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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 what’s yours to spend.
Money Managers to help you budget
They’ll help you budget for your monthly bills and answer any questions you have. Oh, and they’re UK based.
An account with access to credit
Flexi Loan from £300 to £1,500
Borrow for 6 to 12 months and repay in monthly instalments.
Once you've opened a thinkmoney account, you can apply to borrow money from us as soon as you've paid your first income into your account. This could be your salary or pension.
140% APR Representative.
Up to £400 credit facility
Upgrade to Managed Current Account Plus and get access to a credit facility up to £400.
Once you've opened a thinkmoney account, you can apply to borrow money from us 3 months after you’ve paid your first income into your account.
1077.4% APR Representative.
You can also find our loans on www.choosewisely.co.uk
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
We've been awarded 4 stars by the Fairbanking Foundation.
Terms and conditions
Important information about our terms and conditions
Our terms and conditions will be changing from 25th May 2018 onwards. The main changes are explained in the Notice of Variation below.
The new terms and conditions cover both the thinkmoney Managed Current Account and the thinkmoney Managed Current Account Plus. Any conditions which only apply to the thinkmoney Managed Current Account Plus are listed in the 'additional conditions' section of the new terms and conditions. The new terms and conditions are listed in full below.