Pre Paid Debit Card

Award winning Debit card & account

Like a current account, but you can't go overdrawn

Change Account Debit card and account

It is easy to apply for, with no cost to open an account and no credit checks. Just low fees and a great range of member benefits. It's easy to top up your card. Let us know by phone (03336 000690) and we’ll make sure your card is loaded from your credit union account or you can do this via our Online banking service. You can pay standing orders, wages, tax credits, benefits or similar directly onto your Change Account. You can use your Change Account Mastercard® for local and online shopping, but you can only spend what you have in your account.

  • Pay bills by Direct Debit
  • Online & mobile account management
  • Earn up to 12% cashback with rewards partners
  • 24/7 UK based customer support
  • The account costs just £2.00 monthly
  • There are no charges for making a purchase
  • The account comes with secure wallets to help you manage your money.
  • Free Mobile app (Android and IOS)
  • Alerts by SMS (text message) when payments are made, to help track your spend.

Going abroad? Load up your Change Account with more money and use overseas ATMs to get your cash or use in stores wherever you see the Mastercard® acceptance sign displayed.

Retailer Cashback

You can get cashback rewards on your shopping every time you use your Change Account Prepaid Debit Mastercard® to pay for goods at any one of the following retailers.  Many cardholders save up to £8 per month. Wipe out those card fees, with retailer discounts!


With over 360 stores nationwide and a range of some 30,000 products, Asda offer savings everyday on groceries, electrical, entertainment, clothing, health & beauty, gifts and flowers.


Argos is the UK’s leading digital retailer, offering more than 33,000 products through its growing mobile channels, 740 stores, over the telephone and uniquely, through Argos TV.


One of the UK’s major Department store retailers. A leader in Fashion and Homeware.


A household name in food, fashion & home retailing. Outlets throughout the country with a wide range of products available online too.


From humble beginnings in Sunderland in the early 1920’s Storey Carpets grew into Britain’s largest independent floor covering retailer with 27 stores in the North of England.


Halfords have a huge range of products from cycles to car to camping.


Britain’s favourite jeweller has almost 400 stores in the U.K. to “Help you say it better”.


Carpetright offer beautiful carpets, vinyl, laminate and rugs, as well as beds and mattresses. They provide expert advice, a measuring and estimating service and, qualified professionals who can fit it perfectly for you.


New Look is dedicated to fast fashion, bringing you the very latest trends for men, women and teens.


Choose a package holiday from the big, small and specialist tour operators. Take a city break, book flights only and car hire; backed with the complete reassurance of a fully bonded ABTA and ATOL travel agency.


Pizza Express Italian restaurants provide exceptional quality food such as pizza and pasta as well as live music.

  6%CASHBACK is THE digital entertainment site.

Established for 8 years and one of the few select brands to be given the accolade of being a cool brand due to our product offer, website and customer experience.


Virgin Experience Days have loads of experiences with many different themes offering fantastic choice and great value. A Virgin Experience Day makes the perfect gift.


YO! Sushi brought the concept of a Japanese ‘kaiten’ sushi bar that delivered food to customers via a conveyor belt and became the original and most famous sushi brand in the UK. YO! Sushi’s dishes are freshly prepared in their restaurants daily and you can choose from over 80 Japanese inspired items.


Spafinder Wellness 365 gives you the widest choice of any Spa and Wellness voucher. In the UK the vouchers are accepted at over 1,000 locations including the Sanctuary Spa, Champneys, Bannatyne Spa and many more.


Set up an account in three easy steps

Step 1: Complete the online application form

Step 2: Authenticate your online account via the email sent from Change Account

Step 3: Receive your card and let us know. 


To get your PIN or to activate your card, call the Automated number - +44(0)1244779612. Calls are
charged at your standard network rate, calls from mobiles may be higher.

For other inquiries call +44(0)1753 778613.This line is open 24 hours a day, 7 days a week. Calls are
charged at your standard network rate, calls from mobiles may be higher.



Key Facts


Credit Union members’ monthly fee


Credit Union members’ ATM Withdrawal


Retailers who proved cashback at POS


Faster Payment from card


Direct Debit


Unpaid Direct Debit


Payment alert by SMS


Replacement Card


Maximum Card Balance


Max daily faster payment


Max daily card purchase


Value of ATM withdrawals per day



 Download the full MasterCard® Debit Card terms and conditions.

If you have lost or had your card stolen please call +44(0) 1753 778613. This line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate, calls from mobiles may be higher.