The Change Account

The Change Account provides an innovative alternative to traditional bank accounts and provide tools to help budgeting and money management.

The product is Mastercard© branded so it has all the power of one of the most recognised, accepted and trusted global brands behind it. The Change Account offers a Prepaid Debit Mastercard and has full transactional capabilities with multiple benefits including Faster Payments and Direct Debits.

Card account

All money paid onto Your Change Account goes into Your Card account which you can access with your Card when withdrawing cash and making Card purchases. You can manage Your Card account online or through your mobile app.

Change Account Wallets

You can set up one off or regular transfers from Your Card account to Your Wallets, allowing you to subdivide your payments for effective budgeting. You can manage Your Wallets online or through your mobile app.

Your Online & Mobile App

The Change Account allows you to manage your finances online and via your mobile app 24 hours a day – securely, effectively and conveniently.

Payment Alerts

Your Change Account offers automatic online payment alerts as well as optional alerts via SMS, mobile app and email – making tracking and managing your finances even easier.

Transparent Costs

The Change Account has no hidden costs or penalty charges for missed payments. Costs for using Your Change Account are only taken from Your Card account, making Your Wallets secure for budgeting. You can view these costs online and via your mobile app.

No Overdraft or Credit Facility

It is not possible to overdraw with Your Change Account which means you can only spend the money you have available.

No Credit Check

Even if you have a bad credit history or have been made bankrupt you could still qualify for a Change Account. We do not exclude people for having a bad credit history as we want to offer an inclusive product available to all.


Its not just us that think The Change Account is great – it’s been nominated for two awards in 2015:

-Innovation in sustainability or social responsibility
-Most innovative support for customers in vulnerable circumstances

The Coventry and Warwickshire Reinvestment Trust (CWRT)

The Coventry and Warwickshire Reinvestment Trust (CWRT) is a not-for-profit organisation committed to supporting individuals, start-ups and businesses in Coventry and Warwickshire and further afield and through its investment, creating a positive and beneficial impact upon the local community. Obtaining business finance can sometimes be difficult. The lack of a track record, unreasonable security arrangements, past financial problems or simply not meeting conventional credit scoring methods may raise barriers to obtaining funding. Therefore, CWRT are there to help removes these barriers and provide you with an alternative route access the finance that you need. More for information, please check out their website –