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An account with access to credit

You can apply for credit 3 months after you pay your first income into your account.

  • Personal Loans from £500 to £1,200

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

    140% APR Representative.

  • Up to £400 credit facility

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

    1077.4% APR Representative.

    You can also find our loans on www.choosewisely.co.uk

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!

Open your account

Our account costs £17.50 a month or £24.50 a month for joint accounts.

  • No hidden fees or unexpected charges
  • No charge from us at UK ATMs
  • Apply for credit 3 months after your first income is paid in

To get started, you need to be:

  • aged 18 or over
  • a UK resident

Fairbanking

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

Am I eligible for an account?

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.

How do I apply for credit?

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.

Terms and conditions

We offer a paper based account switching service. Find out more about it here.

Legal Information

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