More than just a basic account. Take complete control of your finances.

We offer an account, with a Visa card and mobile app.

Plus there are no overdraft charges.

Easy to apply

No overdraft charges

No credit checks

Why choose credEcard?

Full control over your account

  • Online account facilities
  • Visa card
  • Free mobile app
  • Real time account balances
  • Instant notifications when you receive funds or make payments
  • Send money to others
  • Temporarily block/unblock your cards
  • Earn cashback rewards on shopping and services
  • Pay cash in at your local PayPoint
  • UK-based customer services

No hidden fees*

  • No more overdraft fees
  • No hidden interest charges
  • No account loading charges via bank transfer

Pay your bills – hassle free!

  • Budget with the Envelope™ facility
  • Avoid rent and mortgage arrears
  • Pay bills automatically by transfer and standing order

*For a full list of usage fees and restrictions please see the Fee Information Document, our Terms and Conditions or log into your credEcardplus account portal.

Please note that if you are a member of a referring organisation, your fees may vary from those shown.

How it works

Access your account from anywhere. Access your account online or from our mobile app.

Money In




Bank Transfer



Mobile App



Money Out

Cash machines (ATMs)


Online shopping

Pay bills

Manage your money with the Envelope™, the easy budgeting tool

Our Envelope tool makes budgeting and saving easy as ABC.

Set up virtual savings envelopes and set aside money for things like utility bills, rent/mortgage, council tax or for a special purchase.

When your payments are due, credEcard will automatically pay them by standing order, or release your saved funds back into your account to spend with your Visa card or to withdraw cash.

Cashback rewards

Simply activate your credEcardplus account and card, then shop & save!

Whether you are shopping for everyday goods or looking to treat yourself, there is a wide range of cashback rewards available through the credEcardplus programme.

Log in to your credEcard account portal and click on the rewards page to view the full list of retailers participating in your rewards programme and find the details of the rewards offered.

For more information, please read our FAQs and Terms and Conditions.

Get credEcardplus

Get a credEcardplus account and Visa card today.

Application is quick, simple and no credit checks are required.

All you need is an email address, postal address, mobile number and ID (eg a valid passport or UK driving license).