35.9% APR Representative (variable)Find out more Think Money Ltd (Credit Broker). Capital One is the exclusive lender.
Your wages, benefits and tax credits are paid into your thinkmoney account.
We set aside the money you need to cover your regular bills and commitments, so you won't miss anything important.
You'll know exactly what's yours to spend. Access to your cash is easy with your thinkmoney Prepaid Debit MasterCard®.
Our Money Managers help you to budget and plan ahead.
No fees for missed or late payments - just one simple monthly fee to run your account.
Our service means you'll know exactly where you are with your money.
"I can only ever spend money that is spare - bills are always paid and I don't have to worry about anything."Read reviews
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94% of our customers are happy with our service.
The thinkmoney Personal Account "contains multiple features to help customers manage their money better - increasing the customer's control over their spending."
Year after year, we're in the top 100 Sunday Times' best companies to work for.
The thinkmoney Personal Account is not actually a current account, but it's very similar. Just like most current accounts, it'll give you somewhere to keep all your money, pay your bills and spend money in shops, restaurants and online. But our account also includes benefits you won't find with most current accounts - like our budgeting service that makes sure all your bills are paid on time.
The account offers many of the benefits of a basic bank account, plus a whole lot more. Basic bank accounts provide somewhere to keep your money, an easy way to pay bills and usually a debit card for spending money. Our account offers all that, plus our personalised budgeting service and one-to-one help from our Money Managers. Apply for our basic bank account alternative here.
Switching to thinkmoney is simple. If you have a bank account somewhere else, we'll tell you exactly what you need to do to switch all your existing bills, standing orders and Direct Debits. The whole process should only take a few weeks. Start switching here.
Yes. We've helped plenty of people who have been turned down for a current account with High Street banks and building societies. So even if you've struggled to get a bank account in the past, we could still help you. Apply for our current account alternative here.
Yes. There's no credit check when you apply for a thinkmoney Personal Account, so you could qualify even if you have bad credit. As long as you're a UK resident over the age of 18, there shouldn't be any problems. Apply for our bad credit bank account alternative here.
Yes you can. Many of our customers have been made bankrupt, or are getting some other kind of help with their debts. So even if your bankruptcy has made it difficult to find a bank account, you could still get an account with us.