Welcome to Engage

Ethical alternative banking with your local credit union

The ethical account that rewards you

The Engage account and Visa debit card works just like an account from a high street bank but is only available from your Engage accredited credit union. You can use your Engage card to shop, pay bills and save money with our cashback rewards program.

Engage explained

With an Engage account, you can say goodbye to overdraft fees, high management charges and interest penalties.
Please take a minute to watch the video below.

Everything you expect from a high street bank
without the unexpected costs

You can access your account, view your balance, see a statement, transfer money and pay bills either online, over the phone or via the Engage mobile app.

You can have your wages or other income paid directly into your account and you can pay cash in at any PayPoint.

Low or No Fees

Taking control of your finances is easy with Engage, when you don’t have to worry about hidden fees or paying over the odds.

Visa Debit Card

Your own personalised card with account number and sort code; giving you safe and secure access across 30 million locations and 2 million ATMs worldwide.


The flexible and faster way to pay for your everyday essentials.

Rewards and Incentives

Up to 15% cashback on everyday shopping at local and national retailers. Exclusive discounts for utilities, mobile/broadband contracts and insurance products.

FREE Mobile app

Easier and quicker to access your account. View your balance, transactions, and fees from wherever, whenever you want.

Money Management Tool

Be in control of your finances with our innovative money management tool ‘Envelopes’. Use it to put money aside for all your everyday bills.

Engage account for everyone

There are four types of Engage account. All accounts are provided with a simple to understand, low cost or no cost fee structure that won’t push you into debt. Every Engage account puts you in total control of your money.

Classic Account

No nonsense, pay-as-you-go package that comes with a low monthly management fee. Ideal if you want to take more control of your finances without paying over the odds.

Classic Account
  • Apply for FREE
  • Easy application – no credit checks
  • Standing orders available
  • Limits for loads, withdrawals and balances
  • Free loads via your credit union and bank transfers

Learn More

Smartcash Account

A simple, safe and great way for young people (8 up to 16 years) to learn about managing money.

Smartcash Account
  • FREE for any UK purchases
  • No monthly management fee
  • Can be monitored and controlled by parents
  • Limits for loads, withdrawals and balances

Learn More

2016 Engage Current Card 09122016.

Current Account

Now you can tap into a full current account service similar to high street banks but available exclusively from your credit union. Ideal for regular users, who require advance account services and exclusive rewards.

Current Account
  • Contactless Visa debit card
  • Direct debits
  • Faster payments
  • More exclusive national and local rewards

Learn More

*All customers must have regular monthly payments into the current account to qualify and will be credit checked accordingly. Subject to credit union standards.

apply for an engage account today

Manage your account on the go

Our free mobile app makes it easier to access your account and manage your money wherever, whenever you want

  • Check your balance
  • View transaction
  • Set up your Money Management Tool to pay bills or to put money aside
  • Request money from other Engage accounts
  • Send money to other bank and Engage accounts
  • View the latest cashback rewards
  • Locate your nearest PayPoint
  • Update your information
  • Request a call back from our customer service team

 Available from:

Fair, honest, trustworthy

Say goodbye to overdraft fees, high management charges and interest penalties! Engage is an ethical prepaid account with no overdraft facility; you can only spend what is loaded onto the account.

Making sure all accounts are provided with a simple to understand, low cost or no cost fee structure that won’t push you into debt, Engage is exclusively designed for you and your local credit union.

Engage has a fair, honest and ethical approach to banking, putting you in control of your money.

Apply for engage

apply for an engage account today