How do I activate my card?

You need to activate your card before you use it. To activate your thinkmoney debit card, either:

  • Log in to the thinkmoney app or online banking and follow the instructions
  • Text CARD followed by the last 4 digits of the long number on the front of your card to 81122 or 07786 200 077
  • Or call our automated phone service on 0161 779 5000 and follow the instructions. We'll include instructions and everything else you need to know in the accompanying letter
  • To activate your thinkmoney credit card, visit or download the Capital One mobile app.
  • To activate your credit card by phone, call us on 0800 952 5315. We’re open 7.30am-9pm Monday to Friday and 8.30am-5pm Saturday.

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