thinkmoney Online Account Management:


thinkmoney Online Account Management:


The thinkmoney Personal Account puts you in control

1. Your income

Your wages, benefits and tax credits are paid into your thinkmoney account.

2. Your bills

We set aside the money you need to cover your regular bills and commitments, so you won't miss anything important.

3. Your cash

You'll know exactly what's yours to spend. Access to your cash is easy with your thinkmoney Prepaid Debit MasterCard®.

How we can help you

Real help with your money

Our Money Managers help you to budget and plan ahead.

No unexpected charges

No fees for missed or late payments - just one simple monthly fee to run your account.

Peace of mind

Our service means you'll know exactly where you are with your money.

92% 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."

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Quick and easy to apply

Apply for your thinkmoney, managed account

  • No unexpected charges for missed or late payments
  • Manage your account 24/7 with our online service
  • Keep up-to-date by SMS or over the phone

Offering much more than you think

Credit Card

Know if you'll be accepted before you apply.

Find out more


Get cover for your home, life or gadgets.

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Check out the latest mortgage deals from leading lenders.

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Travel money

We'll help you get a good deal on your holiday money.

Find out more

92% 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.

How is the thinkmoney account different from other current accounts?

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.

Is the thinkmoney Personal Account like a basic bank account?

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.

Is it easy to switch from my existing bank account?

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.

Can I apply if I've struggled to get a current account elsewhere?

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.

Is the thinkmoney account available if I have a bad credit rating?

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.

I've been made bankrupt in the past. Can I apply?

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.