Open an account with us, even if you have a CCJ

Download our app to start. £10 monthly fee

Open an account with us, even if you have a CCJ

Download our app to start. £10 monthly fee

Don’t worry if you have bad credit

Is your credit score stopping you from getting a bank account? We’re not interested in your credit history, so you could open a current account with us even if you’ve been turned away elsewhere.

A County Court Judgement won’t stop you

We think everyone should be able to get a bank account, so you won’t be turned down if you have a CCJ, bad credit or you’re going through bankruptcy.

No credit checks

We don’t run credit checks. As long as you’re over 18 and you live in the UK, you can open a thinkmoney account.

Boost your credit rating

Paying your bills on time looks great on your credit report, so we’ve created an account that helps you do that. Over time, you should see your credit score get back on track.

No unexpected fees

We won’t charge you to take cash out, or if we’re refusing a payment due to lack of funds.

Download our app to start. £10 monthly fee

We take the hassle out of switching

For a simple and stress-free switch to thinkmoney, use the Current Account Switch Service.

Take your payments with you

You don’t have to update your details for each of your payments. We’ll move your regular income and payments to your new account and close your old account for you.

Payments made to your old account? No worries

We’ll transfer your balance and redirect any payments you receive to your thinkmoney account for at least 36 months.

Any problems? We’ll cover the costs

Under the Current Account Switch Guarantee, we’ll refund any interest and charges if something goes wrong with your move to thinkmoney.

How can we help you to build your credit rating?

Having a CCJ can be daunting, but it’s far from the end of the world. If you’re having trouble opening a traditional bank account because of your financial history, we’re here to help.

With a thinkmoney Current Account you don’t have to worry about credit checks, because we don’t do any! You can bank with us no matter what your finances look like, even if you have a County Court Judgement.

And if your credit score isn’t the best after being given a CCJ, we can help you get back on track. Money for your bills and repayments are held separately to make sure they’re paid on time, which could improve your credit rating.

There’s no unexpected charges from us either, so you’ll always know what’s coming up in your budget.

Want to see where you’re up to? You can use the app to keep an eye on things. All your payment dates are in one place, with a real-time view of your balance and transaction details.

A current account built around you

  • Know what’s yours to spend after we set aside the money for bills.
  • Get your credit rating back on track by never missing a bill.
  • No fees if we refuse a payment due to lack of funds.
  • Use the app to check your balance and send money in seconds.

Download our app to start. £10 monthly fee

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