Manchester Credit Union Limited

Reference number: 213400

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

What the FCA says

Deferred Payment Credit (Buy Now Pay Later) - temporary permission

This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.

  • This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When manchestercreditunion.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 231 5222 is
  • Who else gives the postcode M2 5HX
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Beswick and Openshaw Credit Union Credit Former name
  • East Manchester Credit Union Limited Former name

FCA permissions and consumer protection

  • Hold or safeguard your money · Handle payments & transfers FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (4 permissions)
  • Accepting Deposits
  • Credit Broking
  • Entering into regulated deferred payment credit agreements as lender
  • Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Key dates in its history

Manchester Credit Union’s history from the FCA register and Companies House, newest first.

Key events (6) All events (9)

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2007

6 March 2007

  • Changed its registered name from "East Manchester Credit Union Limited"

FCA register

2002

2 July 2002

  • Became authorised by the FCA

FCA register

21 June 2002

  • Regulated by the Financial Services Authority from this date

FCA register

1999

19 December 1999

  • Changed its registered name from "Beswick and Openshaw Credit Union Credit"

FCA register

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
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Firms connected to Manchester Credit Union

Other FCA-listed firms that share a director, phone number or address with Manchester Credit Union. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Manchester Credit Union

Other firms of the same type (bank or building society), nearest first.

In Manchester

The Co-Operative Bank P.L.C.ManchesterSee the registerCash Box Credit Union LimitedManchesterAuthorisedGrand United Order of Oddfellows Friendly SocietyManchesterAuthorisedIndependent Order of Odd Fellows Manchester Unity Friendly Society LimitedManchesterAuthorisedSouth Manchester Credit Union LimitedManchesterAuthorisedThe Co-Operative Family Credit Union LimitedManchesterSee the register

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Manchester Credit Union

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Manchester Credit Union Limited FCA authorised?
Yes, Manchester Credit Union Limited (FRN 213400) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2002 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is Manchester Credit Union’s phone number and website?
The FCA register lists the phone number 0161 231 5222 and the website manchestercreditunion.co.uk for Manchester Credit Union. If you were given different contact details, use these to check with the firm before going any further.
Is Manchester Credit Union a scam or clone?
Manchester Credit Union is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Manchester Credit Union?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Manchester Credit Union to the Financial Ombudsman Service, free of charge.
Does Manchester Credit Union use any other names?
It has previously used 2 other names: Beswick and Openshaw Credit Union Credit and East Manchester Credit Union Limited.

Sources and links

The full report on Manchester Credit Union Limited

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