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Apply online to open your current account

Traditional banks not right for you? Open a thinkmoney Current Account and say hello to helpful banking.

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Make paying your bills on time a breeze

You’ve got more important things to be doing than crunching numbers and creating budget spreadsheets. So we made an account that helps do it for you. Choose the effortless way to manage your money.

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Pay in your income

Get your wages, benefits or pension paid directly into your account.


Money for bills is kept aside

Money for your regular payments is held separately to make sure they’re paid on time.


The rest is yours to spend

Any money you don’t need for bills is available to spend on your debit card.

£10 monthly fee

It’s a simple formula, but since 2001 it’s helped thousands of people pay their bills on time, avoid late payment charges and improve their credit score.

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A new way to manage your money


Save on bank charges

No fees if we’re refusing a payment due to lack of funds (such as if a Direct Debit bounces).


Bank when it suits you

Check where you’re up to anytime, anywhere with our app and online banking.


Improve your credit score

We’ll help you pay your bills on time, which could boost your credit score.

Everything you need to take care of your finances

As well as getting help to never miss a bill, you get these essentials when you bank with us:

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    No credit checks
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    No minimum monthly pay in
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    Access to the app and online banking
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    A contactless debit card
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    Pay in cash and cheques at the Post Office
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    Compare loans from our panel of lenders, without affecting your credit score

£10 monthly fee

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Interested? Here’s how to apply:

You can join us if you’re over 18 and you live in the UK for 6 months of the year. And that's all we need!


Fill in the form

It should only take a few minutes to complete, and there aren’t any tricky questions.


Upload your ID

If we need to see your ID, we’ll let you know when you’ve finished the form.


Welcome to thinkmoney!

Once we’ve checked everything, we’ll post your card and it’ll arrive in a few days.

A new range of loan options to suit you

Here at thinkmoney, we always want to know what we can do to help make managing your money that bit easier.

We want to offer our customers products to suit every pocket, no matter what your financial picture looks like.

That's why we've launched a range of loan options in the app, so you can choose the one that's the perfect fit for you.

Whatever you need a loan for, we'll help you to feel in control every step of the way.

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Get set up in no time

Bills are a part of life, but stressing about them shouldn’t be. Change the way you think about banking with features that make managing your finances simple and hassle-free.

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    Help to pay your bills on time
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    Round-the-clock banking with the app
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    Say goodbye to unexpected bank charges…
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    …And hello to an improved credit score!

To get started you need to be:

  • aged 18 or over
  • a UK resident for at least 6 months of the year

£10 monthly fee

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More Information

You can get a thinkmoney Current Account if you’re over 18 and a UK resident – it’s as simple as that. It doesn’t matter if you’ve had bad credit in the past or you have no credit history as we don’t carry out a credit check when you apply for your account. All we need to do is verify that you are who you say you are and you can open an account online.

The Financial Conduct Authority requires us to publish information about our personal current accounts. For more information about this click here.

These documents inform you about the fees for using the main services linked to the payment account. It will help you to compare these fees with those of other accounts. Fees may also apply for using services linked to the account which are not listed here. Full information is available in our terms and conditions. A glossary of the terms used in this document is available free of charge.

For information about the thinkmoney Current Account click here.

For information about the thinkmoney Current Account Plus click here.

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information

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.

Yes, once you open your account you can add another person to it to make a joint account. Joint accounts cost £15 per month.

Think Money Limited has partnered with (UK) to provide and support a dedicated interface for Third Party Providers offering AISP, PISP and CBPII services.

TokenOS is the operating system for open banking that allows banks, merchants, enterprises and individuals to interact in a global marketplace of financial services.

If you are a Third Party Provider offering AISP, PISP and CBPII services, please use the link below to access the Integration Guide for information on how to register as a member to access information or make payment requests using the Think Money dedicated interface.

Token TPP Interface Website

Please read this leaflet for more information about your rights when making payments in Europe. Contact us if you need a large print or braille version.

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.

Accounts opened after 7th November 2018

Accounts opened before 7th November 2018

Accounts opened after 1st February 2020

From the 1st April 2020 the below Terms and Conditions will come into effect for all customers:

Legal Information