thinkmoney - mobile banking

Think Money Limited

About this app

You can now open a thinkmoney Current Account in minutes.

thinkmoney is an all-in-one banking app for everyday people. Helping you bank, spend, save and budget at every stage of life.

Open an account in minutes

• Fast. Simple. Secure.
• Budget Better – Our Smart AI takes away the hassle of budgeting
• Helps improve your credit score
• No fees or charges on UK transactions
• First month free (£10.95 monthly subscription)

Budget better

Our Smart AI takes away the hassle of budgeting.
• Automatically sets aside money for bills
• Manage in the app
• Tells you what’s available to spend
• Keeps you on track and in control
• Works to improve your credit score!

The thinkmoney app

Manage your money whenever and wherever you like. The app is simple, fast, secure, and gives you all of this (and more!):
• 24/7 account access
• View balance and transactions
• Send money in seconds
• Smart AI Budgeting
• Track your budget for the next 3 months
• Get instant notifications
• Approve online payments

There’s even more to come
We’re helping people towards a better financial future. And we’re always working behind the scenes to introduce new products and features. Watch this space…

We are not covered under the Financial Services Compensation Scheme (FSCS). As we are authorised and regulated by the FCA as an e-money institution, your money is held and protected in accounts with Natwest, Lloyds Bank, Barclays and other authorised credit institutions. We may receive interest on the money held and protected on your behalf. The E-Money Regulations 2011 prevent us from paying owed to customers. interest to you on the money in your thinkmoney Current Account. If we were to become insolvent, any customer money would be repaid after the insolvency practitioner’s costs for distributing any money

Ratings and reviews

Update: App remains absolutely awful. The newer "budgeting feature," aka an absolute joke, is in keeping with the rest of the app, clunky & awkward to use. In fact, it is so terrible that it is unusable. Via an edit icon, the plus & minus or amounts entered in the box are near impossible to alter due to the set up of bills & available money. There is nothing simple about it nor any guidance how to adjust monies so you can choose which incomes are held where.

Terrible "upgrade". Never had problem with the old app. New ap has been buggy with my budgeting putting all of my available cash into my bills so ultimately left me with no money for living. Now it won't let me pay my credit card bill ultimately ending up in extra charges. Terrible for a service that is paid for monthly. Cant get in touch with anyone on the phones even after waiting for over an hour on hold. Avoid! - 23/2 - after new update budgeting isn't working. App is pointless. Awful

There's been one update since the review. Unfortunately, we still have no end date available on standing orders. If you need to change the amount, it has to be cancelled and reinstated. This is just not user-friendly. I still don't have my bank statement available for November, and I am scrolling to the bottom on a daily basis. Think Money is still missing the basics we loved in the old app. UPDATE: I still can't update my standing orders with end dates or change the costs either.

What's new

New features & bug fixes