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The thinkmoney credit card | Find out more

 * How it works
   
    * Open an account
   
    * Help with budgeting
   
    * thinkmoney app
   
    * Debit card
   
    * Account features
   
    * No credit checks
   
    * Bad credit current account
   
    * Refused by other banks
   
    * Basic bank accounts

 * What we offer
   
    * Current account
   
    * thinkmoney credit card
   
    * Loans
   
    * Secured loans
   
    * Free credit score

 * About us
   
    * Get to know us
   
    * Supporting our customers

 * Help & Support
   
    * Search
   
    * Opening an account
   
    * thinkmoney app
   
    * My account
   
    * Payments and withdrawals
   
    * Card and PIN

 * Money advice
   
    * Cost of living
   
    * thinkmoney blog
   
    * Banking guides
   
    * Budget your money
   
    * Protect your money
   
    * Going cashless
   
    * Currency converter

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NO-NONSENSE BANKING WITH THE THINKMONEY CURRENT ACCOUNT

 * No credit checks.

 * No jargon.

 * No unexpected fees, ever!

Easy banking for everyday people.

Open an account

All for just £10.95 a month.

thinkmoney is an E-Money Institution so your money is not protected by the
Financial Services Compensation Scheme (FSCS). It is protected through
safeguarding. Find out more.





BANKING WITH US IS SIMPLE. JUST THE WAY WE LIKE IT

NO CREDIT CHECKS

 * Open an account in minutes.

 * Guaranteed to be accepted.

 * You just need to be 18 or over and live in the UK.

SMART BUDGETING

 * Money for bills automatically set aside.

 * Helps pay bills on time, every time.

 * 3 out of 4 thinkmoney customers improved their credit rating.*

NO UNEXPECTED CHARGES, EVER!

 * We won't charge you for missed payments or going overdrawn.

 * No complicated fee structures.

 * No nasty surprises.



All this and more for just £10.95 per month.

Open an account



KEEPING YOUR MONEY SAFE

Feel like a VIP with a security entourage any A-lister would be proud of.

 * Face and fingerprint login.

 * Instant updates on your account activity.

 * Lock and unlock your card on the app.
   
   




OPEN A CURRENT ACCOUNT IN LESS THAN 4 MINUTES

DOWNLOAD THE THINKMONEY APP IN SECONDS

Pop the kettle on, get the app and you’ll be done before it’s boiled.

4 MINUTES, A SELFIE AND YOU'RE DONE

Take a snap of your ID, fill in a few details and you're on your way to better
banking.

YOUR CARD'S ON THE WAY

We'll send your free contactless Mastercard out to you straight away while you
explore our award-winning app.



It's never been easier to open a current account

Open an account




IT'S APP-ENING

 * Download the app in seconds.

 * Check your balance anytime, anywhere.

 * Send money on the go.

 * Real-time updates straight to your phone.

 * Security you can rely on to keep your money safe.

 * Smart budgeting: bills money and spending money are kept separate.

Open account





BANKING THAT MAKES A REAL DIFFERENCE TO EVERYDAY PEOPLE

BEEN DECLINED FOR A CURRENT ACCOUNT?

You can open one with us. And we could even help you boost your credit score.*

NOT GETTING THE SUPPORT YOU NEED FROM YOUR BANK?

Our customers are at the heart of everything we do. ❤️

NO TIME TO DO YOUR BUDGETING?

Who has? That's what we do, so you can spend more time doing the things you
love.



Let's create a better financial future; together.

Open an account



SMART BUDGETING IS A LIFESAVER

Banking, budgeting and managing your money can be stressful. That’s why we’ve
created Smart budgeting.

Every thinkmoney Current Account comes with our unique Smart budgeting tool, to
help them manage their money quickly and easily.




SMART BUDGETING EXPLAINED IN A FEW SIMPLE STEPS

HOW DOES IT WORK?

When money comes into your account (wage, benefit, pension etc.) we
automatically set aside enough money to cover your bills.

HOW DO YOU KNOW HOW MUCH MY BILLS ARE?

You tell us in the app. It takes a few seconds then we take care of the
rest. You’re welcome 😉

DO YOU PAY MY BILLS?

Yep. Any Direct Debits and Standing Orders will be paid on time, every time.

WHAT IF I HAVE A FEW DIFFERENT INCOMES?

Smart budgeting works for anyone. It doesn’t matter if you're paid monthly,
weekly, fortnightly or a mixture.

WHAT IF I HAVE AN EMERGENCY AND NEED TO GET TO MY BILLS MONEY?

The app can save the day. It’s your money, and we get that things don’t always
go to plan. That’s also why we’ll never charge you for missing a payment or
going overdrawn. Ever!

IT DOES ALL THAT? WOW. CAN IT DO THE SCHOOL RUN FOR ME TOO?

Errm, no. But it can get rid of your money worries. So you have that extra
calmness to help deal with those stressful moments 😊





A LITTLE BLUE CARD OF AWESOMENESS

Ok, maybe we’re biased, but we know you’ll love your thinkmoney card! With Smart
budgeting covering your back and your bills, the money on your card is yours to
spend (guilt-free!). And with the Mastercard symbol, you can use your card
pretty much anywhere. Did we mention it’s contactless? See, told you you’ll love
it.





DON'T JUST TAKE OUR WORD FOR IT !

I'VE ONLY JUST BECOME A CUSTOMER

I've only just become a customer and so far it has been amazing. Love the fact
that my bills money is automatically put to one side and I have the peace of
mind that my bills will always be covered.

FRIENDLY, STRAIGHTFORWARD, HELPFUL

Friendly, straightforward, helpful and a real breath of fresh air! A pleasure to
deal with, I would highly recommend thinkmoney.

REALLY GOOD SERVICE

Really good service for those with low credit or those who just find it hard to
get a current account - no complaints on my end as I managed to set up an
account quickly.

EASY BANKING!

Just set up my think money account, so far they have been absolutely amazing!
The whole switch process has been a breeze and every person I have spoken with
over the phone has been extremely helpful! I couldn't recommend enough!






*Based on a sample of customers who held an account for 12 months and previously
had limited credit history or substantial credit use.


Open an account

Products

Current account

Credit card

Loans

Useful Info

Help & support

thinkmoney blog

Banking guides

Currency converter

About

About thinkmoney

Charity

Careers

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 * Legal Information

 * FCA Information

 * Privacy Policy

 * T&Cs

 * Cookie settings

 * Accessibility

 * Complaints procedure


Cookies settings


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website secure and improve your experience, as well as for marketing and
analytics. This may include personalised ads and content. You can read more or
update your preferences by clicking 'cookie settings'.

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COOKIES PREFERENCE CENTRE

When you visit a website, cookies allow the website to store information from
your internet browser. The information might be about you, your preferences or
the device you’re using. This is mostly used to help the site work better (e.g.
changing the website’s layout if you’re using a mobile or tablet). Your personal
information can’t be seen by the people who run the website, but it does mean
that you’ll have a smoother experience. For example, if you’ve typed in your
address before and you had cookies enabled, your internet browser will remember
it the next time you need to add it to a form. Because we respect your right to
privacy, you can choose not to allow some types of cookies. Click on the
different category headings to find out more and change the default settings.
However, blocking some types of cookies may impact your experience of the site
and the services we are able to offer.
More information
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or alert you about these cookies, but some parts of the site will not then work.
These cookies do not store any personally identifiable information.

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device. If you do not allow these cookies, you will experience less targeted
advertising.

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