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Membership Application

Membership Application

Step 1 of 7

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  • 1. Personal details

  • Your information, including the amount of dividend received annually, may be reported to HM Revenue and Customs and may be transferred to the government of the territory you are resident in for Tax purposes in accordance with International Tax Compliance Regulations 2015. You confirm that the above information is correct and that you understand it is your responsibility to inform Scotwest should your tax residence status change at any time during your membership of the credit union.
  • 2. Contact details

  • (Please DO NOT include any international dialling code. Telephone numbers should start with '0' with no spaces)
  • (Please DO NOT include any international dialling code. Telephone numbers should start with '0' with no spaces)
  • 3. Employment details

  • 4. Savings account details

  • At Scotwest we offer a range of savings accounts. Please use this section to provide us with details of the account(s) you are looking to open and your preferred options in terms of initial deposits and regular deductions. Please note that anyone joining the credit union must open a Scotwest Saver Account.
  • Young Scot Carers

    In order for us to process your application and for your Young Scot Carers benefit of £50 to be added to your Scotwest Saver Account, we require you to provide your unique code supplied to you by Young Scot and upload two forms of identification in order for us to verify your identity and your address under money laundering regulations. Please select one form of ID from Table A and one from Table B from this list and upload a good quality photograph, photocopy or scan. If we are unable to use the uploads provided we will contact you to provide suitable versions as soon as possible.

    You will be asked below to either make an initial deposit or set up regular savings in order to proceed with the application. You are not required to make any deposit as £50 is added to your account as part of this offer, however please select 'Yes' to Initial Deposit then choose Cheque to allow you to proceed. If wish to set up regular savings into your new account select 'Yes' at that point and follow the instructions, otherwise select 'No'

  • Drop files here or
    Accepted file types: pdf, doc, docx, jpg, jpeg, png, gif, xls, xlsx, txt, Max. file size: 10 MB, Max. files: 2.
    • Every Member of Scotwest must hold at least £1 in their Scotwest Saver Account. You can arrange an Initial Deposit and/or set up a Regular Deposit here.

    • Initial Deposit

      Initial deposits can be made by cheque or debit card deposit.

      Cheques should be made payable to '(Your name), c/o Scotwest Credit Union'.

      For debit card deposits we will contact you to take your card details over the phone.

      Please note - if you are opening one of our Notice Accounts, a minimum initial deposit of £50 will be required.

    • Regular Deposits

      One of the advantages of saving with Scotwest is the ability to save on a regular basis. You will also be able to earn Young Scot Extra Reward Points every month that you save into your Young Scot Extra Savings Account.

      If you work for one of our select employers, payroll deduction facilities allow you to save directly from your wages or salary each pay day. Direct debit facilities are also available for anyone joining from outwith our select employers.

      Please note: as a credit union we encourage our members to save even a small amount on a regular basis. This establishes a savings history with us which may be of benefit should you be considering applying for a loan at any time.

      When opening a Christmas Savings Account, £1 from your first regular deposit will be transferred to your Scotwest Saver Account to activate your membership unless you make an initial deposit. All further deposits will got to your Christmas Account in full.

      If you prefer not to set up regular deposits, you will need to make an initial deposit of at least £1 into your Scotwest Saver account in order to comply with our rules. We will contact you to organise this.

    • For new members who work for one of our current select employers. Simply complete the details below and we will organise your chosen deduction with your pay office.

      Please note: Depending on your employer, on receipt of your application we may have to forward you a paper authority for signing.

    • You will be able to set up your Direct Debit Instruction at the end of this online application.

      For paying by Direct Debit, please confirm the following at this stage:

    • DD slash MM slash YYYY
      Please allow at least 14 days for your payments to be set up
    • This value is calculated as the total of the values entered above.
    • Christmas Savings Account

      Please provide details of your nominated bank account for your Christmas Savings account below. Savings will be paid out to this account each November.

