Thinkmoney in 60 seconds
Thinkmoney at a glance (2026)
Onboarding can be pausedThe Thinkmoney website has at times redirected the “Open an account” flow to a be-back-soon page. Check thinkmoney.co.uk before assuming the account is permanently closed.
About Thinkmoney
Think Money Ltd was founded in Manchester in 2001 and has spent two decades targeting UK customers who struggle to get a standard current account: those with thin credit files, recent CCJs, or simply a need for budgeting tools and bills-managed accounts. Thinkmoney is authorised by the FCA as an electronic money institution, not a UK clearing bank, and is owned by private-equity firm Alchemy Partners.
EMI status — what it means for your money
As an FCA-authorised EMI, Thinkmoney is required to safeguard customer funds in a separate ring-fenced account held with a partner bank. Your money is kept apart from Thinkmoney’s own funds and would not be lost if Thinkmoney went bust.
However, EMI safeguarding is not the same as FSCS protection. There is no £85,000 cap and the rebate timeline can be longer than the standard FSCS process. If FSCS protection is essential, see our best UK current accounts guide.
Thinkmoney accounts in 2026
Everyday Account
Standard fee-free Thinkmoney account with a Mastercard, basic budgeting tools and the bills-managed Pots feature.
- Fee-free.
- Mastercard debit card.
- Basic budgeting tools.
Smart Account
Mid-tier paid account with extended budgeting, bills-managed automation and free monthly direct-debit payments.
- Monthly fee applies.
- Bills-managed direct-debit Pots.
- Wider budgeting toolkit.
SmartPlus Account
Top-tier Thinkmoney account with full bills management, savings nudges and priority customer support.
- Higher monthly fee.
- Full bills-management proposition.
- Priority customer support.
Credit card
Credit-builder card aimed at customers rebuilding their credit history. Decision depends on credit profile.
- For thin credit files.
- Soft eligibility check first.
- Limit reviews after responsible use.
Personal loans
Unsecured loans for everyday expenses, with eligibility geared toward customers high-street lenders may decline.
- Eligibility check up front.
- Representative APR depends on profile.
- Open to Thinkmoney customers.
Free credit score
Free credit score tool with personalised improvement suggestions. No Thinkmoney account required.
- Soft search only (no impact).
- Free, no Thinkmoney account needed.
- Improvement suggestions in-app.
Thinkmoney customer service
Thinkmoney does not publish a single all-purpose phone number on the public website. Most support runs through the Help & Support and secure-message channels reached after logging in. Specific contact numbers sit behind individual product pages.
Help and support
Public self-service centre
Open Help
24/7 self-service
Service status
Check disruptions
Service status
24/7
Secure message
Log in to your Thinkmoney account
Sign in
24/7 portal
Start hereLost or stolen card
Use the number on the back of your card
See your card
24/7
Thinkmoney FAQ
No. Thinkmoney is authorised by the FCA as an electronic money institution (EMI), not a UK clearing bank. Customer funds are safeguarded under EMI rules rather than protected by the FSCS.
EMI safeguarding requires Thinkmoney to keep customer funds in a separate ring-fenced account with a partner bank. Funds are protected from Thinkmoney’s own creditors but are not covered by the FSCS to £85,000.
Yes — Thinkmoney specifically targets customers who struggle to get a standard high-street current account. Eligibility is still subject to ID checks but the threshold is lower than at most UK banks.
No public confirmation. Thinkmoney is owned by Alchemy Partners at the time of writing. Verify the latest position on thinkmoney.co.uk before making decisions based on rumours.