has temporary cards available or the Cashless Debit Card Hotline on 1800 252 604 (freecall) to find the nearest Services Australia location with TCU temporary cards available.

There are a number of reasons why your Cashless Debit Card may decline.  You should contact the Customer Service Centre on 1800 828 232 (freecall) and they will be able to review your Cashless Debit Card account and tell you why your Cashless Debit Card was declined.  Alternatively, you can check whether the store has been blocked by searching the Blocked Merchants List. 

If you have registered for SMS alerts you will receive an SMS message after the transaction has been declined to show the reason for your card not working.

If your local shop primarily sells restricted goods such as alcohol, or allows gambling activities, it will be blocked.

If the shop does not primarily sell restricted items and still refuses to accept your Cashless Debit Card, call the Customer Service Centre on 1800 828 232 (freecall) to discuss the issue. View more information on where you can shop.