All change

We recently introduced our new current account, with a debit card, called the Change Account. This replaces the former card, Engage Cards.

Members who had an account with Engage Cards should receive the new Change Account details and debit card in the post. If you haven’t received yours yet, please email us on If you don’t wish to have a Change Account or card, please return it to us at The Bungalow, Pinkwell Lane, Hayes, UB3 1PE so that you don’t get charged.

If you would like to apply for the Change Account, please contact us on or call  020 8756 3866 to find out how to apply for this card.

Why have a Change Account?

From just £2 a month, you can enjoy great benefits with a Change Account. Some of these benefits include:

Full transactional account – with a dedicated Sort Code, Account Number and Debit Mastercard® (Chip & PIN protected) therefore you can use it in the following ways:

o Point of Sale, ATM withdrawals and online purchases

o Direct Debits, scheduled and faster payments

o BACS Credits (wages/benefits)

o Choice of single or joint account.

Secure budgeting wallets – allows you to subdivide spending, budgeting and bill payments. Encourages you to protect your money allocated for bills.

Clear payment alerts – automatic online payment alerts as well as optional alerts via SMS, Mobile App and email.

A wide ranging Rewards Programme – well-known brands like Asda, New Look, Pizza Express and Argos offering Cash Back (up to 20%) when you spend instore or online.

Online account management – you can manage your account online therefore enabling you to keep up to date with your balance, transactions or cash withdrawals.

Mobile App account management – manage your account ‘on the go’ with our Mobile App (available FREE through iTunes and Google Play).

24/7 UK based customer support – support via phone, email and secure messaging

M For Money Christmas 2019 newsletter

M For Money Credit Union is reflecting on a great year after introducing new products and exciting new service delivery improvements. Here is a copy of our Christmas 2019 newsletter which highlights some of these features including:

  • The Change Account, the new current account and debit card
  • Checking your account balance by telephone
  • Easier loan application with the introduction of editable forms and open banking.

For news and updates, follow us on Twitter and Facebook. While you are there, please feel free to share your Christmas tree pics with us, using the hashtag #CUChristmas.

Christmas opening hours 2019

Below are our opening hours over the Christmas period for M for Money Credit Union:

Monday 23 December – 8am to 4pm
Tuesday 24 December – 8am to 1pm
Wednesday 25 December to Wednesday 01 January 2020 – CLOSED
We will re-open on Thursday 02 January 2020.

Loan applications deadline for approval before Christmas:
If you are looking to apply for a loan by Christmas, then the last day to apply is 10 December 2019. There won’t be any guaranteed loans after this date until the new year.

Engage Cards failure

Recently members with Engage Cards were sent some communication indicating that a new card would be sent to them and that the sort code and account number which they were sent was to be given to their credit union.

Several members contacted us to give us the new card sort codes and account numbers. As Engage cards is a third party provider, we don’t keep this information on our records therefore we’ve had to decline these offers.

It transpires that no one has been sent a new card and that the system for loading cards will no longer respond to the transfers that we put through for members.

Our staff have contacted Engage Cards who apologised for the issues caused and confirmed that a provider that they use has created the problem and that their switchboard is now jammed with calls.

We understand how much our members rely on the card transfers and we apologise for the miscommunication and inconvenience that has been caused by Engage Cards. Engage Cards are trying to resolve the issue as quickly as possible.

As some of you may already know that we intending to transfer to a new card provider called the Change Account. We are currently working with them on an improved implementation date.

M for Money launches Automatic Lending Module

Members and non-members alike can apply for a loan of up to £750 repayable over 9 months using our new fast application process.

This is our response to Pay Day Lenders because:

  • Last year in Reading residents took out a staggering 56,788 Pay Day Loans valued at £15M.
  • In Milton Keynes they took out 46,574 Pay Day Loans valued at £11.7M.
  • In Harrow it was 33,299 Pay Day Loans valued at £9.5M.
  • In Slough they took 27,899 Pay Day Loans valued at £7.8M.

Take a look at what they could have saved with M for Money by comparison to Pay Day lenders :

“Just Borrow” was designed to stop the small loan “Rip Off” so if you need a small loan fast click on the link and get started.

Happy International Credit Union Day!

It’s International Credit Union Day! Today’s the day we celebrate the spirit of the global credit union movement. We also had another reason to celebrate; it was the 70th Anniversary of ICU day! This year, we thought of a great way to celebrate the good that credit unions around the world are doing; by hearing what our members have to say (yes, you). We asked you to send in some stories of how the credit union has helped you. From the responses, we’ve picked a few of our favourites:

“Credit union is good for me to help when financial difficulties rears its ugly head, it’s comforting to know you have a few pounds available when you truly need it.”

