"How does a joint bank account work if one of us has bad credit?"

Some banks may turn down both of you because one has a less-than-perfect credit history. And that’s when the joint thinkmoney Current Account could be such a smart alternative….

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All for a flat monthly fee of £24.50*

UK-based call centre

Speak to friendly and expert staff at our UK-based call centre

No overdraft fees or unexpected charges

Our team of Money Managers will help you budget too

Easy online account management

Manage your account online, by phone, by SMS

"I can only ever spend money that is spare - bills are always paid and I don't have to worry about anything."

No credit check – just a quick application

We’re ready to sort out your application for a joint thinkmoney Current Account right now. Anyone can apply regardless of your credit history.
You need to be:

  • - 18 or over
  • - A UK resident
  • - A full, current UK passport- or driving licence-holder

Look forward to...

  • A safe, reliable home for your salary or benefit to be paid in to
  • Benefits you’d expect from a basic account – like Direct Debit and standing order set-up
  • Your thinkmoney Prepaid Debit Mastercard® - for high street shopping, online shopping and ATM cash withdrawals, wherever you see Mastercard Acceptance Mark
  • Check your balance, set up Direct Debits and move money around online, by text or by calling us.

Plus expert money help

If one or both of you has debt problems at the moment - or had financial troubles in the past – you may struggle to be offered a joint bank account.

Bankruptcy has a particularly severe effect on your credit rating: and if you're an undischarged bankrupt (i.e. still going through the bankruptcy process), you could find it especially hard.

But as well as looking at your application fairly – and with no credit check – we’ll also introduce you to our Money Manager team… and you could find their help really useful.

Every month, they’ll help balance your budget – putting money aside for all your bills and the other commitments you've told us about.

They’re ready at the end of the phone to sort out any problems and offer practical, day-to-day financial help too.

The Money Manager team is just part of the whole thinkmoney service – which, for a joint account, costs £24.50 a month.

All this and more, for one flat monthly fee.

UK-based call centres

We won't charge you for ATM withdrawals

No more unexpected bank charges

No more bounced Direct Debit or Standing Order fees

A thinkmoney Prepaid Debit Mastercard

Manage your account 24/7 by phone, text or online

Budgeting help from a Money Manager every month

Always speak to a real person who can help you with what you need

A simple monthly management fee of £17.50 or £24.50 for joint accounts

Based on Feefo.com reviews - 94% of customers who left a thinkmoney review recommend us with an average rating of 4.7 out of 5 from 11242 reviews left by thinkmoney customers (as of Feb, 2017)

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*£17.50 a month for single accounts

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