Engage app

What is the Engage Account?

 

Only available to credit union members, Engage is a fair and ethical digital account, with contactless Visa debit card, that works just like a high street current account.

 

Instant access to your money

 

Regular funds, such as wages, benefits and bank transfers, can be paid directly into your Engage account. You’ll have instant access to cash from an ATM, and be able shop online or instore using your contactless Visa debit card. You can also pay your bills and easily manage your money with the Engage mobile app.

 

Features

 

  • Engage accounts are free to open for anyone over 18 years old
  • Free mobile banking app and contactless debit card
  • Withdraw cash at ATMs or get free cashback at participating retailers
  • Pay your bills by bank transfer, standing order or direct debit with a premium account
  • Pay cash into your account at any PayPoint or post office
  • Send to money to others or request money
  • Earn cash rewards on everyday shopping and services
Engage

Know the minute your money is available

 

Simply download the free Engage mobile app and receive instant notifications when funds are paid into your Engage Account. The app also provides you with up-to-the-minute balance and transaction information.

Download on the App Store

Android app on Google Play

 

Never miss a bill payment with Engage Envelopes

 

Take the stress out of budgeting and paying household bills.

Set up virtual savings envelopes in the Engage mobile app to help you budget for things like utility bills, rent, your mortgages or council tax. Or a just special purchase. Then, when your bills are due, Engage can automatically pay them by standing order or direct debit.

 

Contactless payment

 

The Engage Account is designed to make your life easier by packing all the features you need onto your mobile phone. As well as using your contactless debit card to make purchases, you can also use your smartphone to make contactless payments.

 

The account that rewards you

 

With Engage, you can earn up to 15% cashback at national and local retailers whenever you use your debit card to make a purchase.

Take a look at the growing list of participating Engage reward retailers.

An Engage Account to suit your needs

 

Engage Classic Account

 

A prepaid card account with lower management fees. Ideal for those in need of a basic card account to manage day-to-day transactions.

Engage Classic Account Standard Charges

Show charges
Monthly management fee £2
Cashback instore FREE
Get balance at an ATM 10p
ATM withdrawal in the UK 75p
ATM withdrawal overseas £2 + 2%
Purchases within the UK FREE
Overseas purchases £1 + 2%
Pay-in from bank account transfer  FREE
Pay-in from PayPoint 50p + 2.5%
Transfer to UK bank account in 3 working days FREE
Next-day transfer to UK bank account £3.00
Additional Card FREE
Lost/stolen/damaged replacement card £5

Engage Premium Account

 

Engage Premium Account Standard Charges

Show charges
Monthly management fee £3.95
Cashback instore FREE
Get balance at an ATM 10p
ATM withdrawal in the UK 75p
ATM withdrawal overseas £2 + 2%
Purchases within the UK FREE
Overseas purchases £1 + 2%
Pay-in from bank account transfer  FREE
Pay-in from PayPoint 50p + 2.5%
Unpaid Direct Debit Fee £10.00
Transfer to UK bank account in 1-3 working days FREE
Same-day transfer to UK bank account £3.00
Additional Card FREE
Lost/stolen/damaged replacement card £5

 

Open your Engage Account today

 

Only members of Nottinghamshire and Lincolnshire Credit Union can apply.  Join our credit union to open an Engage Card account.

Once you’re a member, you can then apply for one of our two Engage accounts by filling in the appropriate online form.

Apply for an Engage Classic Account

Apply for an Engage Premium Account

Alternatively, you can print and fill in your Engage Account application form and hand it in at one of our branches, or return it to us either by post or by email. Once we’ve received your completed form, your card will be set up and sent out to you within 10 working days.

Engage Classic Account form   Engage Premium Account form

If you’d like us to post you an application form, please get in touch with us at info@nottsandlincscu.co.uk

 

The Engage Account and Visa debit card are available exclusively to members via our network of Credit Union and community banking partners in the UK. Engage is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference Number: 900025) to issue e-money and is a member of Visa. Please note that electronic money products are not covered by the Financial Services Compensation Scheme. Instead, any funds received are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent, your funds are protected against claims made by creditors.

 

General Enquiries

What is a Credit Union?

Credit Unions are local, member-owned, not-for-profit financial cooperatives operated on the principle of people helping people.  Credit unions have been helping people in the UK for over 50 years and over 1.4 million UK residents currently have a credit union account, with over 270 million members worldwide!

These accounts are designed to promote responsible lending and credit unions do not lend more than you can afford to repay.  They do this by:

  • Promoting good money management – members are encouraged to save as well as borrow money.
  • Provide loans with fair and reasonable interest rates.
  • Helping members to use money wisely and manage their finances.

Credit Union interest rates are capped which makes them considerably cheaper than some lending options. They also offer flexible repayment terms without penalties and hidden costs.

How do I update my personal Information?

It’s easiest to update your information with us either by logging in online or on our mobile app.  We have a suite of forms to manage your account online, including forms to update your personal information, marketing preferences, registered bank accounts and beneficiaries.  Updates like these are processed within 1 working day – we will contact you if we require anything else to update your account.

We can update certain information informally over the phone or in branch e.g. contact details or marketing preferences. However, under banking law, we have to gain official documentation confirming any important changes like name or address details.  We can verify this digitally if requested online but if you want to update this with us directly then we require something official be provided, such as photo ID, a letter from the council or a bank statement as proof of the requested changes.

Keeping your details up to date with us helps us keep in touch with you about your account and any news about the credit union, as well as allowing us to contact you if we have any important information to share.

How do I close my account?

If you are looking to close your account with us then you simply have to withdraw the full balance saved with us and let us know – there are two simple ways of doing this:

  1. You can do this online by sending a secure message and selecting the subject “How do I Close my Account?” – we will run you through the next steps and confirm the bank details to send your funds to as part of this.
  2. You can do this in-branch or over the phone – we will run through some security questions to confirm your identity and confirm which bank details to send your remaining savings to as part of this.

 

Please note that an account with an outstanding loan balance cannot be closed until the loan has been fully repaid.

How do I register a complaint?

You can make a formal complaint to us in a number of ways (e.g. in branch or by phone) but it’s usually best to refer your complaint to us either by email or post, as this allows us to more easily refer your complaint to the correct person/department, gives us a fuller understanding of your complaint in order to resolve it, and provides you with an audit trail of the dates and records of your complaint for future reference.

You can find our full Internal Complaints Procedure on our Legal page.

Having difficulty repaying your loan?

Some of our members experience difficulty repaying their loans due to unforeseen circumstances. Please contact us as soon as possible, and we will do all we can to try to help. We will review your income and expenditure and may restructure your loan if necessary.

We have many members who we support in this way and, once you are back on your feet, you can borrow again from us if you want.

If you need to speak to us about making payments to your loan, please contact us on:

Telephone: 0330 004 0842 opt. 2 (weekdays 10am-3pm)

Email: arrears@nottsandlincscu.co.uk

If there has been a change in circumstances that could affect your repayments then let us know.  Remember, missed payments can affect your credit score and your standing with the credit union.  The sooner you let us know of any problems, the better.