“Credit union is a great organisation especially for the common people who earn low wages. It has helped me to achieve a lot of developments comfortably. I would recommend anyone to save money with them.”

“Having the credit union has got me out of a financial bind a few times, as well as helped me to save.”

“Very good way of saving interest rates excellent when borrowing.”

Whether you just joined or have been with us from the beginning, thank you for being a member of M4Money Credit Union. Here’s to another 70 years!

Adventurer & Author Anna’s Award to Uxbridge College student – sponsored by M4Money!

Adventurer and author Anna McNuff joined some of Uxbridge College’s most inspiring students and employer partners to celebrate their achievements at an awards night supported by organisations including M4Money Credit Union. The M4Money-sponsored Star Award for Business was won by Jenika Ranmal.

Jenika, 21, completed the Level 2 Extended Diploma in Business, and continued on to an Access to Higher Education course. This is a qualification accepted by universities that is completed in one year rather than two. During her studies, she got herself a customer-facing job at the leisure centre, despite lacking confidence speaking due to having a speech difficulty. Plus, she also has dyspraxia, which affects physical coordination. She is an excellent student with near perfect attendance. She’s also incredibly helpful to her classmates and she volunteers in her spare time.

Uxbridge College works with 1,000+ employers in employment-related training and apprenticeships, including under the West Met Skills banner, and with 600+ employers providing work experience placements.

Guest star Anna, whose incredible endurance feats include cycling through every state in the USA and running 3,000 miles from one end of New Zealand to the other, is also the author of ‘The Pants of Perspective’ about her 148-day kiwi trip. As well as presenting the awards, Anna talked about her life and adventures – and shocked everyone by ripping off her baggy walking trousers mid-sentence to reveal the authorial ‘pants’ – a pair of lurid Spandex leggings decorated with rainbows, a unicorn, and a wolf! Students and employers who work with Uxbridge College received their awards from Anna and had their photos taken with her.

The principal of Uxbridge College, Laraine Smith OBE, said: “I would like to say a huge congratulations to all our student and employer winners at this year’s awards – as well as a really big thank you to Anna McNuff for making the evening so special. Whilst our awards are partly about some of the more apparent forms of success such as excellent grades and high pass rates, what really shines out among our winners is what they achieve as individuals during their time at college – be it through the challenges they overcome, the journeys they go on, or the people they turn into as they take up opportunities in and outside the classroom to fulfill their potential. I’m extremely proud to be at the helm of such a fantastic organisation that continues to make this possible for young people and adults year on year.”

The event, held at The Beck Theatre in Hayes, recognised winners from across the College’s academic and vocational programmes – including GCSEs, A Levels, BTEC qualifications, Apprenticeships and HNDs – and from among the 1,000 employers the College works with.

M4Money Data Privacy Notice



We are financial cooperative providing savings and loans to our members.  Membership is open to anyone living or working within the common bond, which is currently anyone living or working in the boroughs of:

  • Hillingdon
  • Harrow
  • Spelthorne
  • Slough
  • South Bucks
  • Chiltern
  • Wycombe
  • Windsor & Maidenhead

We are committed to protecting our members’ privacy. This is explained in our full privacy statement available here. A summary of your rights is given below.


We promise:

  • To keep your data safe and private
  • Not to sell your data
  • To allow you to manage your marketing choices at any time


In order to provide you with products and services, we need to collect, use, share and store personal and financial information about you.  This includes information which we:

  • Obtain from you or third parties, such as employers, credit referencing agencies (who may check the information against other databases – public or private- to which they have access), or fraud prevention agencies. This information may come from your interactions with us or with them.
  • Learn from the way in which you deposit or withdraw funds from your account or from your borrowing and repayment history.


  • Maintaining your Credit Union Account;
  • Assessing and identifying products and services;
  • Assessing loan applications;
  • Detecting and preventing crime (including money laundering);


  • Name and Addresses;
  • Telephone Numbers and Email addresses;
  • National Insurance number;
  • Date of birth;
  • Gender;
  • Bank Account details;
  • Employment details;
  • Next of kin details;
  • Account balances and transaction history;
  • Copies of documentation to prove your age, address or income. e. passport, utility bill and bank statements;
  • Telephone recordings;
  • Copies of any letters and emails to us.


For more information about how your rights apply to your membership of M4Money credit union, you can contact us at


M4Money Credit Union
The Bungalow, Pinkwell Lane, Hayes Middlesex, UB3 1PE
Phone 020 8756 3866

M4Money Credit Union Are Supporting Foodshare

Foodshare is an amazing charity that works to provide food and help people in and around Maidenhead who cannot afford to feed themselves. An area where many people are living in poverty, Foodshare is doing an amazing job doing everything they can to help and we’re proud to support them. To find out more about Foodshare, visit their website ( where you can also find inspiring stories and their contact details.

Foodshare Logo