Engage Classic Terms and Conditions

If you have applied through your Credit Union and are interested in seeing the new terms and conditions, please click the link

Funding Options

How do I add more funds?

To load / top-up your account with cash at a PayPoint location, please take your card to any PayPoint retailer and hand it over along with the money you want to put on it. The retailer will swipe the card through their terminal and load your card with money. The cash will be on your card immediately.

If you prefer, you can print out your PayPoint top-up slip (with barcode) from within your online account, take it to a PayPoint retailer and give the slip with your cash and your money will be in your account within 24-36 hours. You can give the PayPoint top-up slip to anyone as it is unique to you and can only be used to deposit money.

Alternatively you can transfer money from another account or have your wages, benefits or a loan paid onto your card. You will need to provide the following details to your employer or the company / person transferring the money:

Account Name: Name on the account
Account Number: 8 digit account number*
Sort Code: 62-30-53
Bank Name: Natwest Bank, Exchange Buildings, High Street, Skipton, BD23 1JL
* available within online account or from Customer Services following completion of application

Topping up via bank transfer is free.

How quickly are funds available in my account?

Paypoint: Funds loaded using your card are available immediately. Funds loaded using your unique bar code are available 24 – 36 hours after the transaction. (See fees page for charge and maximum load.)

Bank transfers: For payments into the account we will load them on the day we receive the funds.

How quickly are funds transferred from my account?

Future dated bank transfer – up to 3 working days (FREE)
Next day bank transfer (request before 5pm) – next working day (£3 charge)
CHAPS (request before 2.30pm) – same day (£15 charge)