Some banks may turn down both of you because one has a less-than-perfect credit history. And that’s when the joint thinkmoney Personal Account could be such a smart alternative….Apply Online
Speak to friendly and expert staff at our UK-based call centre
Our team of Money Managers will help you budget too
Manage your account online, by phone, by SMS
We’re ready to sort out your application for a joint thinkmoney Personal Account right now. Anyone can apply regardless of your credit history.
You need to be:
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.
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 10310 reviews left by thinkmoney customers (as of Feb, 2017)
*£17.50 a month for single accounts
MONTHLY MANAGEMENT FEE PAYABLE. ONLY AVAILABLE TO UK RESIDENTS AGED 18 OR OVER FOR PERSONAL USE. PROOF OF IDENTITY WILL BE REQUIRED.
CALLS MAY BE RECORDED FOR TRAINING AND MONITORING. CALLS TO 0161 NUMBERS ARE TYPICALLY CHARGED UP TO 9P PER MINUTE FOR LANDLINES, PLUS ANY CALL SET-UP FEE, AND BETWEEN 3P AND 40P PER MINUTE FOR MOBILES. DATA CHARGES FROM YOUR MOBILE SERVICE PROVIDER MAY APPLY BUT YOU SHOULD CHECK WITH YOUR NETWORK PROVIDER FOR FULL DETAILS OF YOUR SERVICE.
Registered office: Think Park, Mosley Road, Trafford Park, Manchester M17 1FQ. Company registration No. 5530040. Registered in England and Wales. Four star accreditation from the Fairbanking Foundation for the thinkmoney Personal Account.Calls may be recorded for training and monitoring. Calls to 0161 numbers are typically charged up to 9p per minute for landlines, plus any call set-up fee, and between 3p and 40p per minute for mobiles. But you should check with your network provider for full details of your service.
Think Money Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, register reference 900033, for the issuing of electronic money and the provision of payment services. Think Money Limited is authorised and regulated by the Financial Conduct Authority for its consumer credit and insurance and mortgage mediation activities (Firm Ref No 685963 register.fca.org.uk/)
The thinkmoney Prepaid Debit MasterCard® is issued by R. Raphael and Sons plc, pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. R. Raphael & Sons plc is a UK bank authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (registration number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Ave, London W1D 7ED, company registration number 01288938.