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Credit when you need it

You can apply for credit 3 months after you pay your first income into your account.

  • Personal Loans from £500 to £1,200

    Borrow for 6 to 12 months and repay in monthly instalments.

  • Up to £300 credit facility

    Upgrade to Personal Account Plus and get access to a credit facility up to £300.

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.

Terms and conditions (that’s the small print)

Current Terms & Conditions:

From 31st March 2017 our Terms & Conditions will be changing. The notice of variation below sets out the main changes:

You can see the new Terms & Conditions that will apply from 31st March 2017 here:

Legal Information