Designed for juniors between the ages of eight and 16, the card can be used worldwide in shops, online or over the phone. It can also be used to withdraw cash from an ATM, request pocket money from parents and receive cash gifts or wages from a part-time job.

Only money that’s been paid into an account can be spent. So, before using the card, it should be checked that there are enough funds in a Smartcash account.


Free junior digital mobile app


The Smartcash account comes with a free app to know the minute money is available after being paid into an account. The app also provides up-to-the-minute balance and transaction information.

Download on the App Store   Android app on Google Play

Shopping is more rewarding with Smartcash


Engage has partnered with some of the UK’s biggest retailers to bring junior members exclusive monthly cashback rewards.

Account holders can earn monthly cashback rewards every time they shop with one of many retail partners.


What are the limits?


The Engage Smartcash junior debit card comes with safe spending and withdrawal limits, and parents or guardians have full authorisation.

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


How much does a Smartcash account cost?


There are no management fees or costs for purchases made within the UK, and it’s free to load money from a parent’s account via bank transfer or standing order. Although there is a charge for ATM withdrawals, this is only 35p.


Who can apply?


Both the parent or guardian and the junior must be a member of the credit union to open a Smartcash junior card account.

Join our credit union as a parent

 Join our credit union as a Junior Saver


Once you’ve become a member, you can then apply for a Smartcash account.

See the terms and conditions for the Engage Smartcash Junior account.

Smartcash Account

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)


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.