Could you pay less for your account?

  • No more unexpected charges or unpleasant surprises.
  • Just one fixed monthly fee.
  • Real help with your finances.

If you've been hit with bank charges for missed or rejected payments, you may want an account where you know upfront how much you will pay every month, with no unpleasant surprises - and help steering clear of charges from your creditors.

Of course, an account with no charges at all would be ideal, but all account providers need to cover their costs.

If you'd like to avoid unexpected charges and know exactly what you're paying for your account, the thinkmoney Personal Account might be right for you.

Here at thinkmoney we charge a fixed amount every month. Whatever happens, you'll pay just £14.50 a month for a single account or £21.25 a month for a joint Personal Account.

It's good news for two reasons:

You'll know exactly what to expect.

  • You'll know exactly how much you'll pay in account fees with us each month. This makes budgeting a lot easier.

You could pay less.

Of course, this depends on whether your account fees normally cost you more or less than our fees (on average). Don't forget:

  • Some accounts may charge penalty fees for rejected payment.
  • Your creditors can usually impose their own charges if you make payments late or forget them - but we can help you avoid this happening.

What does your fee go towards?

Your monthly fee pays for a whole range of services, including all the one-to-one support you need - our Money Managers will work with you to make sure your money goes where it's needed most.

So how do we achieve this?

  • Step 1 Your income comes into your Salaries Account.
  • Step 2 A Money Manager sets aside the money you need for the regular commitments you've told us about.
  • Step 3 We transfer the remaining funds into your Card Account. You know that any money in here is disposable cash.

As long as you keep us informed (and as long as there's enough money going in!), you won't be charged for missed or rejected payments, as we'll make sure they're all covered.

Similarly, with us, you can't be charged for going overdrawn. We are not a bank and don't provide an overdraft facility - and thanks to our dedicated Money Managers, you shouldn't need one!

No more unexpected bank charges

Here at thinkmoney, we are committed to providing an excellent service for our customers.

We take that extra step 'behind the scenes' - offering you a practical alternative to the high street banks.

No-one wants to be stung by charges, and that's why thinkmoney won't charge you any unexpected account fees. You'll pay just £14.50 per month for a single account (a joint Personal Account costs £21.25 per month), and no matter how much advice our Money Managers give you, you won't pay a penny more.

So, if you've been hit with unexpected account fees in the past, and want to know exactly what you will pay, apply for a thinkmoney Personal Account today.

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No unexpected charges
  • No more unexpected fees for missed or
    rejected payments
  • Just real help with your finances
  • So you know exactly where you stand

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.