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
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?
How do I send a payment to somebody overseas?
Transport for London contactless payments
About contactless cards
I've forgotten my login details, what can I do?
What can I use online banking and the app for?
How do I register for online banking and the app?
Why do I need a passcode on my device to download the thinkmoney app?
Get more from your account with the thinkmoney app
Making your life easier with text alerts
I don't recognise a transaction, what should I do?
If you don’t recognise a transaction, the safest thing to do is to lock your card through online banking or the thinkmoney app, which will make sure that if your account security has been compromised, no further transactions can take place.
A padlock will appear over your card to confirm that it’s locked. If you believe the transaction is fraudulent, you can cancel your card and order a new one using the app.
How to cancel your card:
- Go to the ‘card’ section
- Select ‘Lost or stolen cards’
- Confirm that you want to cancel your card
- We’ll get in touch to order your new card
If you don’t have access to the internet, call our automated telephone service and block your card on 0161 779 5000.
Block online banking and the app
You can also block your online banking and thinkmoney app too if an unauthorised transaction or payment has been made from your account (not your card). Just text BLOCK to 81122 or 07786 200 077.
How do we deal with fraudulent transactions?
If we spot a transaction which we think is fraudulent, we’ll text you to ask whether it’s you before allowing it to go ahead.
Reply with ‘Yes’ if you made the transaction, or ‘No’ if you didn’t. If you didn’t make the transaction, call us on 0161 779 5000 so we can investigate it.
Even if you don’t get a text, if you find a transaction which you didn’t authorise, call us so we can look in to it. We’ll also sort out your new card when you speak to us.
Company names you may not recognise
Sometimes company names can appear differently on your statement. For example, they could use their trading name instead. We’ve put together a list of the most common trading names, along with the services they provide so you can check.
What happens when I report an unauthorised transaction?
You’re not liable for any payments or transactions from your account that you do not authorise. If you dispute that a transaction was made by you, we’ll refund the value of the transaction to your account immediately unless we need to investigate it further.
If our investigations show that a disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence, we’ll not refund the transaction amount and we reserve the right the recover the value of the transaction from you.