Hastings and Rother Credit Union

Pre-paid Visa Card

A great new way to manage your money and get the best out of your credit union account.


This card will cease to function shortly. If you currently use one, make sure you read the correspondence you will receive telling you how to obtain a replacement.

What is a Prepaid Card?

It is a pay-as-you-go Visa payment card. The Credit Union loads money onto the card from your account and you can then use it to buy goods and services in store or on-line, withdraw from cash machines or obtain “cash backs” in the same way as any other debit card but your account cannot go overdrawn.


What are the Benefits?

Prepaid cards are a simple, safe way to participate in an increasingly card-based economy without getting into debt. You can use the card to take advantage of the many cost-savings available on line. You can also set up recurring payments through your card to pay utility bills just like a direct debit so they are a great tool for budgeting as well.


About the Hastings & Rother Credit Union Prepaid Card

We operate the card through VISA and the Association of British Credit Unions Limited (ABCUL). It has been designed exclusively for credit union members and is available only from credit unions.


How does it work?

You contact us with a request to load money onto your card from your credit union account. You can load on money from your shares or, if you have taken out a loan, you can load that as well. Once the card is loaded you can use it to withdraw cash or make purchases, just like any Visa card. The minimum amount that can be loaded onto your card at any one time is £5.

You can check your balance, recent transactions and request assistance (for example if you lose your card) online, by text or over the telephone.


Where can I use the card?

The card can be used wherever Visa is accepted, so for all purchases made in person or online, at cash machines and for cashback at the point of sale. Your card can also be used abroad in cash machines that show the Visa logo and as payment wherever Visa is accepted.

The credit union movement as a whole has decided that there are certain activities that it does not wish to support and your card will be declined in areas such as online gambling and “pay day” loans.


How do I get a card?

In order to qualify for a card you will need to:

-        be over 18 years of age

-        be a member of Hastings & Rother Credit Union

-        have a telephone capable of receiving text messages

-        complete the application form attached to this leaflet and send it to us at the office.


We may need to speak to you before issuing your card to check your identity.

Once we have processed your application we will send you your card, instructions on how to activate it and full terms & conditions.

Your card does not show your name, only “Hastings Rother CU”, this allows us to issue cards very quickly and keep things as simple as possible. It also adds to the security of the money on the card.


How much does it cost?

Card Fees

Card Cost (once only)

£5.00 (includes a £1.50 admin. fee)

Card activation


Card renewal


Damaged card replacement


Lost / Stolen card replacement


PIN retrieval (text message or telephone)



Periodic Fees

Joining Fee


Monthly Fee


Annual Fee


Inactive Fee



Transaction Fees

Card Load


Purchases (UK)


Purchases (Overseas)

50p + 1%

ATM Withdrawal (UK)


ATM Withdrawal (Overseas)

£1.50 + 1%

Cash Back (UK)


Balance enquiry (excluding text message or call cost)


Card unload


Disputes & Chargebacks



Contact Fees

Contact centre cost per minute

Local rate

Lost & stolen line cost per minute

Local rate

SMS fee

50p (PIN retrieval & activation are free)

Paper statement retrieval

Free – contact customer services


The initial cost of £5 will be taken by deducting £1.50 from your credit union account and £3.50 from the first balance loaded onto your card.


If you need further information or have any questions you can:


Further information can be found here or downloaded

Downloads  (pdf)

Product summary 

Frequently Asked Questions

Full terms & conditions

Application form

The information on this page is available as a pdf leaflet here

Hastings & Rother

Credit Union

49 Cambridge Gardens

Hastings TN34 1EN

Tel: 01424 202651

email: info@hrcu.org.uk

Contact Us