Want a basic bank account?
Worried about the credit check?

Having some kind of account for your money is pretty much an essential part of life – even if your credit rating’s not great. So why not look at a different type of personal account?

The thinkmoney Personal Account.

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 - we'll never run a credit check

No overdraft fees or unexpected charges

We’ll help you budget and stay out of the red

Keep on top of everything 24/7

Manage your account online, by phone, by SMS

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


To apply for a thinkmoney Personal Account:

  • You must be a UK resident
  • You must be at least 18 years old
  • You must be able to prove your identity

That’s it.

You can even apply for a thinkmoney Personal Account if you’re in the middle of bankruptcy right now.

Apply Online

And once we say ‘yes’, you can look forward to…

  • A safe, reliable home for your salary or benefit to be paid in to
  • Benefits you’d expect from a basic account – like Direct Debit and standing order set-up
  • Your thinkmoney Prepaid Debit MasterCard® - for high street shopping, online shopping and ATM cash withdrawals, wherever you see MasterCard Acceptance Mark
  • Check your balance, set up Direct Debits and move money around online, by text or by calling us.

A current account alternative with no credit check

Unlike most current accounts on the High Street, we don't carry out a credit check.

So you can apply for our account if you have debt problems like a CCJ, an IVA - or even bankruptcy.

We just ask that you are aged 18 or over and resident in the UK to apply.

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 Feefo.com reviews - 94% of customers who left a thinkmoney review recommend us with an average rating of 4.7 out of 5 from 10310 reviews left by thinkmoney customers (as of Feb, 2017)

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*£24.50 a month for joint accounts

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