Engage: The Visa debit card available with Central Credit Union
As a member of Central Credit Union you can open an Engage account. There are two types of Engage accounts available: Classic and Smartcash (for children and teenagers).
For more information on these accounts and Engage, please read below.
What is Engage?
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. This account is for our members over the age of 16.
Engage is a convenient and rewarding alternative to a traditional bank account. You can receive regular funds, such as wages, benefits, or a loan from your the credit union, into your Engage account, giving you instant access to your money without the risks or hassle of carrying cash.
With cashback rewards, budgeting tools, instant payments and a handy app, Engage helps you make the most of your money.
- Get loans, wages or benefits paid into your account
- Earn cashback rewards on everyday shopping
- No credit checks required
- Instant access to your money
- Contactless Visa debit card and phone pay
The Classic account
- No fees to set up and just £2.30 a month management fee
- No cost to make a purchase within the UK
- Withdraw cash at ATMs or Post Offices*
- Free cashback service at participating retailers
- Send money with same-day transfers^
- Pay your bills by transfer or standing order^
- Earn cashback rewards on everyday shopping and services
*99p fee for UK ATM withdrawals and 75p fee for cash withdrawals at a Post Office.
^15p fee for sending same-day, next-day, or future dated payments via Faster Payments.
The Smartcash account
Smartcash is a digital account and Visa debit card that helps children and teenagers learn healthy financial habits and the importance of money management. It provides kids and teens with a safe stepping-stone towards full financial independence. Smartcash is exclusively for 8–16-year-old credit union members.
The Engage Smartcash account is free for the child or teenager and is linked to a parent or carer’s paid for Engage account and debit card. Each account is provided with parental monitoring and safe limits on cash withdrawals and daily spending.
Each Smartcash account comes with:
- Junior digital mobile banking app
- Parental authorisation and control
- Contactless Debit Card with safe spending/withdrawal limits
- A “Save” feature to let pocket money be sent to a savings account, teaching kids and teens to save
- A ‘request pocket money’ feature from parents or carers, ability to receive cash gifts or wages from a part-time job
- Cashback rewards
- Free to load money from parents’ account via bank transfer or standing order.
- No management fees or costs for purchases made within the UK.
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. Based on an average weekly grocery shop, you can easily earn more than enough to cover the monthly Engage Card management fee! For details of participating Engage reward retailers, download the Engage app today or visit www.engageaccount.com/rewards
How to get your Engage Visa debit card
- Decide which Engage account is best for you – Classic, Premium or SmartCash
- Speak to a member of staff for our unique code – these codes differ depending on whether you’re opening a Classic or Smartcash account)
- Download the Engage app via the App Store or Google Play
- Complete your application (this is where the unique code is important). Please ensure you have either your passport, driving licence or EU Identity card handy when you begin your registration on the app.
Terms and conditions apply. When applying for the Engage account, please review them, and ensure you fully understand and accept them before opening your account.