Qualifying for membership

To be eligible to join South Manchester Credit Union, you need to meet both of these conditions:

  • Be aged 18 or over
  • That is, your home or work postcode must begin with one of the following:
    M12,M13,M14,M15,M16,M18,M19,M20,M21,M22,M23,M90 or SK4

Joining online

You will require:

  • A valid debit or credit card to make your initial deposit of £13.00
  • To supply information for an online identification check to be made.

If you meet these conditions and wish to JOIN ONLINE TODAY, you can click on the link below where you will be invited to complete our online joining form that includes an online identification check. Please note this is not a credit search.

Making your first deposit

When your form has been submitted you will be asked to complete your first deposit of £13.00 to activate your new credit union account.
This includes a (one-off) joining fee of £3.00.
You will be re-directed to Worldpay to deposit via your debit or credit card. Worldpay is a major global leader in payment processing and operates in over 40 countries. South Manchester Credit Union has chosen them as our provider for online card transactions.

Worldpay accepts payments from the following card providers:


What happens next?

Once your payment has been confirmed, we will process your application and post your welcome pack within 3 days.

What if I don’t wish to join online?

Alternatively, if you wish to call in to the office to join, please remember to bring two forms of identification with you when you call in.
All details regarding joining in the office can be found HERE.



Refund Policy: Any new member who joins online and is not eligible to be a member of South Manchester Credit Union based on our common bond, will have their full deposit refunded to their debit/credit card and be notified of their account closure.