thinkbanking: the bank account that offers more
The thinkbanking account is not like other current accounts. We promise you:
- No more hidden charges or overdraft fees
- It's open to everyone - no credit check required
- Expert help with your finances from our Money Managers
At thinkbanking, we recognise that people want more from a bank account than just somewhere to keep their money. That's why we offer a range of useful features that could make managing your finances a lot simpler.
If you're aged 18 or over and a UK resident then you can apply for a thinkbanking account today!
Benefits of a thinkbanking account
Expert help with your finances from a Money Manager
A lot of people struggle to manage their finances, but the thinkbanking account makes it easier.
Every month, one of our dedicated Money Managers will split your money into two accounts: one for essential expenses, such as bills, and one for spending. This means you can safely spend money without worrying about meeting all your commitments.
Our Money Managers are there to help you. If you ever have any questions or queries about your account or any other money matters, just give us a call.
An end to hidden charges
thinkbanking will never charge you for bounced payments or unauthorised overdrafts like other bank accounts can. Once your account is up and running, all you'll pay is a single monthly fee of £14.50 for a single account, or £21.25 for a joint account.
If you're one of the many people who have paid hundreds or even thousands in bank charges on your current bank account over the last few years, just think how much you could save!
Your own thinkbanking Debit MasterCard®
Your thinkbanking Debit MasterCard® can be used in most shops, restaurants and cashpoints around the world - where you see the MasterCard Acceptance Mark.
Free SMS and online banking
With a thinkbanking account, you can manage your money anywhere you like, at whatever time suits you.
Our online banking service means you can manage your account from the comfort of your home, while our SMS (text) banking service lets you check your balance, change Direct Debits and more on the move.
Choosing the right bank account
Finding the best bank account for your needs can be a lot more difficult than many people realise. But making the right decision can make a big difference to your finances.
Interest rates
In the current economic climate, a lot of accounts offer little or no interest on account balances. Some people want an account that offers higher returns, while others don't consider this the most important thing.
Access to credit
Some people look for bank accounts with an overdraft facility. They'll ideally want to find an account that offers the highest credit limit and the lowest interest rate, or a balance between the two.
On the other hand, others prefer to avoid debt altogether by looking for bank accounts without this facility. thinkbanking help you avoid the need for credit by ensuring that you can't overspend.
Other benefits
You may find that the additional benefits some bank accounts offer - such as the personal budgeting service that thinkbanking provides - are more useful to you than the interest you'd get from an interest-paying account.
Text updates and online banking are free to receive. Your service provider's normal rates still apply. Subject to fair use policy.