A practical alternative to a basic bank account

If you're looking for a bank account, don't let a poor credit history stop you. But all too often, the people who need an account the most are the ones whose credit rating prevents them from getting one on the high street.

That's one reason the idea of basic bank accounts was introduced - to give everyone access to the services which play such an important role in modern life.

But they're not your only option. At thinkmoney, we can offer you an alternative account even if you've been turned down elsewhere - even if you're in the middle of bankruptcy.

We're not a bank. The main difference between us and banks is that we don't invest your money or lend it out. What we do is provide a practical alternative to a bank account - the thinkmoney Personal Account:

  • No credit checks
  • No unexpected fees
  • Anyone can apply
  • Easy opening process
  • Expert help - from our Money Managers

We don't need to carry out a credit check, so we can open your account as soon as you have returned your signed application form and we've confirmed your identity, even if you have a history of:

  • County Court Judgments (CCJs)
  • Bankruptcy
  • Mortgage / rent arrears
  • Poor credit rating

thinkmoney Personal Account features

But we offer a lot more than basic services. Our account features a thinkmoney Prepaid Debit MasterCard® that you can use wherever the MasterCard Acceptance Mark is displayed, whether you're withdrawing cash, getting cashback or paying for goods and services.

In fact, our account offers you all the features you'd expect from a basic bank account and more - including:

  • Direct Debits and standing orders
  • No fees for missed or rejected payments
  • Online account management
  • SMS account management

Our Money Managers - expert help on call

If you've ever been hit with bank charges, there's no doubt you'll appreciate having access to our Money Managers.

They'll help you manage your account so you should never miss a payment or need to go overdrawn again, giving you the peace of mind you deserve.

They're not 'just' there to organise Direct Debits & arrange standing orders, though.

They're there to help you get the most from our two-account system - making sure you don't accidentally spend the money you need for your essential bills (from mortgage/rent to utility bills, petrol money and food bills).

When you call, you can talk to one of our Money Managers - our in-house team of experts who'll really get to know you and your finances, so they can make sure you get all the benefits of our two-account system.

No more talking to people you aren't familiar with. No more jumping through hoops to get the answers you need. Just experienced, UK-based, Money Managers - real people who know your financial situation, and know how to help you make the most of your money.

And that means no charges from us for missed or rejected payments.

Don't let your past undermine your future

If you've had financial difficulties in the past, there's all the more reason to get some help today.

At thinkmoney, we don't give you an anonymous service that penalises you for your financial problems. We give you a personal service, so we can work with you to prevent those problems happening in the first place.

Our business is based on the relationships we build with you - our customers. Together, we can work towards a better financial future.

Even if you've been declared bankrupt or entered an IVA (Individual Voluntary Arrangement), we're here for you.

Apply for your thinkmoney Personal Account today - and join the thousands who are already enjoying the benefits.

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Looking for a basic bank account?
  • Try our alternative to a basic bank account
  • No credit check
  • Ideal for people with bad credit
  • Everyone can apply

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.

Calls may be recorded for training and quality purposes. Calls to 0800 numbers from BT landlines are usually free, but you should check with your network provider for full details of your service.

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.