Got a CCJ? Struggling to find a good bank account?

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
All for a flat monthly fee of £17.50*

No credit check

18 or over? UK resident? We’d love to hear from you and we'll never run a credit check

No overdraft fees or unexpected charges

We’ll help you keep on top of your bills so nothing ‘bounces’

UK-based call centre

Speak to friendly and expert staff at our UK-based call centre

"I can only ever spend money that is spare - bills are always paid and I don't have to worry about anything."

CCJs? Relax –we don’t credit check your application

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:

  • - 18 or over
  • - A UK resident
  • - A full, current UK passport- or driving licence-holder

What else do you get with a thinkmoney Personal Account?

As soon as your thinkmoney Personal Account is up-and-running, you’ll be able to …

  • Go online to quickly, easily and securely check your balance, set up Direct Debits and standing orders and move money around
  • Manage your account by text or by calling us too
  • Know all your salary, benefits, pensions etc are being paid into a safe place where you – and your money – is looked after
  • Use your thinkmoney Prepaid Debit MasterCard® - for high street shopping, online shopping, getting cashback and making ATM cash withdrawals. Just look for the MasterCard Acceptance Mark.

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 Personal Account could really help you manage your finances.

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.

All this and more, for one flat monthly fee.

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 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)

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*£24.50 a month for joint accounts

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