The Junior Member's Personal Account

Only from your local credit union

Smartcash is the Visa debit card and account for credit union members aged 8 up to 16 years old that is designed to give them financial freedom whilst helping them learn the importance of money management. Just ask your credit union for details or download an application form.

  • Only a £10 one-off card fee – that’s it
  • NO monthly management fees
  • FREE for any purchases made within the UK
  • Only £0.35 for a UK ATM withdrawal
  • FREE to load money from your parents account via bank transfer or standing order
  • Contactless Visa debit card
  • Rewards and Incentives
  • FREE Mobile App
  • Low or No Usage Fees - Junior credit union members get their own personalised Visa debit card and account with UK sort code and account number.
  • Parental Control - Smartcash allows parental access to the junior members account when required so that spending and money management can be monitored.
  • Encourages Saving - Using the online account or mobile app, juniors can instantly pay funds into their savings account without the need to visit the credit union.
  • Contactless Visa debit card - Safe, flexible and a faster way to pay for everyday purchases up to a value of £30.
  • Rewards and Incentives - Earn up to 15% cashback with national high street and online retailers including Asda, Toys R Us, Argos and many more.
  • FREE Mobile App - Access their account anywhere with the free mobile app. Check balances, see rewards and much more. Available on the App Store and Google Play.

Benefits to Junior Members

  • Contactless Visa debit card and personal account
  • Earn up to 15% cashback when you shop with Smartcash online and high street reward retailers
  • Get cash from ATM (small ATM fee applies)
  • Send/request pocket money from your mobile app
  • Send money instantly to your credit union savings account
  • A safer way to spend on the high street and online

Benefits to Parents

  • Teach the children how to manage money effectively
  • Transfer their pocket money electronically from your account
  • Encourages junior members to save with the credit union
  • Safe and secure way for junior members to spend - with full parental control

Your Smartcash account and prepaid Visa debit card is issued by Contis Financial Services Limited, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL, who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registered number 900025) as an e-money issuer. Your Smartcash account and card may be distributed by a third party on our behalf.

Please note it is not covered by the Financial Services Compensation Scheme.