Join us
Why join The Money Co-op?
An easy way to save: Build a savings habit without having to think about it. Savings start from just £5 a month. Explore saving with us
Affordable loans for members: Once you’re a member, you can apply for a fair and affordable loan. You’ll continue to save while you repay, building your savings pot at the same time. Explore our loans
Responsible lending: all loans are subject to affordability and credit checks, and membership terms and conditions.
Join a community that puts members first
We’re a member-owned co-op, here to help you feel more confident about your money. From building your savings to borrowing at fair rates, we offer money positive financial services designed around our members.
Member benefits
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Save automatically from £5 per month: simple, straightforward and easy to manage. Discover our saving options
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Fair finance: members can access affordable loans with competitive rates, and continue to build savings as you repay by payroll deduction. Discover our loans
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Community impact: Contribute to a community that supports and benefits its members.
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Free membership: Join for free, with no hidden fees or charges.
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Grow money confidence: Receive tailored guidance and tools to help you manage your finances.
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Don’t have time right now? We’ll send you some info later.
No pressure, no spam – just the good stuff!
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Who can join?
Anyone can join The Money Co-op! You can join straight away if you:
- work for one of our payroll partners
- work in retail, co-operatives, charities, NHS, health and social care, housing, education or local government
- are a co-op member
- are a member of Usdaw
Not sure if you qualify? You can still apply, and we’ll help guide you through the joining process.
Testimonials
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“Very satisfied and really glad I joined. It’s helped me a few times.”
Chris
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“I cannot stress enough how happy I am to be a member. The staff are amazing, so helpful!”
Ella
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“Love being a member! It’s the first time I’ve been consistently able to save.”
Farah
FAQs
You can join online by completing our online membership application. Membership is free, and you can start saving with as little as £5 per month.
You will need to join the credit union first, then once your membership is completed, you can apply for a loan.
Take a look at our loan products to find the option that best suits your needs.
You can join The Money Co-op straight away if you:
- work for one of our payroll partners
- work in retail, co-operatives, charities, NHS, health and social care, housing, education or local government
- are a co-op member
- are a member of Usdaw
Not sure if you qualify? You can still apply to join here, and we’ll help guide you through the joining process.
As a member of The Money Co-op, you’ll have access to affordable loans, flexible savings accounts and a range of tools and support to help you manage your money.
Members may also receive annual dividend payments on eligible savings balances, as well as being part of a community-focused organisation that puts people before profit.