Skip to main content

An account with access to credit

Current Account Plus

Up to £400 credit facility

Upgrade to Managed Current Account Plus and get access to a credit facility up to £400.

Once you've opened a thinkmoney account, you can apply to borrow money from us 3 months after you've paid your first income into your account.

1077.4% APR Representative.

Flexi Loan

Flexi Loan from £300 to £1,500

Borrow for 6 to 12 months and repay in monthly instalments.

Once you've opened a thinkmoney account, you can apply to borrow money from us as soon as you've paid your first income into your account. This could be your salary or pension.

140% APR Representative.

Think Money Limited and Ideal Finance Limited are both part of Think Money Group. When you apply to take out the loan, we thinkmoney are the credit broker, Ideal Finance Limited is the lender, and they pay us for our service.

Our account helps you to stay in control

  • Help boost your credit rating

    Our account helps you to never miss a bill, which could improve your credit rating. A better credit rating means better deals if you borrow money in the future.

  • No unexpected fees or charges

    We won't charge you to withdraw or for bounced Direct Debits. So you won't get any nasty surprises from us.

  • Control your day-to-day spending

    We set aside the money you need for your bills, and the rest goes on your debit card, so you know exactly what’s yours to spend.

  • Money Managers to help you budget

    They’ll help you budget for your monthly bills and answer any questions you have. Oh, and they’re UK based.

We’ve built our account to work around you

  • Control your account online, 24/7

    Stay on top of your cash with our iPhone and Android app, or log into our Online Account Management.

  • Pay in at 11,000+ Post Offices®

    We’ve teamed up with the Post Office so you can pay in and withdraw at any branch.

  • Mastercard® Debit Card

    If you see the Mastercard® logo, you can use your thinkmoney prepaid Debit Mastercard®. And that’s anywhere in the world!

  • Contactless payments

    Make payments with just a tap! Paying for everyday things is quick and easy with your thinkmoney contactless card.

    Take a look at how contactless payments work

Open your account

We don’t run credit checks. You can apply if you’ve bad credit, a CCJ or you’re going through bankruptcy.

  • No unexpected fees or charges.
  • Budgeting help from our Money Managers.
  • Manage your account 24/7 by phone, text or online.
  • Spend what you can afford with a thinkmoney prepaid Debit Mastercard.

To get started, you need to be:

  • aged 18 or over
  • a UK resident

What you'll pay each month

Single account £17.50 per month

Joint account £24.50 per month


We've been awarded 4 stars by the Fairbanking Foundation.

You can get a thinkmoney Managed Current Account if you’re over 18 and a UK resident – it’s as simple as that. It doesn’t matter if you’ve had bad credit in the past or you have no credit history as we don’t carry out a credit check when you apply for your account. All we need to do is verify that you are who you say you are and you can open an account online.

You can apply for the credit facility three months after you’ve paid your first income into your thinkmoney Managed Current Account. This means you could access a credit facility up to £400. We’ll need to carry out some affordability checks and then you’ll be able to apply for and access the credit facility through Online Account Management, subject to eligibility.

The money you hold in your thinkmoney Current Account is not protected under the Financial Services Compensation Scheme (FSCS). As thinkmoney is authorised and regulated by the FCA as an e-Money Institution, your money is protected and, unlike the FSCS, this protection is not limited to a certain amount. This means that your money is held separately and securely and, if something were to happen to thinkmoney, you would always receive it back.

For more information on how we will use your personal information when you have an account with us, you can read our 'How we use your personal information' leaflet. For more detailed information you can also read our Privacy Policy.

Legal Information