How the account works

With thinkmoney, you get a lot more than just an account. You get a professional, personalised service, specially designed to help you make the most of your money and stay out of financial 'hot water'.

You actually get two accounts, a Salaries Account and a Card Account, which means you always know exactly where you stand: not just how much money you have, but how much of it you need to meet your financial commitments.

You also have access to thinkmoney's Money Managers - our very own friendly financial experts, there to manage your accounts, answer your questions and help you make sure your money goes where you need it most.

How does it work?

  • Your income is paid into your Salaries Account
  • A Money Manager sets aside the money you need to pay the regular commitments you've told us about
  • We transfer the remaining funds into your Card Account, which you access when you use your thinkmoney Prepaid Debit MasterCard® in shops, in restaurants, online, or at most cash machines worldwide - where you see the MasterCard Acceptance Mark

Why do I need two accounts?

What our two-account system delivers is peace of mind: if it's in your Card Account, you know it's safe to spend.

No matter what you spend, you'll be able to do so without worrying about using the money you need for rent/mortgage payments, utility bills, debt repayments, etc. That's because our Money Managers take care of all the essential costs you've told us about once your income has reached your Salaries Account.

How do I access my cash?

Your thinkmoney Prepaid Debit MasterCard brings you all the convenience of a debit card and the peace of mind of knowing you won't incur any default charges from us.

You can use it to get cashback, to pay in stores and restaurants, and to withdraw cash from most cash machines all over the world, where you see the MasterCard Acceptance Mark.

And there's no need to share it with your partner. Joint Personal Account holders get a second thinkmoney Prepaid Debit MasterCard.

How do I manage my money?

Managing your money with thinkmoney is simple - just give us a call and talk to one of our Money Managers. They're there to manage your finances for you, taking the stress out of making payments, making it all as hassle-free as possible.

If you prefer, you can use our online account management service. It's safe, it's secure and there's no additional fee for activating or using it (although your standard internet charges will apply).

If you're looking for information, you can text us anytime - day or night, 365 days a year - and we'll send you an up-to-the-minute update of what's in your account right now.

Or call our automated service for account information and details of the last 8 transactions on both your accounts.

Top of page

How the account works
  • We help you manage your bills
  • You know what you can safely spend
  • Manage your money anytime
  • Let our Money Managers budget for you

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..