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1. Information about how to Open a Current Account

Account opening information:

To open any of our accounts, a new customer will need to provide us with the documents and information set out here. We may request additional information or documents in individual cases.

You can open an account:
Without visiting a branch Yes
Where a visit to a branch is required, without an appointment No
By sending us documents and information electronically Yes
By post No

How and when you can contact us to ask about the following things:

  24 hour help? Telephone Telephone banking Internet banking Mobile banking

Contact details

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Existing customers: 0161 779 5000

New customers: 0161 672 8910

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Checking the balance and transactions

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

Sending money within the UK, including setting up a standing order

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

(Setting up a standing order is not possible through mobile banking)

Sending money outside the UK

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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Paying in a cheque

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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Cancelling a cheque

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Cash withdrawal in a foreign currency outside the UK

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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A lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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A direct debit, or allowing someone to collect one or more payments from your account using your debit card number

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

Third party access to an account, for example under a power of attorney

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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Problems using internet banking or mobile banking

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

Reporting a suspected fraudulent incident or transaction

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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Progress following an account suspension or card cancellation, e.g. following a fraud incident

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

Account opening: including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available

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Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000

New customers: 0161 672 8910

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Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account.

How and when you can use your bank account to do the following things:

  Telephone Telephone banking Internet banking Mobile banking

Checking the balance and transactions

 

Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000
check balance - option 1
check transactions - option 2

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

Sending money within the UK, including setting up a standing order

 

Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000
check balance - option 1
check transactions - option 2

New customers: 0161 672 8910

https://my.thinkmoney.co.uk/onlinebanking/Login.aspx

Android and apple users only

Apple App Store

Google Play Store

(Setting up a standing order is not possible through mobile banking)

Sending money outside the UK

 

Opening hours:

Mon to Thurs: 8am to 8pm
Friday: 8am to 6:30pm
Saturday: 8am to 4:30pm

Bank holiday times may vary

Existing customers: 0161 779 5000
check balance - option 1
check transactions - option 2

New customers: 0161 672 8910

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Paying in a cheque

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Cancelling a cheque

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Note: this is a list of common actions. It does not represent the full list of actions you can take in relation to your account.

We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services.

In the 3 months between 1 October 2019 and 31 December 2019
Total number of incidents reported 1
Incidents affecting telephone banking 0
Incidents affecting mobile banking 0
Incidents affecting internet banking 0

Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data.

We are not required to publish a summary of our complaints data for the most recent six month period.

The Financial Ombudsman Service publishes its complaints data every six months. Its most recent publication does not contain any data relating to us.

Go to here to find out how you can open an account and what information and documents you need to give us to open an account.

How quickly do we open personal current accounts?

We give customers an account number and enable them to start paying into the account:

  • the same day, for 0% of customers;
  • on average, in 4 days; and
  • within 6 days for 99% of customers.

These figures are based on the time taken from us receiving all the information and documents we ask for here, in a case where we donโ€™t need any further information or documents to open the account.

How quickly do we give customers a debit card?

Once an account is open, we give customers a debit card:

  • the same day, for 0% of customers;
  • on average, in 4 days; and
  • within 6 days for 99% of customers.

How quickly do customers get internet banking?

Once an account is open, customers have internet banking:

  • the same day, for 0% of customers;
  • on average, in 4 days; and
  • within 6 days for 99% of customers.
Replacing a debit card

How quickly do we replace debit cards which have been lost, stolen or stopped?

We replace debit cards:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 5 days for 99% of customers.
Availability Statistics
Date thinkmoney Secure Connect thinkmoney App Online Banking

Uptime (%)

Downtime (%)

Uptime (%)

Downtime (%)

Uptime (%)

Downtime (%)

