Engage Premium Card

An Engage Premium Account is an electronic money account from which you can make and receive payments. You can use your account to make transfers to other accounts, set up standing orders and make direct debit payments. An Engage Premium card is a Visa debit card that can be used worldwide wherever Visa is accepted. It can be used online, in shops, over the phone or to withdraw cash from an ATM. You can only spend money that you have paid into your account, so before making transfers or using your card you need to make sure there are enough funds in the Engage account. Monies in the Engage account are not bank deposits and do not earn interest.

There is a monthly Fee of £6.95.

You can apply through the Engage  mobile app with a promotional code provided by us. Before we can open an account for you and issue you a card, we will require evidence of your identity and we may require evidence of your residential address. You may need to provide us with documents such as passport, driving licence, national identity documents, utility bills, bank statements or other documents to confirm your identity. We will also need to carry out checks on you electronically.

You may pay into your account via your Credit Union, by transfer from a bank account, by cash at selected retail outlets and any other method notified in your online account portal or app from time to time. The time taken to credit funds to your account will depend on the method of deposit used. You cannot pay into your account by a balance transfer from a credit card. You may only pay in funds up to your maximum account balance. A fee may apply for each payment into your account through a PayPoint retailer and the Post Office, please refer to the Fees and Limits table (section 33). Certain minimum and maximum limits and usage requirements apply to your account and card; such limits and requirements are detailed in the Fees and Limits table (section 33).

You can check your account by accessing it securely through the Engage mobile app or website (www.engageaccount.com). Your statement will show:

• information on the payee of each transaction; and a reference enabling you to identify each payment transaction;
• the amount of the transaction shown in the currency in which the transaction was paid or debited to the account;
• the amount of charges for the transaction; and • the exchange rate used in the payment transaction (where applicable); and
• the date the transaction is authorised or posted on to the account. This information is accessible at all times via your online account portal or app, is available free of charge, and can be stored and reproduced as necessary. Paper statements are available on request and are subject to a fee (see the Fees and Limits table in section 33).
• if your card is lost/stolen/damaged - you can request a new card via the app.

You can check your account by accessing it securely through our mobile app or website (www.engageaccount.com). Your statement will show:

• information on the payee of each transaction; and a reference enabling you to identify each payment transaction;
• the amount of the transaction shown in the currency in which the transaction was paid or debited to the account;
• the amount of charges for the transaction; and
• the exchange rate used in the payment transaction (where applicable); and
• the date the transaction is authorised or posted on to the account. This information is accessible at all times via your online account portal or app, is available free of charge, and can be stored and reproduced as necessary. Paper statements are available on request and are subject to a fee (see the Fees and Limits table in section 33).

• Load money onto the card by contacting our office. It will be available straight away.
• Have your income paid directly to your card and funds will be available at 12am (midnight).
• Use your card to withdraw cash or make purchases in shops or online, just like any Visa card.
• Reload the card as many times as you like.

*Some limitations on purchases may apply e.g. cannot be used for Quasi-cash (gambling), self - serve petrol pumps etc.

A large number of our members benefit from the convenience of using the pre-paid card on a regular basis. The card allows members to access their money from the comfort of their own home, without the need to make an unnecessary journey into our offices.

• Time-saving & convenient
• Cheaper than bus fare or petrol
• Avoid poor weather conditions
• Avoid queue times

Should you experience any difficulties or have a query regarding your prepaid card, you may find the answer to your problem in the card user guide.

Alternatively, you can contact the dedicated customer service line on 0333 202 3642. You will need your 16 digit card number and 8 digit account number to speak with an advisor.

Lost or stolen cards phone 0333 202 3642