Skip to main content

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

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.

Control your account online

  • iPhone and Android app

    Stay in control of your money 24/7 from our mobile app. It's fast, easy and secure - and you can use it wherever you go.

  • Online Account Management

    You can check your balances and transactions through Online Account Management. Plus, make fast payments.

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.

  • No unexpected fees or charges

    We won't charge you to withdraw or for bounced Direct Debits. So you won't get any nasty surprises from us.

  • 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.

Open your account

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

  • 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.

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.

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.

Legal Information