0161 672 8910

Worried bad credit will stop you getting a bank account?

The thinkmoney Personal Account is here for you – even if you've been rejected elsewhere. And it can help you make sure your bills get paid on time!


No credit check

We’ll say ‘yes’ to people with bad credit, CCJs - even people going through bankruptcy

No overdraft fees or unexpected charges

Plus budgeting help from our expert Money Manager team

thinkmoney Prepaid Debit MasterCard®

Use it on the High Street, online and withdraw cash at ATMs where you see the MasterCard Acceptance Mark

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

Don’t worry about bad credit – we don’t credit check you

The thinkmoney Personal Account is an account open to everyone, regardless of your credit history.

You just need to be:

  • - 18 or over
  • - A UK resident
  • - A full, current UK passport- or driving licence-holder

Just because you have bad credit doesn’t mean you can’t qualify for a great account

When your thinkmoney Personal Account is open, you’ll be able to …

  • Check your balance, set up Direct Debits and move money around online
  • Manage your account by text or by calling us too
  • Have your salary or benefits paid into a safe, secure home
  • Use your thinkmoney Prepaid Debit MasterCard - for high street shopping, online shopping and ATM cash withdrawals, wherever you see MasterCard Acceptance Mark

PLUS expert money help

Our Money Manager team offers a real added-extra, over-and-above basic bank accounts. They ensure you have enough funds to cover your bills. If you're already struggling with your money, a thinkmoney Personal Account could really help you manage your finances.

Every month, they’ll work with you to help balance your budget – putting money aside for all your bills and the other commitments you've told us about.

Then, they’ll transfer the rest of your money on to your thinkmoney Prepaid Debit MasterCard - all there for you to spend.

If you ever need some practical, day-to-day financial help they’re there at the other end of the phone for you too. So if you’ve struggled to keep on top of things before, they’re here to help you now.

All this and more, for one flat monthly fee.

UK-based call centres

We won't charge you for ATM withdrawals

No more unexpected bank charges

No more bounced Direct Debit or Standing Order fees

A thinkmoney Prepaid Debit MasterCard

Manage your account 24/7 by phone, text or online

Budgeting help from a Money Manager every month

Always speak to a real person who can help you with what you need

A simple monthly management fee of £17.50 a month*

Feefo Star Rating

Our rating 4.7/5
based on 10220 reviews

Working out our score

Our score is based on reviews collected via Feefo, the independent customer research specialist.

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