Finally there’s an account designed with your needs in mind

No credit checks and no lengthy applications. The Engage digital account is available exclusively to all Credit Union and Community Bank members… regardless of their financial circumstances.

Apply for Engage

Everything you expect from a digital account – with no hidden fees or charges

Say goodbye to high fees and unexpected charges. With Engage, you only ever pay for the services you need. There’s a small monthly account fee and then all other services are provided to you at no cost or low cost. For full terms and conditions click here.

Engage Explained

Find out how you can benefit from an Engage Account and the benefits of being a Credit Union member, please take a moment to watch the brief videos below:

The Engage Account

  • FREE to open an account (age 16+)
  • FREE digital app and contactless Visa Debit card
  • FREE additional card for joint account
  • No cost to make a purchase within the UK
  • Free cashback service at participating retailers
  • Pay by transfer/standing order/direct debit
  • Pay cash in at Post Office (subject to availability)
  • Send/request money from others
  • Budget with Engage Envelopes™
  • FREE alerts to help you track your spend in real time
  • Cashback rewards on everyday shopping and services


  • £10 minimum initial load/deposit
  • Up to £250 maximum ATM withdrawal per day
  • Maximum £10,000 card balance at any one time

Full terms and conditions here

Apply via your Credit Union

Engage Smartcash Junior member account

  • The Credit Union account for members aged 8-16
  • Teach the kids cashless money management skills
  • FREE junior digital mobile app
  • Debit Card with safe spending/withdrawal limits
  • Request pocket money from parents, receive cash gifts (e.g. birthdays) or from employers/part time job
  • Send money to Credit Union savings account
  • Parents/guardians have full authorisation
  • NO management fees or costs for purchases made within the UK


  • £10 minimum initial load/deposit
  • Up to £50 maximum ATM withdrawal per day
  • Maximum £500 card balance at any one time

Click here for Smartcash Terms and Conditions

Apply via your Credit Union
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 Digital Mobile app

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

Money Management

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

Apply for an Engage account today