    • The Scotwest Lottery

      All Scotwest Members aged 18 and over are eligible to join the Scotwest Lottery which gives away prizes totaling more than £8,000 every month. Entries cost just £1 each and up to 15 entries can be made each month. The money will be deducted directly from your Scotwest Saver Account. If you wish to join the lottery, please ensure you have enough funds in your Scotwest Saver Account to cover the price of your entries
    • Loan Details

    • Personal Details

    • Address 1

    • From
    • Until
    • Address 2

    • From
    • Until
    • Employment Details

      How long have you worked for your current employer

    • Income and Expenditure Details

      Monthly Income

    • Other monthly income eg pension, benefits etc (please specify)

    • Monthly expenditure

    • heating/lighting etc
    • buildings, lift, car etc
    • travelcard, road tax, petrol etc
    • including entertainments, clothing etc
    • mobile, landline, broadband, cable, satellite etc
    • including HP
    • including store cards
    • factors fees, gym, maintenance, childcare
    • Loan Details

    • With the Consolidation Loan, Scotwest will pay your creditors on your behalf if your loan application is approved

    • The Green Car Loan is applicable only for electric or hybrid vehicles. We cannot pay out the 2.9% Green Car Loan for any other type of vehicle.

      Please ensure that the vehicle you wish to apply for qualifies by checking here: https://www.gov.uk/check-mot-status

    • Hidden
    • or

    • Revolvaloan

    • (min £600 / max £2500)
    • Loan Declaration

      Please read the Scotwest Data Privacy Notice statement of this application. Full terms and conditions for our loans are available in the loan section of our website or by calling the Member Enquiry Line 0141 227 2390.

    • Declaration

      Prior to submitting this application, please ensure you have read the Important Information section, the Financial Services Compensation Scheme Information and Exclusions List and the Data Privacy Notice. Full terms and conditions for all of our savings accounts and the Scotwest lottery are available on this website or by calling the Member Enquiry Line.

    • Please read our Young Scot Extra Savings Account Terms and conditions.

    • Scotwest Saver Account Terms & Conditions
    • Notice Account Terms & Conditions
    • Christmas Savings Account Terms & Conditions
    • Young Scot Extra Savings Account Terms & Conditions
    • Scotwest Lottery Terms & Conditions

    Our Services

    • Savings
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    • Christmas Savings Account
    • Notice Accounts
    • MoneyWise Account
    • Scotwest Loans
    • Unsecured Loans
    • SavingsSecure Loans
    • Revolvaloans
    • Fast £1000
    • Consolidation Loan

    More Information on Scotwest

    • About Scotwest
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    • Complaints
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    • Accessibility
    • Cookies
    • Financial Services Compensation Scheme Deposit Protection

    Membership with Scotwest

    • Membership
    • Important Information For Membership
    • Discounts and Benefits

    Scotwest Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213616)

      Get in touch with Scotwest

      At Scotwest we’re always willing to give a helping hand with all your banking needs. Please feel free to contact us and we will be happy to help in any way we can.

    • Phone us on

      0141 227 2390

    • Make an enquiry online
      Contact us
    • Address
      Scotwest Credit Union Ltd
      13 Elmbank Street
      Glasgow
      G2 4PB

    © 2025 Scotwest Credit Union Ltd.

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    Table A - Proof of Identity

    Young Scot Card
    Current signed passport
    Current UK Full Driving Licence
    Birth Certificate
    National Insurance Number Notification Letter
    Other Current PASS card (e.g. Citizencard, Validate UK, Age Entitlement, Civillian, One-ID4U)

    Table B - Proof of Address

    Current UK Full Driving Licence
    Bank or Building Society statement dated within the last 3 months (not online version)
    National Insurance Number Notification Letter (16 & 17 year old only)
    Education Maintenance Allowance (EMA) Award Letter  (16 & 17 year old only)
    Utility or landline telephone bill dated within the last 3 months
    Council Tax Bill (last 12 months)
    We would also accept a document which has been sent to the applicant from an official body such as a local authority.
    We would accept any of the above addressed to parent/guardian in the same household

    Important Information

    Scotwest Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213616). Details appear on the Financial Services Register (www.fca.org.uk/register).

