Online banking products

Banking Products

Enjoy easy and simple access to your money

Banking with 1st Alliance

1st Alliance (Ayrshire) Credit Union currently offers three banking products to its members:

  • Prepaid Debit Cards
  • Smartcash Account (debit card designed for 8 – 16)

Prepaid Debit Card

We offer our members a prepaid Visa debit card, which can help you to manage your day to day finances.

Why use a pre-paid card?

  • Once you’ve added funds to your card in the credit union, you can use it to withdraw cash or make purchases, just like any Visa card
  • You can use your card to make payments free online, in store or over the phone
  • Your card can be used worldwide
  • Check your balance and see recent transactions online, by text or phone
  • Helps you manage your money 
  • Brought to you by your Credit Union and by ABCUL, an ethical, not-for-profit alternative

If your card is LOST or STOLEN please call: 0345 467 4260 or 0845 467 4260 / Automated line: 02072 633 706, you will need your card number and access code to use this service.  

Or login to check your account details.

To apply for a card please make an appointment on 01294 557 123.  Full terms and conditions can be viewed at Prepaid Card terms and conditions.

How much does it cost?

  • A one-off purchase cost of £5.00 plus £5.00 initial load
  • No monthly or annual fees
  • Each load costs 50p*
  • Purchases in shops and online are free*
  • Cashback is free*
  • Withdrawal from a cash machine costs 75p*

*These fees are for transactions in the UK. Please see our terms and conditions for full details.

Apply in branch today. 

Smartcash Account

The Smartcash Account offers a debit card designed for 8 – 16 year olds:

  • Parental/Guardian permission and supervision online
  • Cash back rewards on selected retailers
  • Card has a sort code and account number so money can be paid in direct
  • Set up standard orders and pay bills
  • Full online service

Smartcash customer services: 0333 2023 642 or view full terms and conditions.

To apply for a card please download our Junior Application Form.