How do I block a fraudulent transaction?

If we spot a transaction that we suspect is fraudulent, we’ll text you to ask whether it’s you making the transaction before allowing it to go ahead.

You can simply reply with ‘Yes’ or ‘No’. If the payment or transaction is not recognised, reply ‘No’ and contact us immediately.

Block your card

If you think a fraudulent transaction is being made on your account, you should block your card immediately using Online Account Management. Here’s how you can do this.

  • Log into Online Account Management and select the ‘Services’ tab.
  • Then select ‘Lost or stolen card’ and fill in the details we ask for.
  • Select ‘Submit’ and we’ll block your card.

If you don’t have access to the internet, you can call our automated telephone service and block your card on 0161 779 5000.

Block Online Account Management

You should also block your Online Account Management and the thinkmoney app if you think there is a fraudulent transaction on your account. Just text BLOCK to 81122 or 07786 200 077.

Call us

Then you’ll need to call us immediately and let us know about the unauthorised transaction so we can investigate further for you. We can also order a new card to be sent to you.

You’re not liable for any payments or transactions from your thinkmoney Current Account that you do not authorise. If you dispute that a transaction was initiated by you, thinkmoney will refund the value of the transaction to your Current Account immediately unless further investigation is required.

If thinkmoney’s investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence, thinkmoney will not refund the transaction amount and reserves the right the recover the value of the transaction it may have refunded from you.

Legal Information