    The minimum age to become a member of Scotwest is 16 years. Upon reaching 18 years, Members can apply to use our loans and mortgage products. Under current legislation, members have the right to cancel their membership with Scotwest, without penalty within fourteen days of their membership application being processed. However, membership of Scotwest is voluntary and your account can be closed at any time, providing no debts are outstanding. To cancel your membership, please contact the Scotwest office.

    Members agree to be sent information about Scotwest Credit Union, its products and services, promotions and developments as well as account statements. Scotwest Credit Union is committed to the provision of service of the highest quality to its members. In the event however, that a member is dissatisfied with any aspect of this service, Scotwest will endeavour to resolve any complaint as effectively and efficiently as possible. Members will be issued with further information after joining. In addition, if we have been unable to resolve your complaint within eight weeks, or you are not satisfied with our response, you can refer this matter to the Financial Ombudsman Service. This organisation has been set up by law to help settle individual disputes between consumers and financial firms. Scotwest Credit Union is covered by the Financial Services Compensation Scheme. This scheme provides a safety net if a Bank, Building Society or Credit Union should fail. Further information on the scheme will be issued after joining. Please note that all calls to our Member Enquiry Line may be monitored and/or recorded in order to maintain and improve our service.

    PROOF OF IDENTITY AND ADDRESS

    Under money laundering regulations, we are required to verify the identity and address of all new members before we can accept their application. To do this, we will make an electronic check. This process involves checking the details you supply against those held on a number of specific databases which Experian, the credit reference agency used by Scotwest Credit Union for the check, has access to. For example they will check to see whether you appear on the Electoral Register at the address you have provided. Scoring methods will be used in the verification process as this gives a more thorough check of the available data. A record of this process will be kept that may be used to help other companies to verify your identity. We may also pass information to organisations involved in fraud prevention to protect ourselves and our members from theft and fraud. If you supply false or inaccurate information and we suspect fraud, we will record this and share this information with other organisations. We may also, if necessary ask you to send us documents to confirm your identity and address.

    Scotwest Data Privacy Notice

    This privacy notice is to let you know how Scotwest Credit Union Limited collects and looks after your personal information. This includes what you tell us about yourself and what we learn by having you as a member. This notice explains how we do this and tells you about your privacy rights and how the law protects you.

    Who We Are

    Scotwest Credit Union is a data controller of the personal information you provide when you apply to use our products or services and carry out transactions with us. Our lawful basis for processing this information is the fulfilment of our contract with you and to comply with our legal obligations.

    Find out more about us at https://www.scotwest.co.uk/about/

    You can contact us at office@scotwest.co.uk or call 0141 227 2390. Our address is 13 Elmbank Street Street, Glasgow G2 4PB.

    How We Use Your Personal Data

    Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. Your personal information is used by Scotwest Credit Union in order to fulfil our contractual obligations to you as a member and our legal obligations as a financial institution which includes:

    • Checking your identity
    • Administering your membership
    • Maintaining and managing your accounts
    • Sending you account statements, information regarding your membership and AGM notifications
    • Credit assessing loan and mortgage applications
    • Recovering debts
    • Security of accounts and online services
    • Detecting and preventing fraudulent transactions
    • Activities to help in the prevention of money laundering and other financial crime

    How We Use Your Personal Data for Marketing Purposes

    You may give us your consent to receive promotional material and information. You have the right to withdraw this consent at any time.

