The ethical account that rewards credit union members

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.

At Manchester Credit Union, we’re delighted to offer you a brand new pre-paid visa debit card -

The ENGAGE Classic - the prepaid card you can bank on!

ENGAGE Classic is a reloadable prepaid card and e-account that works similar to a high street bank account. Anyone who's a member of Manchester Credit Union can apply and no credit checks are required.

  • Please note that Engage Visa debit card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. Any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent; your funds will be protected against claims made by creditors.

Find out more and view Terms & Conditions, Fees and privacy policy here

ENGAGE Classic is ideal for you if:

  • You don’t have a bank account or are looking for an easy alternative to high street banking
  • You want to have your wages or benefits paid into an account and have access to them immediately
  • You want to be able to manage your finances and budget easily
  • You want a safe and convenient way to spend your money at home or abroad
  • You are new to the UK
  • You have a poor credit history
  • You want to shop on the high street, online or by telephone but don’t have a payment card

ENGAGE Benefits

  • There are no overdraft fees or expensive letters if you accidentally miss a payment
  • Only spend what you have loaded into your e-account and card
  • Get instant access to your money via ATMs and get cash-back free from supermarkets and other retailers
  • Deposit and withdraw money at your local Post Office
  • Get your own UK sort code and account number
  • Get the free mobile phone APP (for iPhone and Android)
  • Use the online budget facility ‘The Envelope’
  • Up to the minute balance information by text, email, APP and ATMs
  • Ability to get statements, pay bills and set up standing orders from your own e-account
  • Pay money onto your card via your local PayPoint facility
  • Telephone and online UK-based customer service support available 6 days a week
  • Get unlimited cash rewards of between 3% and 15% paid back onto your card when you do your shopping
  • Exclusive online discounts – up to 60%


You can join Manchester Credit Union online if you live or work in:

  • Manchester
  • Trafford
  • Rochdale
  • Bury
  • Tameside
  • Stockport
  • High Peak

You will receive your ENGAGE Classic Card in the post along with details on how to activate it and information on terms and conditions, usage fees and benefits.

If you have access, you will also receive an email with e-account log in details. If you do not have email facilities standing orders and bill payments can still be set up by calling the ENGAGE Classic customer service team.