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All the benefits of a basic bank account, plus:

  • No credit checks when you apply

    As long as we can verify that you are who you say you are, you can open an account. We’ll say ‘yes’ to people with bad credit, CCJs - even people going through bankruptcy.

  • No overdraft fees or unexpected charges

    We won’t charge you to withdraw cash or for bounced Direct Debits, so you won’t get any nasty surprises from us.

  • thinkmoney prepaid Debit Mastercard®

    Use it on the high-street, online and withdraw cash at ATMs where you see the Mastercard Acceptance Mark.

Don’t worry about bad credit – we don’t credit check you

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

  • Check your balance, set up Direct Debits and move money around online
  • Manage your account by text or by calling us
  • Have your salary or benefits paid directly into your account

To get started, you need to be:

  • aged 18 or over
  • a UK resident


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

PLUS expert money help

Our Money Manager team offers a real added-extra, over-and-above basic bank accounts. They ensure you have enough funds to cover your bills.

If you’re already struggling with your money, a thinkmoney Managed Current Account could really help you manage your finances.

Important information about our terms and conditions

Our terms and conditions will be changing from 25th May 2018 onwards. The main changes are explained in the Notice of Variation below.

The new terms and conditions cover both the thinkmoney Managed Current Account and the thinkmoney Managed Current Account Plus. Any conditions which only apply to the thinkmoney Managed Current Account Plus are listed in the 'additional conditions' section of the new terms and conditions. The new terms and conditions are listed in full below.

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