Security
What are the thinkmoney Current Account fees?
Can I apply for an account if I've got bad credit?
I need to send ID to open an account. What ID can I send?
How do I upload my ID?
What if I can't or don't want to upload my ID?
What if I don't have any of the documents you accept?
4 steps to set up your account
How to get your ID upload right
How to open an account via the app
Can I pay in cash and cheques at the Post Office?
How do I pay cheques into my account?
Where can I make a cash withdrawal in pounds in the UK?
What's a Faster Payment?
Making contactless payments
International payments: How do I receive money from outside the UK?
Can I use Apple Pay?
Why is my money held when a transaction has failed?
How long will it take for a refund to go back on my card?
How do I get emergency cash?
International payments: How do I send a payment to somebody overseas?
Transport for London contactless payments
About contactless cards
What is a One-Time Passcode?
What is Mastercard® Identity Check?
I don't recognise a transaction, what should I do?
Is my money protected?
How will PSD2 affect me?
How can I tell if an email is from you?
Contactless security
How can I use fingerprint and facial recognition to pay online?
What is thinkmoney secure connection?
Can I use cryptocurrency on my account?
Security (10)
What is a One-Time Passcode?
One-Time Passcodes (OTP) are used to confirm that it's really you making a payment. We send you a random set of numbers to enter on the webpage.
What is Mastercard® Identity Check?
Mastercard® Identity Check is an extra security step to help protect you against unauthorised use of your card when shopping online.
I don't recognise a transaction, what should I do?
If you see a transaction that you don't recognise, report it to us so we can investigate it and prevent further fraudulent use of your account.
Is my money protected?
Even though thinkmoney is not a bank, your money is protected as we are authorised and regulated by the Financial Conduct Authority.
How will PSD2 affect me?
The EU Payment Services Directive is being introduced in 2019. This allows you to share banking information with other providers and view accounts in one place.
How can I tell if an email is from you?
Emails from thinkmoney always include your first name, your account number with the last few digits starred out. We won't ask you for any security info.
Contactless security
Contactless is just as secure as any other way of paying for your shopping. Read more to find out what you can do to keep safe when using contactless.
How can I use fingerprint and facial recognition to pay online?
You can now verify online payments using fingerprint or facial recognition on your phone. This process uses what’s known as ‘biometrics’.