The Change Account is a transactional account, designed to simplify your finances.

The Change Account

The Change Account has been built with your financial needs in mind

What is the Change Account? The Change Account has a dedicated Sort Code and Account Number and, a Prepaid Debit MasterCard®. It offers many payment features, such as Faster Payments and Direct Debits as well as innovative budgeting tools to make it easier for you to manage your money.


How does it work? The Change Account has two main features: Your Change Account includes a Card account which you can access with your Card when withdrawing cash and making Card purchases, and which you can manage online or through your mobile app. Your Change Account also has Change Account Wallets which are secure budgeting tools.


What does it cost? For every feature on Your Change Account there is always a cost to us which is why there are costs associated with The Change Account. You only pay for the features you use; your finances will never have to subsidise other customers. For a full list click here


What is a Wallet? A Change Account Wallet is a secure budgeting tool which helps you manage your money and takes the stress out of bill payments. You are able to set up two Change Account Wallets initially. Try to think of them as two mini accounts alongside Your Card account which you can only access online or through your mobile app.


How is the Change Account similar to a Bank Account? The Change Account has many of the benefits of a bank account, such as: Direct Debits, Faster Payments and BACS Credits, A Prepaid Debit Chip and PIN Card which can be used in store, online and at ATMs worldwide*, Its own dedicated Sort Code and Account Number, You can access and manage Your Change Account online and via your mobile app, Secure Login and Registration.


Who can apply? There are no credit checks required to apply for The Change Account but you need to be 18 years old or over and a resident in the UK.


To create an account simply complete the form below or click here

Rewarding You


Get 3-12% Cash Back into Your Change Account by using Your Change Account Prepaid Debit Mastercard® at a great range of 16 participating retailers.


Pay for your goods at the participating retailers in store or online


Any Cash Back you have made will be combined and will go directly into Your Card account in one lump sum at the end of the following month


A summary of your previous months Cash Back Rewards Payment will be available on your overview and on your monthly statements


To view the participating retailer brands in our Rewards Programme log into Your Change Account, go to Overview and select ‘Participating Retailers‘.


Latest News

Community news and information

Download your Lincolnshire Credit Union mobile app
We are delighted to announce that the Lincolnshire Credit Union mobile app is now available for... read more

THE CREDIT UNION £25 SAVING INCENTIVE FROM IMLT IS BACK!
If you were thinking about joining our credit union, now is the time. In partnership with the... read more

Dreams Thrive Here
Why do over 235 million people worldwide choose credit unions?
Because credit unions have a... read more