Victoria Square Branch Opening


Our branch is open Monday to Friday 10 am to 1 pm


For the safety of staff and members, please do not come into branch unless it is absolutely necessary.
You can access your account balances, make savings withdrawals, apply for loans and send us enquiries online using the member area or the App. If you have a bank account or Engage prepaid card for withdrawal of funds, please use this method.


Entry to the branch is limited to one person at a time, so if you do come to branch you should expect to wait in a queue outside. Queues are longest between 10.00 am and 10.30 am.


We regret we are now unable to take loan and member applications in branch. We continue to accept online applications. Once you have applied we will contact you with the decision or if we need more information. We are also not able to tell you the progress of your loan application in branch.



Phone lines are open 9.30am to 4pm. Our lines are especially busy between 9.30am and 1.00 pm. If you can’t get through or cannot wait, please leave a message with your name, member number and contact details. (We can’t call you back if you don’t leave a message) and we will get back to you as soon as we can. Better still, please register online or on the App to send messages so that our ‘homeworker owls’ can respond more quickly.


Do not call us if you simply want information on the progress of your loan application. We will not call you back until a decision is made.



Email enquiries may take up to 24 hours to respond.  Please register into the member area or the app and send us messages from there to get a quicker response.



Loan applications

We now only accept membership and loan applications online. Please be patient and an owl will contact you when a decision on the loan application is made. Do not call us if you simply want information on the progress of your loan application. We will not call you back until a decision is made.


Our message to you is that your money is safe, and although we may have reduced opening hours of our Town Centre branch, our online services are open Monday to Friday 9.30 am to 4.00 pm.


Thank you for your support and understanding, and keep safe.


See below on how to register for online services

Register for online services

Register for online services

If you are a member of Hoot you can register on the member area to find balances and make instant savings withdrawals.


You can also download our App. Look for Incuto in the Apple Store or Google Play


You can also use the member area to send messages and make enquiries.

Withdrawing your money

Withdrawing your money

You can withdraw savings by transfer to your bank account. Register into the member area or the App to make the withdrawal.


Usually take your money in cash at the branch?


Should we have to suspend cash withdrawals in branch you will need an alternative way of accessing your money.


Register alternative bank details
Request a BACS Authorisation Form from or by message in the member area and register your bank details. You can then go online, onto the App or call us to transfer funds.

Apply for a Prepaid Card

Apply for a Prepaid Card

Apply for an Engage Prepaid Card
Download the Engage Application Form and send to Or request an PrePaid application form from or by message in the member area.


When you have received and registered your card we can automatically transfer your funds. You can then use instore, online or withdraw from an ATM (charges apply)


Already have a Prepaid Card?
Your card has a unique sort code and account number. You can use that to have your benefit or wages paid directly onto your card. Log into the Engage App or the Engage website to see the details.

Making deposits

Making deposits

Set up a standing order or bank transfer
You can make loan repayments or pay money into your account by standing order or bank transfer.


You can request the details by message in the member area or by email.


Please note payments made by bank transfer will take one working day to reach your Hoot account.



The England Illegal Money Lending Team (IMLT) recognise that this period may be one of increased financial pressure for some people. The Team is fully committed to ensuring that illegal money lenders (loan sharks) do not take advantage and profit from other people’s hardship.


The Stop Loan Sharks helpline service (0300 555 2222) remains open and fully operational during the COVID-19 pandemic. We encourage not only victims but friends, family members and the wider community to come forward if they suspect someone is suffering at the hands of loan sharks.

Beware of Covid-19 Scams


Click here for details

“Try this perspective shift. Instead of seeing ‘social distancing’ and travel bans as panic, try seeing them as acts of mass co-operation intended to protect the collective whole. The plan is not about individuals going into hiding. It’s a global deep breath…an agreement between humans around the planet to be still. Be still in the hope that the biggest wave can pass without engulfing the most vulnerable amongst us”

Dr Lindsay Jernigan