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Pay in cash and cheques at the Post Office

No need to choose between convenient online services and a local branch. The thinkmoney current account gives you both.

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Open your account and get access to over 11,000 Post Offices to pay in money.

£10 monthly fee

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What can I do at the Post Office?

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Pay in cash

Take your debit card and cash to any branch of the Post Office. Hand your money to the cashier, enter your PIN, and the money will be in your account immediately.

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Pay in cheques

Ask the cashier for a thinkmoney paying in envelope. Write your name, your phone number, your account number and sort code on the envelope.

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Withdraw cash

Withdraw anything from a penny to £1000 a day. You’ll need to do two transactions if you want to take out more than £500 a day.

Why should I open an account?

Help with budgeting

Get your income paid into your account, we’ll hold money for your bills aside, then the rest is available to spend on your debit card.

No surprise fees

Budgeting is easier when you know exactly how much you pay each month. So, we charge one monthly fee and nothing extra for missed payments.

Build your credit score

73% of our customers improved their credit score by paying all their bills on time with help from their thinkmoney Current Account.*

£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

The Post Office is your local branch

As a thinkmoney Current Account holder, you can pay in cash and cheques at 11,500 Post Offices around the country. That's more branches than all the banks added together.

Put your postcode into the Post Office branch finder to find your nearest one.

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Help paying in cash and cheques

Can I post you cash and cheques?

You can pay in cheques by post too. Write your account number and sort code on the back of the cheque and post it to us at Think Money Ltd, PO BOX 255, Rotherham S98 1QR.

Read more >

How long does it take for cheques to clear?

Cheques take 4 working days to clear, starting from the working day after you pay it in. Once the cheque appears on your account it will clear by 23.59 the following day.

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I haven’t got access to my card. Can I still pay money in?

If you lose your card, it gets stolen or it’s damaged, you can request a barcode to pay in cash. The money will clear in your account a day later.

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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