The account that works for you

The thinkmoney Personal Account is no ordinary account. In fact, we're not a bank, so we don't use customers' money to invest in the markets or lend to other people. What we do is provide a Personal Account with a wide range of benefits, many of which aren't available through current accounts.

Personal budgeting service with expert Money Managers

Do you find it hard to keep to a budget, or would you simply like to take the hassle out of managing your money? Look no further. With a thinkmoney Personal Account, our expert Money Managers will look after your finances on your behalf to help you make sure your essential costs are covered. They're also there to answer any questions you may have about your money.

At the start of each month, your money will be placed into two separate accounts: one for bills and other essentials you've told us about, and one for spending. This way, you should never fall short before payday and end up missing essential payments.

Your own debit card

Your thinkmoney Prepaid Debit MasterCard allows you to spend money in shops, restaurants, online and lots of places where the MasterCard Acceptance Mark is displayed. No need to go to the cashpoint every time you want to spend - so your money is safer and easier to access.

No unexpected charges

With a Personal Account from thinkmoney, you'll never have to worry about unexpected charges for missed or rejected payments. Unlike most regular accounts, your thinkmoney Prepaid Debit MasterCard will only allow you to spend the money you have in your account. Once you've set up your thinkmoney Personal Account, all you'll pay each month is a single fee of £14.50 for a single account or £21.25 for a joint Personal Account.

Manage your account by phone, by text or online

We've made it easy to manage your thinkmoney Personal Account just about anywhere.

  • By phone - if you have any questions or requests regarding your thinkmoney Personal Account, all you have to do is call 0800 195 2912. Many people prefer to talk to a real person when they're dealing with money - and your Money Manager will be happy to help.
  • Online - with thinkmoney, you can check your account balance, set up or change Direct Debits and transfer money to other accounts, all from the comfort of your home.
  • By text - you can even manage your account by SMS. A simple text message allows you to check your balance, get details of recent transactions or make changes to Direct Debit arrangements.

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Account features
  • Personal budgeting service
  • SMS / online account management
  • thinkmoney Prepaid Debit MasterCard®
  • No credit checks

Apply for your account today

Answer a few simple questions to get your thinkmoney Personal Account application started.

Choose your account

Tell us your details

Your privacy is important to us. All correspondence is held in the strictest confidence.

Monthly management fee payable. Only available to UK residents aged 18 or over for personal use. Proof of identity will be required. The thinkmoney Personal Account is an account held with a leading high street bank but managed and provided by Think Money Limited. Telephone calls may be recorded for training and monitoring purposes. Calls to 0800 numbers from BT landlines are usually free. Calls from other networks may vary, check with your network provider for full details of your service. Using SMS and online account management services will incur no additional charge. Your service provider's normal rates still apply.

Think Money Limited © 2014 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.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd ("WDCS") pursuant to licence by MasterCard International Inc. WDCS is authorised and regulated by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).

Think Money Limited. Registered Office: Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. Co Reg No. 5530040. Registered in England and Wales.

All About Money Limited © 2014. Registered Office: Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. Co Reg No. 4926097. Registered in England and Wales. Authorised and regulated by the Financial Conduct Authority in respect of consumer-credit related activities and is an appointed representative of Think Insure Limited, FCA registration number 310071, and Think Loans and Mortgages Limited, FCA registration number 310069, both of which are authorised and regulated by the Financial Conduct Authority in respect of their insurance mediation and regulated mortgage activities. www.fsa.gov.uk/register/home.do. Regulated by the Claims Management Regulator in respect of regulated claims management activities.