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

Using Your Card

Is a credEcardplus the same as a debit card or credit card?

No, credEcardplus is a prepaid card and does not offer an overdraft facility; you can only spend what is loaded onto the card. It offers many of the same features such as a UK account number and sort code and can be used anywhere that displays the Visa acceptance mark. Your online account can be used in a similar way to other online banking accounts however it offers no direct debit facility.

There are no hidden charges and you can view the fees here.

Please note that credEcardplus prepaid 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. We ensure that 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 my creditors.

How do I retrieve my PIN?

To retrieve your PIN you need to telephone 0844 412 1717 (calls cost 5.105p per minute plus network extras), choose option 2 and follow the instructions.

Can I pay my utility bills using my credEcardplus e-account?

Yes, you can pay individual bills and, if your utility provider accepts Standing Order payments then you can set this up to make regular payments from your e-account. You cannot set up Direct Debits on your credEcardplus account.

How do I know when someone has put money on my card?

You can set up e-mail and / or SMS alerts to advise you when you have received a payment into your account. These alerts are instant, you will receive them as soon as funds are received.

Where can I use my credEcardplus?

You can use your credEcardplus card wherever you see the Visa acceptance mark, including shops, restaurants, online and for telephone or tv shopping. You can withdraw cash at ATMs and request cashback at most supermarkets. Please see fees page for information on charges.

How do I get cash out of my account?

You can withdraw cash from an ATM using your card and PIN. We will charge you 75p per withdrawal and some ATM operators may add an extra fee for each withdrawal. You can also get cashback, free of charge, at most supermarkets.