    Your Personal Data That We Hold

    Scotwest holds the following information about you:

    • Personal data such as name, address and date of birth, including any information you provide to us when you apply for a product or service, even where this is declined
    • Contact details including postal address(es) email, phone numbers and where your computer connects to the internet
    • Your National Insurance Number
    • Details of the products and services that we provide to you and have provided to you in the past
    • Information about payments to and from your accounts, including bank account details
    • Details of your family members and next of kin
    • Details of when you contact us and when we contact you

    Where We Get Your Personal Data

    The personal information that we record is provided by you when you:

    • Apply for membership to the credit union
    • Contact Scotwest to change your details during the course of your membership whether in person, online, in writing or by telephone
    • Apply for any of our services and products including savings accounts, loans and mortgages
    • Complete Scotwest Member surveys
    • Take part in any competition or offer run by Scotwest

    We may also obtain your personal information from other agencies including:

    • Fraud Prevention Agencies
    • Credit Reference Agencies

    How We Share Your Personal Data

    In order to provide our services we share your data with our data processing partners:

    • IT System Providers
    • Distribution Partners
    • Employee Partners (to administer Payroll Deduction)
    • Auditors

    Details of Scotwest Lottery entrants will be shared with The Scotwest Lottery in order to run the lottery draw.

    We share the details of Scotwest Young Scot Extra Account holders with Young Scot in order to process reward points.

    In order to process your membership application we will verify your identity and share your information with the credit reference agencies below. Details of how you repay any loans you have with Scotwest will also be provided and these agencies will make this information available to other lenders who may use it for credit assessment, tracing of absconders and fraud prevention. You can find out more about these credit reference agencies and how they use your information here:

    Call Credit - www.callcredit.co.uk/crain

    Equifax - www.equifax.co.uk/crain

    Experian - www.experian.co.uk/crain

    In the event that you default on loan repayments, details may be passed to sheriff officers or other organisations to assist in the recovery of debt.

    In instances of fraud or suspected fraud, we may share personal information with other financial organisations.

    Where required by law or regulation, we may share your information with law enforcement agencies.

    How Long Do We Keep Your Personal Data

    Your personal information is kept by us for as long as is necessary to comply with any statutory or legal obligations or for audit purposes. This will normally mean for the duration of your membership and for at least 5 years thereafter.

    Individual Rights

    You and the data that Scotwest holds about you are protected under the Data Protection Act 1998 as amended by the General Data Protection Regulation. You have a number of rights including:

    • the right to be informed
      • You have the right to be informed about all aspects of the use of your personal information. Scotwest will always let you know how we collect your information, why we need it and how we use it
    • the right of access
      • You can request access to a copy of the personal information about you that Scotwest holds as well as details on how we use it, at any time. You can send your requests for information to office@scotwest.co.uk or Scotwest Credit Union, 13 Elmbank Street, Glasgow G2 4PF or call us on 0141 227 2390
    • the right to rectification
      • If any of the personal information that we hold on you is incorrect or has changed, you can ask us to make it right at any time by contacting us office@scotwest.co.uk or Scotwest Credit Union, 13 Elmbank Street, Glasgow G2 4PF or call us on 0141 227 2390
    • the right to object
      • You have the right to object to how your personal information is used for marketing purposes. You can unsubscribe from receiving promotional emails from Scotwest at any time using your online banking account or by contacting marketing@scotwest.co.uk
    • the right to data portability
      • You have the right to request copies of your personal information held by Scotwest in a format which allows you to use it for your own purposes across other platforms and systems

    You may have further rights under this legislation. These do not apply to the information held on you by Scotwest under your membership contract. Find out more at www.ico.org.uk/

    How to Make A Complaint

    We are committed to providing service of the highest quality to our members. If you are unhappy with any aspect of how we use your data we want you to tell us. We will aim to resolve your complaint within 3 days of receipt. However, should that not be possible, we will write to you to acknowledge the complaint and keep you regularly updated about what is happening.

    You can contact us with your concerns in the following ways:

    Phone: 0141 227 2390
    Email: complaints@scotwest.co.uk
    Post: Scotwest Credit Union, 13 Elmbank Street, Glasgow, G2 4PB
    Visit Us: 13, Elmbank Street, Glasgow, G2 4PB

    You can find out more about the Scotwest complaints procedure here: www.scotwest.co.uk/about/complaints/

    You also have the right to complain to the Information Commissioner’s Office. Find out on their website how to report a concern at https://ico.org.uk/.