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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.

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