Debit Card & Account | Eastern Savings and Loans
Debit Card & Account

Built with your financial needs in mind

Are you looking for an account that has no credit check or penalty charges for missed payments? It comes with online and mobile account management, 24/7 UK based customer support and a Cashback Reward program. The Change Account is a transactional account with a dedicated Sort Code and Account Number and a Prepaid Debit Mastercard®.

  • No penalty charges for missed payments
  • 24/7 UK based Customer Support
  • Cashback Reward Programme
  • Discounted rate for Credit Union members

Please Note:

The Change Account will soon be replaced with a new account and card called Vox Money. They are no longer taking any new applications. This is with immediate effect. Existing accounts can still be loaded and managed as normal and all existing card holder services and functionality are not affected, including the replacement of lost cards. The provisional launch date for the new and upgraded product, Vox Money, is the end of October.

Key Features



Transparent Costs

No Credit Check

You can set up one off or regular transfers from Your Card account to Your Wallets, allowing you to subdivide your payments for effective budgeting.

Get 2.5-20% Cash Back into Your Change Account by using Your Change Account Prepaid Debit Mastercard® at a great range of 16 participating retailers. Pay for your goods at the participating retailers in store or online.

No hidden costs or penalty charges for missed payments. Costs for using Your Change Account are only taken from Your Card account, making Your Wallets secure for budgeting. You can view these costs online and via your mobile app.

Even if you have a bad credit history or have been made bankrupt you could still qualify for a Change Account.

Cashback Rewards

Get 2.5-20% Cashback into your Change Account by using your Change Account debit card at the participating retailers in store or online.

Any Cashback you have made will be combined and will go directly into your card account in one lump sum at the end of the following month.

A summary of your previous months Cashback Rewards Payment will be available on your overview and on your monthly statements.

Some of the retailers include: ASDA, Argos, M&S, New Look, Pizza Express & Debenhams.

Key Questions

There are no credit checks required to apply for The Change Account but you will need to be 18 years old or over, a UK resident and join our Credit Union to get the discounted rate of just £2 a month.

Join Credit Union
Once you have joined Eastern Savings & Loans, you can apply for a Change Account the same day. 

It is very easy to open a Change Account! Sign Up and follow these simple steps:

Step 1: Please submit your personal details
Step 2: On successfully submitting these details, the Change Account will send you an email to confirm your email address is correct, please click the link in the email.
Step 3: You will then be presented with your account details: Sort Code, Account Number and User ID followed by an email outlining your account details.

Your User ID will comprise of your date of birth in a 6 digit format and 4 additional numbers placed at the end: ddmmyyXXXX.
As soon as you receive your Sort Code and Account Number you can have your salary, benefits or other payments paid into Your Change Account.

You cannot manage Your Change Account online or make purchases and withdrawals until you have:
1. Received Your Change Account Prepaid Debit Mastercard® in the post
2. Created Your Login Details,
3. Activated your Card and
4. Retrieved Your Card PIN
Your Card will be posted to your registered address within 7-10 working days from the date that you signed up for Your Change Account.
To create Your Login Details visit and fill in your Sort Code, Account Number, Card Number and CVV. You’ll be asked to create an Online Password and PIN. You can then start using Your Change Account online.

To activate Your Card, and retrieve Your Card PIN please call +44(0) 1244 779612.

Important: You must keep them secret at all times and not reveal them to anyone. If you need to write them down or record them in some way, make sure you always keep them safe and separate from your Card, your account and any electronic device.
When you receive Your Change Account Card in the post please sign the back of it and call +44(0) 1244 779612 to Activate Your Card and Retrieve Your Card PIN (calls to this number are charged at your standard network rate, lines are open 24 hours a day, 7 days a week).

You will be asked to submit your:
• 16 digit Card Number and
• CVV and
• Date of Birth

You will then be given your 4 digit Card PIN. Please try and remember your Card PIN. You can then start using your Card for purchases, withdrawals and for viewing your overall account balance at ATMs.
To use The Change Account there is a £0.50 fee per week (charged monthly at £2)*. Some of the other features and benefits of The Change Account may have fees and Rewards.
To view ALL costs for the Change Account see: Fee Information Document on their website. 

You will receive by email from the Change Account annually at the start of the Calendar year which will inform you of all fees incurred over the previous year.

*This is at discounted rate if you are a member of Eastern Savings & Loans. If you let your membership lapse the fee increases to £4.25 per month.
As this product is run by another company, we are only able to offer limited help.

Please see their website at where you will find lots of advice and support.
You can use their Frequently Asked Questions page or using their online Search Bar.

If you would prefer to speak to someone they have 24/7 UK based customer support you can call on 0203 5030279.
The funds held with The Change Account is not protected by the FSCS, however it is held in a special account with a UK bank. All the money held on your Credit Union account is protected by the FSCS. You may want to only move the money you need for that week/month to your Change Account.

Our other Savings products

Find the right savings account for you

Dividend Savings Account
Dividend Savings Account

Our standard membership account

Christmas Saver
Christmas Saver

Save safely for Christmas and lock your money away

Junior Saver
Junior Saver

Savings for those under 18 years old

Members of ABCUL

Members of ABCUL

Your money is protected up to £85,000

Your money is protected up to £85,000

Authorised and Regulated by the Prudential Regulation Authority

Authorised and Regulated by the Prudential Regulation Authority

Members of ABCUL

Your money is protected up to £85,000

Authorised and Regulated by the Prudential Regulation Authority