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Our customers shape everything we do

Listening is part of the way we do things here. Good or bad, your feedback influences every decision we make, and helps us make our products better for everyone. And it’s always nice to know when we get it right:

Simple banking

"Easy to get an account but you have to pay a monthly fee. The credit facility is good and the service is friendly. Also contact less is great. Secure online use and text services."

Takes pressure off managing your money

"Great for ensuring bills and direct debts are paid on time. Always know what you have to spend week to week."

Very helpful and friendly service

"Very helpful and friendly service answered all my questions and help set up my account and only took 20 minutes. Would definitely recommend thinkmoney to anybody."

Don't keep those great ideas to yourself

The thinkmoney Current Account is designed around you, so if you've got somthing to tell us, we want to hear it.

Your feedback inspires us to deliver the best possible service and to keep improving your banking experience. We really couldnt do it without you.

So go on, leave us a review.

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Open your account

Choose the stress free way to pay your bills on time. Open a thinkmoney Current Account and we’ll take care of everything for you.
  • Help with budgeting
  • No fees for bounced direct debits or unarranged overdrafts
  • Personal service from our UK-based team
  • Your credit score could go up

To get started, you need to be:

  • Aged 18 or over
  • A UK resident
What you'll pay each month
 Single Account
£10 per month


The thinkmoney Current Account was awarded 4 out of 5 stars by the Fairbanking Foundation because it has many features to help customers manage their money better

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