Think Money | Current Account

578 reviews

Monthly fee: £10.00

AER: 0%

Think Money | Current Account customer reviews.

578 reviews

3.9 out of 5 stars

Our review of Think Money | Current Account

Think Money is a lender based in Manchester who created the Think Money managed current accounts as well as offering loans. The account was created to help users manage their finances and over 10 years, has hit 100,000 account holders. 

Once you've opened an account, you can apply for a loan from £300 to £1,500 for 6 to 12 months. You can pay this back in monthly instalments and the people at Think Money will help you budget for this. You'll have access to UK-based money managers, helping you to keep on top of your outgoings to help improve your credit score. 

However, the current account does charge £10 for single use and £15 for joint bank accounts per month, which can be fairly pricey but they could even accept customers that have missed repayments or have a CCJ or defaults on their credit file. 

Overall verdict: If you struggle with managing your finances and want help with managing your money,  then Think Money could be for you. However, there are loans and current accounts out there that at a much cheaper rate so make sure you compare your options. 

Written by: Mark


  • Account management app
  • No hidden fees or charges
  • 24/7 online access
  • Money managers help you budget
  • Credit building account
  • Suitable for those with low credit scores
  • No credit check for account

Minimum criteria

  • Monthly fee of £10 for an individual account or £15 for a joint account
  • You can only apply for credit 3 months after you pay your first income into the account


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Think Money | Current Account

The Think Money Current Account allows for you to keep track of your spending with 'Money Managers' that help you budget for your bills and regular outgoings. There are no hidden charges or fees and you have access online 24/7 with their app. The current account costs £10 per month or £15 for a joint account. After 3 months of banking with them, you may be eligible for one of their two loan products, the Think Money Flexi Loan or Current Account Plus.

Think Money don't run credit checks if you want to open up an account. This means if you have bad credit, a CCJ or you're going through bankruptcy, you can still apply for the account. 

Company information

Registration number: 05530040

0161 672 8910

Think Park Mosley Road Trafford Park Manchester M17 1FQ

FCA registration

Reference No: 685963

Trading names: Think Money (UK) Ltd

Place of business: Think Park Mosley Road Trafford Park Manchester M17 1FQ

Data protection registration

Registration No: Z9722822

Data controller: Think Money Limited

Address: Think Park Mosley Road Trafford Park Manchester M17 1FQ

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