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Engage Prepaid VISA card Smartcash Junior pre-paid VISA account

The Smartcash card and account from Engage

Smartcash account and Visa debit card from Engage

The SmartCash Junior Account is the great new way for Credit Union members aged 8-16 to receive their pocket money or other funds, then spend them safely on the high street or online whilst still being under parental supervision.

SmartCash is a secure and convenient way for your child to learn financial independence and to understand the importance of responsible money management in an increasingly cashless world.

The account comes with a contactless VISA debit card, online account and a mobile app that allows your child to check balances, transactions and even send money to their credit union savings account.

Smartcash benefits from the same cashback rewards as the Classic Engage card - you can find out more about these rewards here.

Unlike other cards available for children, SmartCash has no monthly management fee - just a one off £10 set up charge. You can find out more about the charges and fees below. Also you can visit our FAQs page to find out more about Smartcash.

Please note: You need to be a member of East Sussex Credit Union to apply for a Smartcash account.

If you are not a member, you can join us online here.

Download the SmartCash mobile app here:

Download all the SmartCash Terms and Conditions here : Click to DownloadDownload SmartCash Terms & Conditions (544.7kb)

Download the SmartCash Account application form here:Click to DownloadDownload Smartcash Account Application Form (4875.6kb)




£10 one off account set up fee

Loading onto the card and balances

£10 minimum initial load with £500 maximum balance

Load money free from a Credit Union account, an Engage account or bank account. Maximum transfer value £500.

Load cash with a Paypoint card - maximum deposit £249. Charge to load - £0.50 + 2.5%. You can locate nearest Paypoint on the mobile app

Spending charges in shops

UK - free

Abroad - £1 + 2% of transaction value


In the UK:

Balance enquiry fee - £0.10

Withdrawal fee - £0.35 (some ATM providers may charge additional fee)

Daily withdrawal limit - £50

Abroad - £2 fee + 2% of withdrawal value

Transferring money out

Can transfer money directly into Credit Union Savings Account

Closing account

Admin fee £2

Card cancellation within 14 day cooling off period is free

Replacement cards

Replacement for lost, stolen or damaged cards - £4.95

Your Smartcash card and account is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900025) and is a member of VISA.

Please note that Smartcash card and account is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent, your funds will be protected against claims made by creditors.

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  • East Sussex Credit Union
  • Tel: 0300 303 3188
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Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority