The CU App is our brand-new mobile app for your smartphone which helps you to manage your money ‘on the go’. Members can also manage their money conveniently, whenever you wish by clicking ‘Member Login’ on our website. Securely request withdrawals, view account balances, transfer between accounts and view transaction history at the touch of a button. Download the CU App on your smartphone now or head to our website and click on ‘Member Login’ to access your account.
Yes. Members are at the heart of everything we do, and our CU App and new Member Login area have security at the core.
We have invested in our technology to make sure you can manage your money on the go – anytime from anywhere! The CU App and new Member Login has more features and means you can fully manage your account from your smartphone, computer or tablet.
Downloading the CU App is simple. If you have an Apple or iOS phone, click here. If you have an Android phone, click here. When you see the pink CU App icon, click on download.
Information about our new CU App and new Member Login area, has been sent out via email, text message or post. If you have not read any information about the CU App, this may have been delivered to your email’s Junk or Spam folder. If you can’t see our email, please get in touch and we will double check the contact information we have saved for you and resend this information.
If you’re having problems with the CU App or new Member Login area, you can contact us by email, Nivo and telephone. Please remember that we are here to help but our phone lines might be very busy.
In order to use the CU App or new Member Login area, you will need to click on the pink banner which says ‘First time using our app? Set up your login details here’.
You will need to enter your membership number, National Insurance number and date of birth, then click on ‘Validate’.
You will then be sent a security check via text message. Make sure to click on ‘Send SMS’ to receive the text message. Enter the 6-digit code you will receive by text message. If you do not receive this message, click on ‘resend’ or get in touch so we can check the mobile number we hold for you.
Now you will be able to set your password and memorable question. Please note that the answer to your memorable question should be one word only. Once you have entered your password and answer to your memorable question, click ‘Proceed’.
Here you can ‘confirm’ the details entered previously. Once you are happy, you can confirm you have read and accept the Terms & Conditions, and you have read and understood the privacy notice. Click on ‘Proceed’. You should see a green tick and ‘success!’.
Click on ‘Done’ and then you’re all set – you can use the CU App or access your account via the ‘Member Login’ button on our website, from your smartphone, tablet, laptop or computer.
If you are having problems logging into the CU App or members area and are unsure why, you can contact us by email, Nivo and telephone. Please remember that we are here to help but our phone lines might be very busy.
To access the CU App and Member Login area, members have a new membership number. Your new membership number is made up using your previous membership number. You new membership number will begin with 3 then four or five 0’s and then your previous membership number, adding up to 10 digits in total. You can also find your new membership number is recent emails from us. If you cannot find your membership number, please get in touch.
On Monday 30th September 2024, we launched our brand-new CU App along with our new Member Login area. Our new app and Member Login area, which is accessible from our website, allows members like you to manage their money on the go – anytime from anywhere. Due to this, our Penny Post App is no longer available, and members will need to download the CU App, or set up new login details on our Member Login area.
Downloading the CU App is easy. Simply click the button below and click ‘download’ once you see the pink CU App icon.
An OTP (One Time Passcode) is a security feature used to verify your identity. It’s a temporary code sent to your phone that you use just once to log in. To keep your account safe and secure, we use OTPs to make sure only you can access your credit union account.
If you are not receiving OTPs, please click on ‘resend’. If you have updated your mobile number, we may also have the old mobile number on our system. Please please get in touch to update your mobile number with us.
To reset your login details, click on ‘Lost your login details?’ at the bottom of the screen when you’re trying to login. You’ll need to enter your membership number, date of birth, mobile number and national insurance number. Then click on ‘proceed’. You’ll receive a OTP and then you can continue to reset your login details.
We recommend that you reset your password and memorable question at the same time.
For security, we will need to ensure your date of birth, national insurance number and mobile number match what we hold on our system for you. You can check these details with us by email, Nivo, or telephone. If you notice we hold your old information, we can update this for you straight away to you can get online.
If you’re using the CU App on a laptop or computer, to log out all you need to do it click on the power button at the top right-hand corner of the screen and click log out.
If you are on a smartphone, use the dropdown menu to log out of the CU App.
You can withdraw your savings from the CU App from your smartphone or tablet, and from the Member Login area. Log into the CU App or your Member Login area, and click on ‘Payments & Transfers’ along the top of the screen. Then click on ‘To external bank or building society’.
