Put your credit union at the heart of everyday money.

More than somewhere to save and borrow

Become part of every day.

For many people, their everyday account sits at the centre of their financial life. It's where money comes in, bills go out and everyday spending happens.

Murmuration enables your credit union to become part of those everyday moments, alongside the savings, lending and support you already provide — more reasons for members to choose you, engage with you and build a deeper financial relationship with you.

Your brand. Your members. One connected experience.

Regulated e-money infrastructure

The account is delivered using regulated e-money infrastructure designed to support secure everyday payments and money management.

Members' money is safeguarded

Funds held in the e-money account are safeguarded in accordance with applicable regulatory requirements — kept separate from the funds used to run the e-money provider’s business.

Security built in

Strong authentication, account controls and secure technology help protect members and their accounts.

Clear oversight

Defined responsibilities, controls and oversight give your credit union confidence in the service behind the member experience.

Debit card

A simple, convenient way to pay for everyday purchases using their account.

Apple Pay & Google Pay

Members can add their debit card to their digital wallet and pay using the devices they already carry.

Faster Payments

Send and receive money through the UK's Faster Payments network.

Everyday account

Receive money, make payments and manage everyday finances from one simple digital experience.

Secure by design

Convenience should never come at the expense of security.

Murmuration's everyday banking experience is built with security at its core, helping members access and manage their money safely without adding unnecessary friction. Secure authentication, appropriate account controls and ongoing safeguards work behind the scenes to help protect every interaction.

Simple for members. Secure by design.

Become part of your members' everyday lives

More everyday interactions. More meaningful relationships.

When a member only comes to their credit union for a loan or savings account, there may be long periods between interactions. Everyday banking changes that.

Payments, purchases and money management create regular touchpoints, strengthening the relationship and creating a richer understanding of members’ financial lives — so you can deliver more relevant communication, encourage saving and identify when support might be needed.