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)
- 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.