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Credit when you need it

  • 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.

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 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.

We’ve built our account to work around you

  • Control your account online, 24/7

    Stay on top of your cash with our iPhone and Android app, or log into our Online Account Management.

  • Pay in at 11,000+ Post Offices®

    We’ve teamed up with the Post Office so you can pay in and withdraw at any branch.

  • Mastercard® Debit Card

    If you see the Mastercard® logo, you can use your thinkmoney prepaid Debit Mastercard®. And that’s anywhere in the world!

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.

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