Looking for a basic bank account?

Looking for more than a basic bank account?

With the thinkmoney Personal Account, we're offering you a practical alternative to a basic bank account with a high street bank.

Like a high street bank account, it gives you somewhere to get your income paid in, lets you set up Direct Debits and standing orders, and gives you easy access to your money at cash machines all over the world. And like most basic bank accounts, there's no credit check.

However, we're not a bank, so we're not permitted to invest your money or lend it out. Plus, the thinkmoney Personal Account is anything but 'basic', since it offers some innovative features you're not likely to find on the high street.

And everyone can apply. Even basic bank accounts can be off limits if you're an undischarged bankrupt - but we'd love to get you on board, whatever your credit rating.

Why choose a thinkmoney Personal Account?

Personal budgeting service from a real person
Don't you wish there was an easier way to budget? Well now there is. Every month, one of our Money Managers will assess your finances for you and put enough of your money aside for all the bills and other commitments you've told us about. That way, you know you can spend the rest without missing anything important.

No unexpected charges

We promise we won't charge for missed or rejected payments. All you'll pay is one monthly fee - nothing more.

It's £14.50 per month for a single account or £21.25 per month for a joint account.

Your own thinkmoney Debit MasterCard

With us, you'll get your own thinkmoney Debit MasterCard that can be used for all the things you'd expect - paying for things in most shops and restaurants, making cash withdrawals from cash machines and even shopping online.

Easy-to-use online account management

Our online account management service makes it easier to manage your finances. You can check your balance, set up Direct Debits or change existing arrangements, and transfer money to other accounts - all with a few clicks of the mouse. You can even manage your account by text (SMS) or over the phone.

thinkmoney Personal Account FAQs

Is the thinkmoney Personal Account a basic bank account?
No. We're not a bank. The biggest difference between us and a bank is that we're not permitted to lend your money out or invest it.

We will: look after your money; provide Direct Debit facilities; let you withdraw cash at cash machines; let you shop online; let you pay & get cashback in shops & restaurants; give you online and SMS account management services - and provide expert Money Managers to help you budget and get your bills paid on time, every time.

How many different ways can I manage my account?
You can manage your thinkmoney Personal Account by phone, by text (SMS) or online. We'll show you just how easy it is in the Welcome Pack you'll receive after you apply.

Do you provide a cheque book?
No, our account doesn't come with a cheque book. However, we've made it easy to make payments in other ways - with your thinkmoney Debit MasterCard, online, by Direct Debit or by standing order.

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