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Looking for a budgeting account? Your search ends here!

It’s not always easy to find the time or the energy to sit down and go through your finances. And it’s not much fun, so take the stress away from sorting your budget with a thinkmoney Current Account.

£10 monthly fee

Switchguarantee Logo Fairbanking Logo boy signging documents

Too much month at the end of your money?

Working out how to budget money and looking at a jumble of numbers is enough to give anyone a headache!

You might be looking for a budgeting current account or a money budgeting app to give you a hand, but look no further. You can get all the budgeting help you need with a thinkmoney Current Account.

Open an account with us, fill in your income info, set up your regular payments, and voila! The money you’ll need for important bills gets tucked away, so you know you can pay them when they’re due.

£10 monthly fee

Budgeting doesn’t need to be the bane of your life

bills and card

With a thinkmoney Current Account, it’s easy as pie. Your account is split into two parts: a bills account and a debit card for spending.

phone and card

Use the app to keep us up to date with your income and bills, and the account will separate your money so you don’t have to.

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Because the money for your payments is already put to one side, you know anything that’s on your debit card is all yours.

We’ve got your back, no matter what life throws at you

Not sure how to budget your money? Whether you earn £20 or £20,000, you’ll get the budgeting help to suit your pocket.

If you’ve been on a bit of a financial rollercoaster over the years, don’t worry. No judgement here! You can still be accepted, even if you’ve got bad credit.

We don’t do credit checks, so as long as you can tick these boxes then we’re happy as Larry:

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    You're 18 or over
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    You live in the UK for at least 6 months of the year

Having a thinkmoney Current Account not only gives you a hand with how to budget money, it can work wonders for your credit score. 73% of current account customers improved their credit score in the last year.*

£10 monthly fee

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*Based on a sample of customers who held an account for 12 months and previously had limited credit history or substantial credit use

And that’s not all!


We’ve got an app

Packed full of features to help you find the best way to budget money. See how much money you’ll have in your account up to 3 months in advance, and get real-time balance updates when you spend.


No extra fees for missed bills

You should be the boss of your budget, so you won’t be charged a penny if we are refusing a payment due to lack of funds. That’s more money in your pocket!


Getting started is a doddle

The form will only take you a couple of minutes to fill in and we’ll post your contactless card right away. You’ll need your ID to hand, so double-check here to make sure it’s okay to use.

£10 monthly fee

Budgeting in 30 seconds

No need for a spreadsheet. See how simple budgeting can be, leaving you with more time to spend on the important things in life.

Your current account in your pocket

Don't be in the dark about your money. Download the thinkmoney app for iOS and Android and take your current account with you wherever you go.

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