If you are unable to see your banks account details, you will need to add those details as a payee. To add a payee, click on ‘Payments & Transfers’ and then ‘Add Payee’. Once you have entered and saved your bank account details, you can go ahead to make your withdrawal.
To add a payee, log into your account via the CU App or Member Login button on our website. Click on ‘Payments & Transfers’ at the top of your screen and then ‘Add Payee’. Once you have entered and saved your bank account details, you can go ahead to make your withdrawal.
Yes. Log in to the CU App or Member Login area and you’ll see ‘Apply for a Loan’ along the top of the screen, or in the drop down menu. Click here and you will see the loan products you are able to apply for. Please take a couple of moments to check your details before starting your loan application as inaccurate details can cause delays.
Whether you are using the CU App or Member Login area. you can begin a loan application and come back to finish / submit it at another time. To find a loan application you started and wish to finish, you will need to click on ‘Apply for a Loan’ along the top of the screen or from the drop down menu. Then you will see the option to ‘Complete the application I’ve previously started’. Here, you will see the loan applications you have started but not submitted.
In order to withdraw your savings, you need to ensure that your bank or building society’s details are added on to the CU App as a payee. To add your bank or building society as a payee click on ‘Payments & Transfers’ along the top of the screen or from the drop down menu. Then click on ‘Add Payee’. Make sure to select ‘External Bank / Building Society’, then enter the required details below.
You can easily change the amount you save regularly by payroll deduction and direct debit. Along the top of the screen, you can see ‘Regular Deduction’. Click here and you will see where your funds are being saved. If you have a loan with us, you will see some of your funds are paid towards your loan balance and the rest is saved into a savings account. To amend your savings, click on ‘Amend’ and then you can increase your regular savings amount, and / or change the split as to where you funds are saved.
Yes, members can send in extra payments to increase their savings balance or to reduce their loan balance*. You can set up payments into your credit union account in the same way you would do this from your bank account. The details you need are:
Sort Code 60-83-36
Your account number is unique to you to make sure your money is deposited into your account safely. You can find your account number by logging into the CU App or Member Login Area and select the account you wish to pay into. You can pay directly into your savings accounts or towards your loan. Here is an example:
* When a loan requires a level of savings, we usually only take into account savings built up in your Penny Post accounts. However, we will consider lump sums paid into your Penny Post account from other sources, if you are able to provide evidence that the lump sum has come from other savings.
To use the new CU App and Member Login area you will need to know your new membership number. Our existing Penny Post members, this will begin with a 3, then be made of of 0’s and then your original Penny Post membership number – this total number will be made up of 10 digits in total.
If you have forgotten your membership number, you can easily find this on our CU App and new member login area. Open your CU App and click on ‘Lost your login details?’ or head to our website and click on ‘Member Login’ at the top of your screen, and click on ‘Lost your login details?’.
You then need to click on ‘Forgot your membership number? Click here to retrieve link.’ Type in your date of birth or use the calendar icon, and enter your National Insurance number below. Then click on ‘Proceed’.
You will then be sent an SMS with your Membership Number to log into the CU App or Member Login area.
Remember, our customer service team is on hand if you need any support.
Your available balance might be £1 less than expected because this £1 represents your ‘share’ in Penny Post Credit Union. This share gives you the right to vote on important decisions at our Annual General Meeting.
Additionally, some of our loan products require you to keep a percentage of your savings in your account while repaying the loan. This helps you benefit from lower interest rates. For example, with our Savings Secured Loan, you must keep 100% of the loan value in your Membership Account until the loan is fully repaid.
Your available balance only reflects the amount you can withdraw, so it may be lower if some of your savings are held against a loan and are not available for withdrawal.
All members are required to keep £1 in their membership account. This £1 is your “share” in Penny Post Credit Union, showing that you are an active member. As a financial cooperative, Penny Post is owned by members, just like you. This £1 share allows you to vote on important decisions at our Annual General Meeting and reap the benefits of being a member with us.
In the CU App and Member Login area, you’ll see both an available balance and an current balance.
Your current balance reflects the total amount in all your savings accounts, such as your Membership Savings, Instant Access Account, and Christmas Savings.
Your available balance shows the amount you can withdraw. This balance may be lower because some loan products require you to keep a portion of your savings in your account while repaying the loan. For example, with a Savings Secured Loan, you must keep 100% of the loan value in your Membership Account until it’s fully repaid.
The available balance accounts for any savings held as collateral against your loan, which you cannot withdraw at this time.