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Clockwise Credit Union Current Account
Open a Clockwise Credit Union Current Account to make managing your money easier.
APPLY ONLINE

The Current Account for everyone:

Our current account allows you to manage your normal day-to-day spending. You can pay bills, set up direct debits or standing orders and receive any salary or benefit payments.

  • Faster Payments
  • Pay in Wages or Benefits
  • Cash at Branch
  • Standing Orders
  • Direct Debits
  • Optional Visa Debit Card
  • Keep your money in the local community
  • Personal customer service
  • Support a local, ethical credit union
  • All your accounts in one place

Clockwise Credit Union Debit Card

Manage everyday purchases with your funds deducted directly from your current account.
Open Account

Sign up for a Pay-As-You-Go or Everyday account to use the Clockwise Credit Union Debit Card.

  • VISA Debit Card
  • Contactless Payments
  • ATM Withdrawals
  • Make purchases in-store and online
  • Deposit cash at PayPoint
  • Accepted Worldwide
  • Round-Up Savings

The Clockwise Credit Union Account and Visa Card 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. 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.

 

BASIC

Manage your day to day bills without a debit card
FREE
  • No Debit Card
  • No ATM Access
  • Online + Mobile Access
  • Direct Debits
  • Cash at Branch
  • Pay in Wages or Benefits
  • Faster Payments
OPEN ACCOUNT

PAY-AS-YOU-GO

Only pay for what you use
£ 2.00
Monthly
  • Debit Card
  • ATM Access
  • Online + Mobile Access
  • Direct Debits
  • Cash at Branch
  • Pay in Wages or Benefits
  • Faster Payments
OPEN ACCOUNT
ATM withdrawal – 75p
ATM balance enquiry – 10p
PayPoint load – £0.50 + 2.5%

EVERYDAY

Everyday use for one monthly fee.
£ 6.50
Monthly
  • Debit Card
  • ATM Access
  • Online + Mobile Access
  • Direct Debits
  • Cash at Branch
  • Pay in Wages or Benefits
  • Faster Payments
OPEN ACCOUNT
ATM withdrawal – FREE
ATM balance enquiry – FREE
PayPoint load – FREE
The following table lists the fees and charges which apply to each of the three available Clockwise Current Account plans. Download PDF version

Basic
Pay as you go

Everyday

Account Fees
Monthly Fee
First charge is 15 days from account opening
£0.00
£2.00
£6.50
Collect cash from Post Office
Subject to availability & limits
£1.50
£1.50
FREE
Deposit or Withdrawal Cash at a Clockwise Branch
Subject to availability & limits
FREE
Deposit or Withdrawal by Faster Payment
Subject to availability & limits
FREE
Direct Debits & Standing Orders
Pay regular bills from your account
FREE
CHAPS Payment
Subject to availability & limits
£15.00
International Transfer
Subject to availability & limits
Priced on request
Overdraft Fees
Overdrafts are available subject to application, individual status, terms & conditions
Interest Rate
Not Available
42.6% representative APR
Card Fees
Fees when using your Visa debit card. A Visa debit card is not available with the Basic account.
Withdrawal at ATM in the UK*
Not Available
£0.75p
FREE
Balance enquiry at ATM in the UK* Check for free using our website or app.
Not Available
£0.10
FREE
Load Cash at PayPoint
Maximum load of £249
Not Available
£0.50 + 2.5% of deposit amount
FREE
Additional Cards
Not Available
£10.00
Replacement of lost or damaged card
Not Available
1st replacement free
Additional are £10 each
Card Cancellation**
Not Available
£10.00
Chargebacks Administration
Not Available
£20.00
Withdrawal at ATM in Europe*
Not Available
£1.00 + 1%
Worldwide Withdrawal at ATM (non-Europe or UK)*
Not Available
£1.50 + 1.5%
Balance enquiry at ATM outside of UK*
Not Available
£0.30
Card Purchase in Europe
Not Available
£0.50p + 1%
Card Purchase Worldwide (outside Europe & UK)
Not Available
£0.50p + 1.5%
* Some ATM providers may charge an additional fee and should advise you before you confirm the transaction.
** When you cancel the agreement within the first 14 days and a card has already been ordered in your name.
Limits
Card Limits
PayPoint Load
2 per day
£249 total
ATM Cash Withdrawal
£300 per day
Daily Card spend limit
£10,000
Account Limits
Minimum monthly deposit
£100
Maximum account balance
£10,000
Credits by Faster Payment
5 per day
Withdrawals by Faster Payment
5 per day
Pay at pump
Not currently available
Version 1.0
Effective from March 2022

What is the difference between our Savings Accounts and Current Account?

Savings Accounts are for regular or one-off deposits. Current Accounts are for day-to-day spending and managing bills.

 

Savings Account

Current Account

Faster Payments

✔️

✔️

Pay in Wages or Benefits

✔️

✔️

Cash at branch

✔️

✔️

Mobile App Access

✔️

✔️

Standing Orders

❌

✔️

Direct Debits

❌

✔️

Optional Visa Debit Card

❌

✔️

Minimum Monthly Deposit

£0

£100

Maximum balance

£50,000

£10,000

Terms and Conditions

Current account terms and conditions

Clockwise Credit Union debit card terms and conditions 

Clockwise Credit Union debit card privacy policy

Clockwise Credit Union Limited, Reg. No. FRN213498 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Clockwise is a member of the Financial Services Compensation Scheme, the Financial Ombudsman Service and ABCUL. Registered office: 1 St Nicholas Place, Leicester, LE1 5LB. Clockwise Credit Union Ltd is registered in England No. IP00280C The Clockwise Credit Union Card Account and Visa Card 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. 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. © Clockwise Credit Union Ltd 2016-
Clockwise Credit Union Logo

ADDRESS: 1 St Nicholas Place, Leicester, LE1 5LB.
TEL: 0330 17 55 792
EMAIL: hello@clockwise.coop
Twinned with Castlebar Credit Union in Ireland.

More Information

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PRIVACY POLICY & FAIR PROCESSING NOTICE

TERMS AND CONDITIONS

COMPLAINTS

CRAIN

REFUND POLICY