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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.

We take the hassle out of switching

The Current Account Switch Service makes switching to us easy, simple and stress-free.

  • Take your payments with you

    No need to update your details for each of your payments. We’ll move all your regular incoming and outgoing payments to your new account for you and close your old account.

  • Payment made to your old account? No worries

    We’ll transfer your balance and redirect payments made to your old account to your new account for at least 36 months.

  • Any problems? We’ll cover the costs

    Under the Current Account Switch Guarantee, we’ll refund any interest and charges if something goes wrong with your switch.

Find out more about switching your account

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.

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information

The money you hold in your thinkmoney Current Account is not protected under the Financial Services Compensation Scheme (FSCS). As thinkmoney is authorised and regulated by the FCA as an e-Money Institution, your money is protected and, unlike the FSCS, this protection is not limited to a certain amount. This means that your money is held separately and securely and, if something were to happen to thinkmoney, you would always receive it back.

For more information on how we will use your personal information when you have an account with us, you can read our 'How we use your personal information' leaflet. For more detailed information you can also read our Privacy Policy.

Your terms and conditions are changing

On 1st August the name of the account is changing, and from 1st October other changes to your terms and conditions will take effect.

The name of the account will change from Managed Current Account to Current Account on 1st August.

On 1st October, your terms and conditions will change in line with new regulations for bank accounts with fees.

Legal Information