There are many ways to access your Hoot account.
Please always have your member number ready when you call




Visiting our Victoria Square Branch



Our branch is open Monday to Friday 9.30 am to 1.00 pm


For the well-being of staff and members, our branch remains open or essential cash services only.

You can access your account balances, make savings withdrawals, apply for loans and make 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.


Please observe the directional signs when you come into branch, observe social distancing and wear a face covering if possible. Queues are longest between 9.30 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.


If you need assistance with online applications please call 01204 365024. Please note that assistance will not be available instantly and arrangements will have to be made.



Telephone Enquiries



Phone lines are open 9.30am to 4pm. Our lines are especially busy between 9.30am and 10.00 am, plus between 12.00 and 1.30 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


Emails to enquiries may take up to 24 hours to respond.  Please quote your member number when you contact us.


Don’t forget that you can 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.


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



Online Services



Members can activate their account online to check balances, make savings withdrawals, apply for a loan and send messages.



See more on how to activate your online account below

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

If you are already a member with Hoot you can apply for an Engage Prepaid Card


With low fees , no credit checks and no lengthy applications.
The Engage digital account and Visa Debit card is available to all members of Hoot Credit Union.


For more information and to apply go to

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.