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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. Even if you've been rejected elsewhere.

  • 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.

Our account helps you to stay in control

  • Help boost your credit rating

    Our account helps you to never miss a bill, which could improve your credit rating. A better credit rating means better deals if you borrow money in the future.

  • Control your day-to-day spending

    We set aside the money you need for your bills, and the rest goes on your debit card, so you know exactly whatโ€™s yours to spend.

  • Money Managers to help you budget

    Theyโ€™ll help you budget for your monthly bills and answer any questions you have. Oh, and theyโ€™re UK based.

An account with access to credit

You can apply for credit 3 months after you pay your first income into your account.

  • Personal Loans from £500 to £1,200

    Borrow for 6 to 12 months and repay in monthly instalments.

    140% APR Representative.

  • Up to £400 credit facility

    Upgrade to Managed Current Account Plus and get access to a credit facility up to £400.

    1077.4% APR Representative.

    You can also find our loans on www.choosewisely.co.uk

Think Money Limited and Ideal Finance Limited are both part of Think Money Group. When you apply to take out the loan, we thinkmoney are the credit broker, Ideal Finance Limited is the lender, and they pay us for our service.

Open your account

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

  • Control your account online with our Apple and Android app
  • No hidden fees or unexpected charges
  • No charge from us at UK ATMs
  • Apply for credit 3 months after your first income is paid in

To get started, you need to be:

  • aged 18 or over
  • a UK resident

Fairbanking

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

We offer a paper based account switching service. Find out more about it here.

Legal Information

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