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Our Alternative to Credit & Debit Cards

Credit cards and overdrafts are very convenient, but can be very expensive and difficult to clear. The Credit Union offers a real alternative payment card product with our Engage Visa Card partners.

Our Alternative to Credit & Debit Cards

Credit cards and overdrafts are very convenient, but can be very expensive and difficult to clear. The Credit Union offers a real alternative payment card product with our Engage Visa Card partners.

 Engage: The ethical digital account and Visa debit card

available only from your local Credit Union

What is the Engage Account?

Engage is a fair and ethical digital account and contactless Visa debit card that works just like a high street current account, but with no hidden fees or unexpected costs. Costs start from just £2 per month.

Engage is the only account exclusive to Credit Unions and their members.

It is only suitable for those who want to save or borrow with the Credit Union. If you would like a similar service without joining the Credit Union then try the CredEcardPlus here.


Providing instant access to your money

Regular funds, or a Credit Union loan, are easily be paid directly into your Engage account. Once funds are received you can immediately access cash from an ATM, shop online or instore using your contactless Visa debit card, pay your bills and easily manage your money with the Engage digital mobile app.

  • Engage Accounts are FREE to open – from age 16+
  • FREE Digital banking app and contactless debit card
  • FREE additional debit cards
  • Low or no fees and no hidden charges
  • No cost to make a purchase within the UK
  • Withdraw cash at ATMs
  • Free cashback service at participating retailers
  • Pay your bills by transfer/standing order/direct debit
  • Pay cash into your account at PayPoint (and Post Office – coming soon)
  • Send/request money from others
  • Earn cashback rewards on everyday shopping and services


FREE notifications when your funds are available

Do you want to know the minute your money is available to you?

  • There is no need to contact or visit the Credit Union or call the customer services team, simply download the FREE Engage mobile app and receive instant notifications when your funds are paid into your Engage Account.
  • The app also provides you with up-to-the-minute balance and transaction information

Never miss a bill payment with Engage Envelopes

Take the stress out of budgeting and paying household bills.

Set up virtual savings envelopes in the Engage mobile app to help you budget for things like utility bills, rent/mortgage, council tax or for a special purchase. Then, when your bills are due Engage can automatically pay them by standing order or direct debit, or release funds back into your Engage account to spend by debit card or to withdraw cash.

Contactless payments with your debit card or mobile phone

The Engage Account is designed to make your life easier by packing all the features you need onto your mobile phone. As well as using your contactless debit card to make purchases, you can also use your smartphone to make contactless payments.


Engage: The account that rewards you!

With Engage you can earn up to 15% cashback at national and local retailers whenever you use your debit card to make a purchase.

For details of participating Engage reward retailers, download the Engage app today or visit


Get your Engage Account today

To open an Engage account simply contact the Credit Union for further details/fill out an application form and send to us.


With Engage your funds are 100% safe at all times

The Engage Account and Visa debit card is available exclusively to members via our network of Credit Union and community banking partners in the UK. Engage is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference Number: 900025) to issue e-money and is a member of Visa. Please note that electronic money products are not covered by the Financial Services Compensation Scheme. Instead, any funds received are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent, your funds are protected against claims made by creditors

Should you require any further information on how your money is protected, please email

Note also that Engage Account video links can be found at


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Engage Envelope – Money Management Tool

Want to take the stress and hassle out of paying your rent, mortgage, utilities, and phone bills? Your Engage account comes with a special feature that allows you to place money into virtual Envelopes so you don’t accidentally spend the cash you need to pay essential bills. Envelopes are simple to set up and can be done by the account holder. Once set up you don’t need to worry about them. Money will be automatically ring fenced when it comes into your Engage account.

Click to Download Engage Envelope – User Guide

Customer Service
Terms & Conditions
Engage Rewards

Fantastic rewards and offers available from national and local retailers when you use your Engage Visa debit card. You can have cashback rewards of up to 15% every time you use your Engage Visa debit card to pay for goods at any one of the following participating retailers:

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