Сredits and loans
Credit Card
Debit card
Mobile Apps
Rating 2.67 6
We calculate the rating from AskWallet editorial and user ratings

Thinkmoney is digital banking service and advice provider in the UK. The company has developed a wide range of financial solutions, such as current accounts, debit cards, credit cards, home insurance, consumer loans to individuals. With a variety of options to choose from loan marketplace in the app, you’ll easily find one to suit your financial situation.



  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account


  • Card

  • Crypto


Founded: 2001
Has mobile app: Yes
Has web version: Yes
Languages: English
Reference number: 900033
Available in these countries: EEA
Jurisdiction: GBR
Licenses: AEMI

Main info

Has insurance: No
Has trading: No
Has budget planner: Yes
Has bill split: No
Has sepa: No
Has swift: No
Service fee: 0 GBP
Main service fee text: 10 GBP/month
Account opening fee: 0 EUR
Withdrawal fee: 1) ATM Card PS = 0-2%
2) Other Methods:
- Withdrawal in Post Office = n/a
- Withdrawal in Shop = n/a
P2P fee: in GBR = 0 GBP
from GBR = 15 GBP
Main currency: GBP
Number of currencies: 1
Credit: 1) Credit Cards2) Loans marketplace
Business account


Has virtual card No
Has card Yes
Has multicurrency card No
Personal credit and loans Credit cards Yes
Card provider MasterCard (Credit)
ATM withdrawal fee - 0% (in GBR)
- 2% (non-GBR)
Card limits Credit Limit = 200-1500 GBP

Business account

Business account has IBAN No
Business account has SEPA No
Business account has SWIFT No
Business account has business card No
Business p2p fee has conversion No
Business account deposit methods and fees has conversion No
Business account withdrawal methods and fees has conversion No

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Reviews by users

Review and rate ThinkMoney

ThinkMoney overview

Thinkmoney digital-only banking provider may help you to put money aside for your monthly bills.

3 min read 11.03.2021

Thinkmoney digital-only banking provider may help you to put money aside for your monthly bills.

social-icon Mark Timmins

Think money will steal your money

Absolute nightmare, avoid these scammers or I promise you will regret it

social-icon Lavrentijus Urbonas
social-icon Gunars Ratkevics

Payday is here and once again I cant log in. I've had my account for years and I love it but this not being to access your money balances on the day you get paid is getting worse it's happening more and more frequently and to be quite honest when your waiting for payday its distressing to not be able to see what is your own. We pay for the privilege of this account so theoretically it should run the same as other accounts after all it's our money.

social-icon Simone Wilson

I am very satisfied with all elements of managing my current account. Over and above that I highly praise their anti-fraud department after I fell for a scam when ordering a "Free Sample". Their anti-fraud team doggedly pursued the fraudsters and have re-imbursed me very swiftly and set in motion all barriers to prevent the fraudsters taking any further funds from my account. THANK YOU Thinkmoney team.

social-icon Susann Schall

Brilliant at helping to budget and make sure You don’t miss bill payments however the app is very rusty at times. Almost unusable every Friday morning when I imagine most people paid weekly need to use it. If money is budgeted incorrectly or not at all when pay comes in there is no one to speak to to rectify this until after 9am.

social-icon Hans Fullen

Been with thinkmoney for a year and I have had no problems. Money has been saving and been going great. ONLY issue is the app always being down ALWAYS. Pay 10£ a month to a bank and the app always being down isn’t a good cut, esp if there’s other banks that don’t charge NO Monthly fee and apps are always running smooth ie: like my Monzo & Barclays. If the app does suddenly change and not mess up like it does every 2 months. Thinkmoney is well. 50/50