thinkmoney Online Account Management:


thinkmoney Online Account Management:


NEW thinkmoney Credit Card

Know if you'll be accepted
before you apply

Know if you’ll be accepted before you apply with QuickCheck

Check Now
  • > Get up to - £1,500 credit
  • > QuickCheck won't affect your credit rating
  • > Get a quick response in 60 seconds
Check now
Mobile App Manage your account on your smartphone or online, anytime
Contactless Pay for up to £30 worth of items quickly and securely
Free text alerts So you can stay in control of your money
35.9% APR Representative (variable)

How does QuickCheck work?

We do a pre-check of your application with the credit reference agencies. You’ll be able to see this on your credit file, but no one else will.

  • > It won’t have an impact on your credit rating
  • > Get a ‘Yes’ or a ‘No’ before you apply
  • > Get a response in 60 seconds
Check Now

Is it right for you?

If you’re looking for a simple, straightforward credit card, with a manageable credit limit, thinkmoney could help.

You’re more likely to be accepted for the thinkmoney Credit Card if you are:

  • Over 18 and on the electoral roll
  • Able to show some history of managing credit

Top features

  • >One interest rate for all transactions
  • >It could help rebuild your credit score if you meet your monthly repayments and stay within your credit limit. Not doing so could harm your credit rating
  • >Manage your account online and on your smartphone
  • >Add up to three additional cardholders – you can then keep track of their spending. Remember, you’re responsible for all transactions on the account
Check Now

92% of thinkmoney customers are happy with our service

See what they have to say...

Very pleased with the service given and very helpful

I get excellent customer service from thinkmoney and would recommend them to my friends and colleagues any time.

Very pleased throughout my dealings with yourselves and I would not go anywhere else

All the service I would expect from a high street bank, only better.

Independent customer reviews powered by

Based on reviews - 92% of customers who left a thinkmoney review recommend us with an average rating of 4.6 out of 5 from 10252 reviews left by thinkmoney customers (as of Feb, 2017)

Common Questions

Can I apply for the thinkmoney Credit Card?

If you’re over 18 and are a UK resident (including Northern Ireland), yes, you can apply.

Can I apply if I have a bad credit rating?

You may still be accepted for a thinkmoney Credit Card if your credit rating isn’t perfect - even if you have CCJs or defaults. Use QuickCheck to see if you’ll be accepted before you apply – it won’t affect your credit rating.

I’ve been declined for credit in the past, does this mean I won’t be accepted?

Not necessarily, no. We’ll make a decision based on all the information you and the credit reference agencies give us. Even if you have a bad credit history, you may still be eligible for the thinkmoney Credit Card. Use our QuickCheck to see if you’ll be accepted before you apply.

What’s the credit limit?

The thinkmoney Credit Card comes with an easy to manage credit limit, from £200 to £1,500.

What information do I need when I apply?

We’ll ask for your personal details, including your addresses for the last 2 years. We’ll also ask your employment status and the time you’ve been with your bank.