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Use it on the high street and online

Your thinkmoney Prepaid Debit Mastercard is accepted wherever you see the Mastercard Acceptance Mark.

UK-based call centres

Speak to friendly and expert staff at our UK based call centre about your prepaid cards with us.

PIN by text

Your new PIN can be sent to your mobile within minutes to get you up and running

So how does a Prepaid Debit Mastercard work?

In exactly the same way as a ‘normal’ debit card, but with one major difference – the card is not linked to your bank account.

The money available on your prepaid debit card is just that: prepaid. Once the money for your bills has been put aside, the rest of your money will be automatically moved to your prepaid cash card.

Now all you need to do is decide how to spend it.

It’s as simple as that!

No unexpected charges

If you’re looking for the best prepaid debit cards, you’ve come to the right place.

Here’s why:

The money that you have to spend is loaded onto your thinkmoney Prepaid Debit Mastercard.

Use your prepaid debit card to buy things in stores or online – just look for the Mastercard Acceptance Mark.

You don't need to worry about bank charges adding up, as there are no fees for us refusing a payment due to lack of funds.

All this and more, for one flat monthly fee.

  • UK-based call centres
  • Always speak to a real person who can help you with what you need
  • Budgeting help from a Money Manager every month
  • We won't charge you when you make a cash withdrawal in pounds in the UK.
  • No more unexpected bank charges
  • No fees if we are refusing a payment due to lack of funds.
  • A thinkmoney Prepaid Debit Mastercard
  • Manage your account 24/7 by phone, text or online
  • A simple monthly management fee of £10 or £15 for joint accounts

You can get a thinkmoney 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.

The Financial Conduct Authority requires us to publish information about our personal current accounts. For more information about this click here.

These documents inform you about the fees for using the main services linked to the payment account. It will help you to compare these fees with those of other accounts. Fees may also apply for using services linked to the account which are not listed here. Full information is available in our terms and conditions. A glossary of the terms used in this document is available free of charge.

For information about accounts opened before 7th November click here.

For information about accounts opened after 7th November click here.

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information

You can apply for the credit facility three months after you’ve paid your first income into your thinkmoney 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.

The money you hold in your thinkmoney Current Account is not protected under the Financial Services Compensation Scheme (FSCS). As thinkmoney is authorised and regulated by the FCA as an e-Money Institution, your money is protected and, unlike the FSCS, this protection is not limited to a certain amount. This means that your money is held separately and securely and, if something were to happen to thinkmoney, you would always receive it back.

Yes, there is an option in the online form to open a joint account. Joint accounts cost £15 per month.

Think Money Limited has partnered with (UK) to provide and support a dedicated interface for Third Party Providers offering AISP, PISP and CBPII services.

TokenOS is the operating system for open banking that allows banks, merchants, enterprises and individuals to interact in a global marketplace of financial services.

If you are a Third Party Provider offering AISP, PISP and CBPII services, please use the link below to access the Integration Guide for information on how to register as a member to access information or make payment requests using the Think Money dedicated interface.

Token TPP Interface Website

For more information on how we will use your personal information when you have an account with us, you can read our 'How we use your personal information' leaflet. For more detailed information you can also read our Privacy Policy.

Accounts opened after 7th November 2018

Accounts opened before 7th November 2018

Legal Information