Even if you have a CCJ, you can still apply for a thinkmoney Personal Account. It’s our smart alternative to basic bank accounts and comes with some eye-catching benefits.Apply Online
18 or over? UK resident? We’d love to hear from you and we'll never run a credit check
We’ll help you keep on top of your bills so nothing ‘bounces’
Speak to friendly and expert staff at our UK-based call centre
Some banks might turn you down if you have CCJs, bad credit or you’re going through bankruptcy. But to be approved for a thinkmoney Personal Account, you just need to be:
As soon as your thinkmoney Personal Account is up-and-running, you’ll be able to …
Every month, they’ll work with you to help balance your budget – putting money aside for all your bills and the other commitments you've told us about.
Then, they’ll transfer the rest of your money on to your thinkmoney Prepaid Debit MasterCard - all there for you to spend.
If you ever need some practical, day-to-day financial help they’re there at the other end of the phone for you too. So if you’ve struggled to keep on top of things before, they’re here to help you now.
UK-based call centres
We won't charge you for ATM withdrawals
No more unexpected bank charges
No more bounced Direct Debit or Standing Order fees
A thinkmoney Prepaid Debit MasterCard
Manage your account 24/7 by phone, text or online
Budgeting help from a Money Manager every month
Always speak to a real person who can help you with what you need
A simple monthly management fee of £17.50 or £24.50 for joint accounts
Based on Feefo.com reviews - 94% of customers who left a thinkmoney review recommend us with an average rating of 4.7 out of 5 from 10304 reviews left by thinkmoney customers (as of Feb, 2017)
*£24.50 a month for joint accounts
MONTHLY MANAGEMENT FEE PAYABLE. ONLY AVAILABLE TO UK RESIDENTS AGED 18 OR OVER FOR PERSONAL USE. PROOF OF IDENTITY WILL BE REQUIRED.
CALLS MAY BE RECORDED FOR TRAINING AND MONITORING. CALLS TO 0161 NUMBERS ARE TYPICALLY CHARGED UP TO 9P PER MINUTE FOR LANDLINES, PLUS ANY CALL SET-UP FEE, AND BETWEEN 3P AND 40P PER MINUTE FOR MOBILES. DATA CHARGES FROM YOUR MOBILE SERVICE PROVIDER MAY APPLY BUT YOU SHOULD CHECK WITH YOUR NETWORK PROVIDER FOR FULL DETAILS OF YOUR SERVICE.
Registered office: Think Park, Mosley Road, Trafford Park, Manchester M17 1FQ. Company registration No. 5530040. Registered in England and Wales. Four star accreditation from the Fairbanking Foundation for the thinkmoney Personal Account.Calls may be recorded for training and monitoring. Calls to 0161 numbers are typically charged up to 9p per minute for landlines, plus any call set-up fee, and between 3p and 40p per minute for mobiles. But you should check with your network provider for full details of your service.
Think Money Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, register reference 900033, for the issuing of electronic money and the provision of payment services. Think Money Limited is authorised and regulated by the Financial Conduct Authority for its consumer credit and insurance and mortgage mediation activities (Firm Ref No 685963 register.fca.org.uk/)
The thinkmoney Prepaid Debit MasterCard® is issued by R. Raphael and Sons plc, pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. R. Raphael & Sons plc is a UK bank authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (registration number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Ave, London W1D 7ED, company registration number 01288938.