01/10/2019 100.0 0.0 100.0 0.0 100.0 0.0
02/10/2019 100.0 0.0 100.0 0.0 100.0 0.0
03/10/2019 100.0 0.0 100.0 0.0 100.0 0.0
04/10/2019 100.0 0.0 100.0 0.0 100.0 0.0
05/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
06/10/2019 93.7 6.3 100.0 0.0 100.0 0.0
07/10/2019 99.3 0.7 100.0 0.0 100.0 0.0
08/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
09/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
10/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
11/10/2019 98.6 1.4 100.0 0.0 100.0 0.0
12/10/2019 99.9 0.1 95.8 4.2 95.8 4.2
13/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
14/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
15/10/2019 97.9 2.1 100.0 0.0 100.0 0.0
16/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
17/10/2019 100.0 0.0 100.0 0.0 100.0 0.0
18/10/2019 99.9 0.1 79.2 20.8 78.5 21.5
19/10/2019 99.9 0.1 99.7 0.3 100.0 0.0
20/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
21/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
22/10/2019 100.0 0.0 99.6 0.4 100.0 0.0
23/10/2019 99.9 0.1 99.7 0.3 99.3 0.7
24/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
25/10/2019 99.9 0.1 100.0 0.0 99.7 0.3
26/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
27/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
28/10/2019 99.9 0.1 100.0 0.0 99.7 0.3
29/10/2019 99.9 0.1 100.0 0.0 100.0 0.0
30/10/2019 100.0 0.0 100.0 0.0 98.3 1.7
31/10/2019 99.9 0.1 99.7 0.3 99.3 0.7
01/11/2019 99.9 0.1 96.2 3.8 87.9 12.1
02/11/2019 99.8 0.2 99.6 0.4 100.0 0.0
03/11/2019 99.1 0.9 96.5 3.5 96.9 3.1
04/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
05/11/2019 99.9 0.1 97.9 2.1 97.9 2.1
06/11/2019 99.9 0.1 99.7 0.3 100.0 0.0
07/11/2019 99.9 0.1 98.6 1.4 98.7 1.3
08/11/2019 99.9 0.1 87.5 12.5 87.5 12.5
09/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
10/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
11/11/2019 99.1 0.9 100.0 0.0 100.0 0.0
12/11/2019 100.0 0.0 100.0 0.0 100.0 0.0
13/11/2019 99.8 0.2 100.0 0.0 100.0 0.0
14/11/2019 99.7 0.3 99.7 0.3 100.0 0.0
15/11/2019 99.9 0.1 83.3 16.7 100.0 0.0
16/11/2019 99.9 0.1 99.7 0.3 99.7 0.3
17/11/2019 93.4 6.6 83.3 16.7 83.3 16.7
18/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
19/11/2019 99.9 0.1 99.6 0.4 100.0 0.0
20/11/2019 99.8 0.2 98.9 1.1 100.0 0.0
21/11/2019 99.6 0.4 100.0 0.0 100.0 0.0
22/11/2019 99.7 0.3 78.5 21.5 78.8 21.2
23/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
24/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
25/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
26/11/2019 99.8 0.2 100.0 0.0 100.0 0.0
27/11/2019 99.9 0.1 99.7 0.3 100.0 0.0
28/11/2019 99.9 0.1 100.0 0.0 100.0 0.0
29/11/2019 99.9 0.1 98.3 1.7 95.1 4.9
30/11/2019 99.8 0.2 100.0 0.0 100.0 0.0
01/12/2019 99.9 0.1 100.0 0.0 100.0 0.0
02/12/2019 99.9 0.1 99.6 0.4 98.6 1.4
03/12/2019 99.9 0.1 100.0 0.0 100.0 0.0
04/12/2019 99.8 0.2 99.3 0.7 100.0 0.0
05/12/2019 99.8 0.2 99.6 0.4 99.7 0.3
06/12/2019 99.8 0.2 79.2 20.8 79.2 20.8
07/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
08/12/2019 99.8 0.2 99.3 0.7 100.0 0.0
09/12/2019 99.9 0.1 100.0 0.0 100.0 0.0
10/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
11/12/2019 99.9 0.1 99.7 0.3 99.7 0.3
12/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
13/12/2019 99.8 0.2 99.6 0.4 100.0 0.0
14/12/2019 99.7 0.3 99.7 0.3 99.3 0.7
15/12/2019 99.8 0.2 91.3 8.7 91.3 8.7
16/12/2019 99.7 0.3 100.0 0.0 100.0 0.0
17/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
18/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
19/12/2019 99.7 0.3 100.0 0.0 99.0 1.0
20/12/2019 99.2 0.8 97.6 2.4 91.5 8.5
21/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
22/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
23/12/2019 99.6 0.4 99.6 0.4 99.7 0.3
24/12/2019 99.7 0.3 98.9 1.1 99.7 0.3
25/12/2019 99.9 0.1 99.6 0.4 99.7 0.3
26/12/2019 99.9 0.1 99.0 1.0 99.7 0.3
27/12/2019 99.8 0.2 87.2 12.8 87.2 12.8
28/12/2019 99.8 0.2 100.0 0.0 99.7 0.3
29/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
30/12/2019 99.8 0.2 100.0 0.0 100.0 0.0
31/12/2019 99.8 0.2 98.3 1.7 100.0 0.0

