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Why open a joint account?

A joint bank account can make sense if you share money with your partner, flatmate or friend. Consider a joint thinkmoney Managed Current Account if you need help managing your money.

  • No credit checks when you apply

    We won't turn you down if you have bad credit, a CCJ, or you're going through bankruptcy.

  • Budget smarter

    Easier to manage your household bills as you don't have to work out who’s paid what.

  • Stay in control 24/7

    You’ll both be able to keep in control of your money online or by using our app.

What you’ll get with your joint Managed Current Account

  • Money Managers to help you budget

    They’ll help you budget for your monthly bills and answer any questions you have. Oh, and they’re UK based.

  • Control your day-to-day spending

    We set aside the money you need for your bills, and the rest goes on your debit cards, so you know exactly what’s yours to spend.

  • No unexpected fees or charges

    We won't charge you to withdraw or for bounced Direct Debits. You’ll just pay one monthly management fee of £24.50.

Open your account

Our joint account costs £24.50 a month

  • Control your account online using our iPhone and Android app, or log into our Online Account Management.
  • Pay in and withdraw at 11,000+ Post Offices®.
  • No charge from us at UK ATMs.
  • Use your thinkmoney prepaid Debit Mastercard® wherever you see the Mastercard® logo.

To get started, you need to be:

  • aged 18 or over
  • a UK resident


We've been awarded 4 stars by the Fairbanking Foundation.

Important information about our terms and conditions

Our terms and conditions will be changing from 25th May 2018 onwards. The main changes are explained in the Notice of Variation below.

The new terms and conditions cover both the thinkmoney Managed Current Account and the thinkmoney Managed Current Account Plus. Any conditions which only apply to the thinkmoney Managed Current Account Plus are listed in the 'additional conditions' section of the new terms and conditions. The new terms and conditions are listed in full below.

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