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Bank with us if you've been refused a bank account

If you’re over 18 and you live in the UK for at least 6 months a year you can bank with us. Even if you’ve had a bank account application declined before.

We don't care about your credit history

73% of customers improved their credit score banking with us*

Get your bills sorted every month

£10 monthly fee

*Based on a sample of customers who held an account for 12 months and previously had limited credit history or substantial credit use.

Less sinking feeling in your stomach. More fist bumps.

You know the feeling of relief when all your bills get paid? We can help with that.

The thinkmoney Current Account splits your money into what you need for bills and what’s left to spend.

That way, the important stuff is covered every month and you’ve got one less thing to worry about.


You pay in your income


We keep money for your bills aside


The rest is yours to spend

And since paying bills on time makes you look reliable and trustworthy, your credit score could go up. So you’re less likely to get declined the next time you apply for something.

As well as help to sort out your finances, you get:

  • Banking when it suits you, wherever you are with the thinkmoney app
  • A contactless debit card
  • No extra fees for late payments
  • 11,000+ Post Offices to pay in cash and cheques

£10 monthly fee

Why have I had problems opening a bank account?

Each account provider has a set of criteria they use to assess your application. If you’ve had a bank account application declined, one of these things could be responsible:

Your credit history

You can’t get a bank account with some providers if you’ve missed payments or you’ve had debt in the past. At thinkmoney you can open an account whatever your credit history.

Your income

Look out for accounts which have a ‘minimum monthly pay in’. If your monthly income is less than that amount, you could be refused a bank account.

Your ID

Problems opening a bank account can pop up when you get asked for ID. So before you apply for an account, check that you’ve got the right ID and it’s in date.

Lets solve your problems and open a bank account

Right now you’re thinking ‘Great, I know why I got refused a bank account, but I can’t fix my credit history overnight’. Which is true, but you can get an account to help you.

  • No credit checks when you open an account
  • Stress-free budgeting (no maths skills needed)
  • Rebuild your credit rating

£10 monthly fee

Your current account in your pocket

Don't be in the dark about your money. Download the thinkmoney app for iOS and Android and take your current account with you wherever you go.

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