Performance Statistics
thinkmoney App Online Banking thinkmoney Secure Connect

Response (millisecs)

Response (millisecs)

AISP response time (millisecs)

PISP response time (millisecs)

CBPII/PISP Yes/No response time (millisecs)

Error Response Rate

391 468 0 0 0 0
422 406 0 0 0 0
406 422 0 0 0 0
390 422 0 0 0 0
359 375 0 0 0 0
359 375 0 0 0 0
406 469 0 0 0 0
375 406 0 0 0 0
375 391 0 0 0 0
375 391 0 0 0 0
390 406 0 0 0 0
359 376 0 0 0 0
375 393 0 0 0 0
375 415 0 0 0 0
391 468 0 0 0 0
390 406 0 0 0 0
390 422 0 0 0 0
390 422 0 0 0 0
359 375 0 0 0 0
359 375 0 0 0 0
406 469 0 0 0 0
375 406 0 0 0 0
375 391 0 0 0 0
375 391 0 0 0 0
455 640 0 0 0 0
373 391 0 0 0 0
375 391 0 0 0 0
437 469 0 0 0 0
391 406 0 0 0 0
422 526 0 0 0 0
406 469 0 0 0 0
484 985 0 0 0 0
373 391 0 0 0 0
375 391 0 0 0 0
390 407 0 0 0 0
391 422 0 0 0 0
375 391 0 0 0 0
390 407 0 0 0 0
405 438 0 0 0 0
375 391 0 0 0 0
360 375 0 0 0 0
375 406 0 0 0 0
360 390 0 0 0 0
375 391 0 0 0 0
375 391 0 0 0 0
375 407 0 0 0 0
375 406 0 0 0 0
361 379 0 0 0 0
391 407 0 0 0 0
391 422 0 0 0 0
422 422 0 0 0 0
437 469 0 0 0 0
422 454 0 0 0 0
391 421 0 0 0 0
391 406 0 0 0 0
407 453 0 0 0 0
406 437 0 0 0 0
407 438 0 0 0 0
406 437 0 0 0 0
516 734 0 0 0 0
391 422 0 0 0 0
407 438 0 0 0 0
422 454 0 0 0 0
410 438 0 0 0 0
422 453 0 0 0 0
406 438 0 0 0 0
406 438 0 0 0 0
375 391 0 0 0 0
375 391 0 0 0 0
391 421 0 0 0 0
391 422 0 0 0 0
391 421 0 0 0 0
421 454 0 0 0 0
424 469 0 0 0 0
391 422 0 0 0 0
375 391 0 0 0 0
421 439 0 0 0 0
391 422 0 0 0 0
406 422 0 0 0 0
406 437 0 0 0 0
484 469 0 0 0 0
406 437 0 0 0 0
390 407 0 0 0 0
407 453 0 0 0 0
422 484 0 0 0 0
390 406 0 0 0 0
375 391 0 0 0 0
422 469 0 0 0 0
375 391 0 0 0 0
406 423 0 0 0 0
421 468 0 0 0 0
407 453 0 0 0 0

Legal Information

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