St Machar Credit Union is working in partnership with the prepaid visa debit card provider ENGAGE.
This means St Machar Credit Union can offer members ENGAGE CLASSIC ACCOUNT. A prepaid card which has VISA DEBIT card facilities which include sort code and account number, money can can be paid in from St Machar Credit Union, your employer can pay wages direct into the card and Department of Work and Pensions Benefits can also be paid direct to the card.
Standing order payments can be made (and direct debits if you chose the ENGAGE CURRENT ACCOUNT CARD), online purchases can be made, chip and pin facilities for purchases within shops, ATM withdrawal services and you can use the card while travelling abroad.
Order a card through St Machar Credit Union

Please note that this card is NOT FREE to operate

Introducing the Engage Account
An ethical digital account with Visa debit card

What is the Engage Account?
Engage is a fair and ethical digital account and contactless Visa debit card that works just like a high street current account – but with no hidden fees or unexpected costs.

Engage is only available to Credit Union members.

Choose the type of Engage Account that suits your needs

There are two types of Engage Account available:

  • Engage Classic Account – basic banking
  • Engage Current Account – basic banking and ideal if you need to pay bills by direct debit

Engage provides instant access to your money
Once your engage account is open, regular funds can be paid directly into Engage account and you can immediately access cash from an ATM, shop online or instore using your contactless Visa debit card, pay your bills and easily manage your money with the Engage digital mobile app.

  • Engage Accounts are FREE to open – from age 16+
  • FREE Digital banking app and contactless debit card
  • Low fees and no hidden charges, ask ST MACHAR CREDIT UNION for more information
  • Withdraw cash at ATMs and Free cashback at participating retailers
  • Pay your bills by transfer/standing order/direct debit
  • Pay cash into your account at PayPoint (and Post Office – coming soon)
  • Send/request money from others
  • Earn cash rewards on everyday shopping and services


  • £10 minimum initial load/deposit
  • Up to £250 maximum ATM withdrawal per day
  • Maximum £10,000 card balance at any one time

Notifications when your funds are available
Do you want to know the minute your money is available to you? Download the FREE Engage mobile app and receive instant notifications when your funds are paid into your Engage Account. The app also provides you with up-to-the-minute balance and transaction information

Contactless payments with your debit card or mobile phone
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.

Engage: 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.

For details of participating Engage reward retailers, download the Engage app today or visit www.engageaccount.com/rewards

Get your Engage Account today
To open an Engage account simply contact ST MACHAR CREDIT UNION for further details

With Engage your funds are 100% safe at all times

The Engage Account and Visa debit card is 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, Should you require any further information on how your money is protected Contact ENGAGE

ST MACHAR CREDIT UNION previously promoted CONTIS product CREDEcard which is no longer is use.

St Machar Credit Union now promotes the Contis product ENGAGE CARD