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Looking for a no credit check bank account?

You don’t need to worry about a credit check with our personal account, a practical alternative to a no credit check bank account.

  • All credit histories welcome
  • Even if you're an undischarged bankrupt
  • We could help you improve your credit rating

We can help you make sure you live within your means, put an end to late payment fees and unexpected charges - and get real help with your finances, from real people. All for just £14.50 per month (£21.25 for joint accounts).

So if you're looking for an account with no credit check, you've come to the right place. You just need to be a UK resident aged 18 or over.

Why open a no credit check bank account?

Unfortunately, having a bad credit history can make it harder to access certain financial products - including a bank account.

If you're in that situation, take a look at the thinkmoney Personal Account.

You may have already gone looking for a 'no credit check bank account', which means you won't need a good history to get your application approved.

But that's not your only option. The thinkmoney Personal Account is a practical alternative to a no credit check bank account (also called a 'basic bank account'). It gives you a place to get your income paid into, along with vital services like Direct Debits, standing orders and access to cash machines.

It's not a problem if you've got bad credit... and it's not a problem if you've had applications for bank accounts turned down in the past. That doesn't matter to us. What matters to us is that you receive an outstanding and truly personalised service - something we're experienced in providing.

So if you're looking for an account with no credit check, you've come to the right place.

All it costs is £14.50 a month (£21.25 for joint accounts) to run the account. There are no unexpected charges for missed or rejected payments, so you'll know exactly how much you're paying each month.

An account with no credit check

The thinkmoney Personal Account isn't a bank account. We're not a bank. We pride ourselves on being different, striving to put ourselves ahead of the other accounts out there.

And even though it's an account with no credit checks, that doesn't mean the features you receive will be 'basic'.

What do I get with the thinkmoney Personal Account?

Our account isn't like other accounts. We offer you with a truly personalised service - one that we're extremely proud of.

Our revolutionary two-account system gives you something most accounts can't provide: peace of mind.

The money you earn/receive each month will be paid into your 'Salaries Account'. From there, our Money Managers will make sure funds from your account are put aside for all the regular financial commitments you've told us about, then transfer the remaining amount into your 'Card Account'.

This gives you the peace of mind that comes from knowing the money in your Card account is there to spend on whatever you want, whenever you want. Enjoy all the freedom and security the thinkmoney Prepaid Debit MasterCard® offers - and a two-account system designed to make sure you don't accidentally spend what you haven't got.

Our Money Managers don't just cover your monthly commitments, though; they're also there to handle Direct Debits and standing orders. Plus, if you ever have any questions about your finances, they're on hand to provide the answers you're looking for.

With a thinkmoney Personal Account, you'll know exactly where you stand

Our account offers a lot more than access to our Money Managers. It also gives you access to online account management and a range of SMS services designed to help you stay on top of your money at all times.

What it doesn't come with is an overdraft - but with our team of dedicated Money Managers handling all your regular commitments for you, you shouldn't need one.

With our help, you can make sure you live within your means, put an end to late payment fees and unexpected charges - and get real help with your finances, from real people.

Don't let having a bad credit history get in your way anymore; apply for your thinkmoney Personal Account today.