Clockwise Credit Union Current Account

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
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

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.

FREE

No Debit Card
No ATM Access
Online + Mobile Access
Direct Debits
Cash at Branch
Pay in Wages or Benefits
Faster Payments

£ 2.00

Monthly

Debit Card
ATM Access
Online + Mobile Access
Direct Debits
Cash at Branch
Pay in Wages or Benefits
Faster Payments

£ 6.50

Monthly

Debit Card
ATM Access
Online + Mobile Access
Direct Debits
Cash at Branch
Pay in Wages or Benefits
Faster Payments

Full Clockwise Current Account Fees & Charges

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

Clockwise Current Account Fees & Charges

Current account terms and conditions

Clockwise Credit Union debit card terms and conditions

Clockwise Credit Union debit card privacy policy

The Current Account for everyone:

Clockwise Credit Union Debit Card

BASIC

PAY-AS-YOU-GO

EVERYDAY

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

Terms and Conditions

More Information