The ethical account with low or no fees

Say goodbye to overdraft fees, high management charges and penalty fees.

Apply for Engage

An ethical approach to banking

The important thing to remember is that with any Engage account, there isn’t any overdraft facility – so no spiralling debts from overspending.

Whatever Engage account you have, the very low fees that do apply to some transactions are easily offset by the cashback you can earn by shopping at our partner supermarkets, retailers and local stores. See Cashback Rewards here.

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Engage Classic Account

  • FREE to apply for a card (you can also have an additional card for free too)
  • FREE for any purchases made within the UK
  • Only £0.75 for an ATM withdrawal in the UK
  • Low management fees
  • FREE to set up a standing order
  • FREE email alerts to help you track your spend

Limits

  • £10 minimum initial load
  • Up to £250 maximum ATM withdrawal per day
  • Maximum £10,000 card balance at any one time
Apply via your credit union

Engage Smartcash Account

  • Only a £10 one-off card fee – that’s it
  • NO monthly management fees
  • FREE for any purchases made within the UK
  • Only £0.35 for a UK ATM withdrawal
  • FREE to load money from your parents account via bank transfer or standing order
  • FREE loads via your local credit union

Limits

  • £10 minimum initial load
  • Up to £50 maximum ATM withdrawal per day
  • Maximum £500 card balance at any one time

Click here for Smartcash Terms and Conditions

Apply via your credit union
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Engage Business Account

  • One-off card fee of £24.95
  • Up to 10 additional cards can be linked to the account. Ideal for payroll and expenses
  • FREE to load via bank transfer or via your credit union
  • Low monthly management fee.

Limits

  • £10 minimum initial load
  • Up to £250 maximum ATM withdrawal per day
  • Maximum £15,000 card balance*
Apply via your credit union

Engage Current Account

  • Contactless Visa debit card
  • Direct debit
  • Faster payments
  • Exclusive national and local rewards and incentives

Limits

  • £10 minimum initial load
  • Up to £250 maximum ATM withdrawal per day
  • Maximum £10,000 maximum card balance*
Apply via your credit union
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The community account

Spending your money for goods and services within your community is rewarding with Engage. Not only do you support your local retailers and services, you can also benefit from cashback and exclusive discounts when you use your Engage card.

Look out for the Engage logo displayed in your local retailers and service providers.

Apply for engage
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Envelopes

Worried about managing your money? Want to take the stress and hassle out of paying your rent, mortgage, utilities, phone bills? Your Engage account comes with a special feature that allows you to place money into virtual Envelopes so you don’t accidentally spend the cash you need to pay essential bills.

Using Engage Envelopes is as easy as 1-2-3!

  1. Simply click the Envelope link in your Engage online account
  2. In the boxes provided, detail what money you have coming in every month and list the bills you have to pay out. Click ‘manage’ and specify who you need to pay, how much and when
  3. Sit back and relax! Now when you get paid, your ‘disposable’ money is left in your account to spend as you wish, whilst the money required to pay your bills is set aside in virtual envelopes to be paid out automatically when they become due.
Download our Envelope Help Guide

Rewards and cashback

Earn up to 15% on everyday shopping and treats from our local and national retail partners, (click here for more information). Also exclusive deals available on utilities, phone contracts and insurance products (coming soon).

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Apply for an Engage account today