Your Change Account features at a glance

  • Fully transactional
  • Account Wallets
    for budgeting
  • Direct Debits
  • Online and mobile
  • Transparent costs
  • Support & Advice
  • No credit check
  • …and much more
  • Full transactional capability
  • Change Account Wallets for effective budgeting
  • Direct Debit
  • Online and mobile app
  • Transparent costs
  • Financial support & advice from expert Founder Partners
  • Scheduled payments
  • Gentle payment alerts
  • Joint Account facility
  • No overdraft or credit facility
  • No credit check
  • Your money is not vulnerable to existing creditors
  • Rewards Programme
  • Faster payments

What The Change Account Offers You

Transactional Account

The Change Account is Mastercard® branded, so it has the power of one of the most recognised, accepted and trusted global brands behind it. The Change Account offers a Prepaid Debit Mastercard and has full transactional capabilities with multiple benefits, including Faster Payments and Direct Debits.

All money paid onto Your Change Account goes into Your Card account which you can access with your Card when withdrawing cash and making Card purchases. You can manage Your Card account online or through your mobile app.

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. You can manage Your Wallets online or through your mobile app.

The Change Account allows you to manage your finances online and via your mobile app 24 hours a day - securely, effectively and conveniently.

Your Change Account offers automatic online payment alerts as well as optional alerts via SMS, mobile app and email - making tracking and managing your finances even easier. See: Payment Alerts

The Change Account has 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. For more information on the features we charge for see: Cost Table.

It is not possible to overdraw with Your Change Account which means you can only spend the money you have available.

No Credit Check

Even if you have a bad credit history or have been made bankrupt you could still qualify for a Change Account. We do not exclude people for having a bad credit history as we want to offer an inclusive product available to all.

Through our exclusive Rewards Programme you can receive Cash Back by using Your Change Account Prepaid Debit Mastercard® when you shop at participating retailers. Any Cash Back you have gained, will be combined and paid onto Your Card account in one lump sum, at the end of every month. To see the percentage of Cash Back our Change Account customers receive visit To view the participating retailer brands in our Rewards Programme log in to Your Change Account, go to Overview and select ‘Participating Cash Back Retailers

We offer financial advice and support from our Partners who have vast experience in the financial services industry. With this experience, they can give honest and factual support to our customers through understanding their real needs.

Get ready to take part in interactive games and modules that could help you with budgeting, financial literacy and money management.

We will not reduce any debt you may owe to a third party by deducting the money in Your Change Account, meaning your money is not vulnerable to existing creditors. This will allow you to manage your finances in a safe manner and set achievable financial plans.