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Mastercard® Benefits

Extra fraud protection online

You'll have confidence and peace of mind when shopping online as your thinkmoney Prepaid Debit Mastercard is protected, for free, by the Mastercard SecureCode programme.

A simple way to pay

You can use your thinkmoney Prepaid Debit Mastercard in shops, restaurants and online.

Withdraw up to £450 per day

You can draw out up to £450 per day from any cash machine with the Mastercard Acceptance Mark.

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.

  • Up to £400 credit facility

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

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


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

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 whatโ€™s yours to spend.

  • Money Managers to help you budget

    Theyโ€™ll help you budget for your monthly bills and answer any questions you have. Oh, and theyโ€™re UK based.

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