thinkmoney - mobile banking

Think Money Limited

About this app

thinkmoney is a digital banking provider that helps customers take control of their finances, pay bills on time, and improve their credit scores.

With an easy-to-use app packed full of handy features, a budgeting tool that can transform money management, and no credit checks to apply, we’re all about no-nonsense banking for everyday people.

Open an account in minutes and start building a brighter financial future.

An easier way of banking

Whether you’re on the go or in the comfort of your own home, manage your money with a few taps of a button in the thinkmoney app. It’s easy to use, faster than ever, safe and secure, and lets you do all of this:

• Enjoy 24/7 account access
• View balance and transactions
• Send money in seconds
• View your PIN
• Set up and amend budgeting
• Track your budget for the next 3 months
• Add Direct Debits and standing orders
• Get instant notifications
• Approve online payments

And so much more!

Top-notch security features

• Face and fingerprint login
• Confirmation of Payee
• Instant updates on your account activity
• Lock and unlock your card

Pay bills on time, every time

Our unique budgeting feature is changing the game. Tell us about money coming in and going out of your account, then let us work our magic.

Budgeting will set enough money aside to cover your bills and the rest is available for you to spend. No more going overdrawn, no more missed payments, and you know exactly where you stand.

Simple, worry-free budgeting.

Keeping your money safe

The money you hold in your thinkmoney Current Account is not protected under the Financial Services Compensation Scheme (FSCS). As thinkmoney is authorised and regulated by the FCA as an E-Money Institution, your money is held and protected separately in safeguarding accounts with the Royal Bank of Scotland and Lloyds Bank. In the event of thinkmoney’s insolvency, any customer money would be repaid after the Insolvency Practitioner’s costs for distributing any money owed to customers.

There’s even more to come…

We always want to provide a first-class banking experience for our customers. That’s why we’re constantly working behind the scenes to introduce new products, features, and services. So watch this space.

Download the thinkmoney app today and join thousands of everyday people who are building a brighter financial future.

Ratings and reviews

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

Hate the new app. I find it confusing and have had 3 direct debits bounce as a result of the new times. No notification giveing a chance to add money, just keeps notifying me I'll be short for bills next month and in feb. No good to me. Please bring back the old one. 2 months on and still no better. No notification on the day or day before of insufficient funds. Only notified when payment bounced. Get notifications for following month and month after, no good to me. Shocking app

Only benefit of the new app seems to be for the bank. The now extraordinarily long process to transfer money, due to their nanny state function of asking you to check it it's a scam and clear any liability, has just created frustration. As well as trying numerous times to delete a direct debit to no avail and the debit STILL being processed! After the recent update, yet ANOTHER scam warning page has appeared making the tranfer process longer!! Soon - it will be quicker to deliver cash in person.

What's new

New features & bug fixes