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How our account works

The thinkmoney Personal Account makes managing your money simple, by making sure your bills are always paid on time.

Anyone can apply, and you won't be charged for missed or late payments.

  • 1. Your incomeYour wages and/or other benefits or credits are paid into your thinkmoney account.
  • 2. Your billsWe set aside the money you need to cover your regular bills and commitments, so you won't miss anything important.
  • 3. Your cashUse your thinkmoney Prepaid Debit MasterCard® to spend where and when you want to.
  • Quick and easy to apply
94% of our customers are happy with our service

"I can only ever spend money that is spare - bills are always paid and I don't have to worry about anything."

Why choose thinkmoney?

The thinkmoney Personal Account makes it easy to manage your finances. Just tell us about your bills and other financial commitments, and we'll make sure they're paid on time.

And if you ever have any worries about your money, just tell one of our Money Managers. They're always working in the background to make sure things run smoothly, and they'll be happy to answer any questions you have.

How do you make sure my bills are paid on time?

When you get paid, we take the money you need for bills and put it into a 'Salaries' account. You can't spend this money, so there's no chance of missing a payment.

The rest of your money is placed in a 'Card' account. You can spend this money however you like using your thinkmoney Debit MasterCard.

How can I check my balance or make payments?

You can check your account whenever you like using our Online Account Management service, which lets you view your balance, check your latest transactions and even change your Direct Debits and other payments.

You can also check your balance and change your Direct Debits on the move with our SMS text message service.

Finally, if you want a real person to help you check your balance or change something, just call one of our Money Managers.

What happens if something changes with my finances?

You can use our simple online account management service to set up a new Direct Debit, change existing payments and more. Or if you want to use our SMS service, you can request changes to your account with a simple text message.

Alternatively, you can call our Money Managers to tell them what has changed, and they'll make sure your account is set up to take care of it.

What does the thinkmoney Personal Account cost?

The account costs £14.50 per month (£21.25 for joint accounts) - but that's all you'll ever pay. You'll never be charged for missing a payment or going overdrawn.