The thinkmoney Personal Account

In 2002, Think Money Group started offering customers an account that really helped them take control of their finances. Now, more than ten years on, more than 35% of our debt management customers enjoy the extra help the thinkmoney Personal Account offers. This is a practical alternative to a bank account and provides:

This account won't charge you for rejected or missed payments. Instead, you'll get real people managing your money so you meet your regular expenses on time, every time, and you can enjoy the cash you have left.

How does a managed account work?

Your incomeYour income is paid into your thinkmoney 'Salaries Account'.

Your commitmentsMoney Managers set aside the money you need to cover your regular commitments.

Your cashThe remaining funds are moved into your 'Card Account'. Use your thinkmoney Prepaid Debit MasterCard to access them.

The cash you deposit is split into two accounts, one covering monthly bills and commitments you've told us about and the other containing all the cash you can spend using your thinkmoney Prepaid Debit MasterCard. You're free to do that knowing that your monthly commitments are taken care of - so you should never miss a payment again.

What does a thinkmoney Personal Account cost?

The thinkmoney Personal Account won't charge you for any missed or rejected payments - and the monthly management fee of just £14.50 (£21.25 for a joint account) will be dealt with just like your other regular commitments. There'll be no extra charges to pay and you'll always know exactly where you stand.

5 ways a thinkmoney Personal Account helps you

Expert help managing your finances


Your own thinkmoney Prepaid Debit MasterCard


Set up Direct Debits and standing orders to suit you


Your Thinkmoney Personal Account


Experts keeping an eye out for problems


The Fairbanking Mark

The account has been granted a 4 star accreditation by the Fairbanking foundation - their highest accreditation to date.

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Apply for an account

With no credit checks it's easy to begin your application. Apply for your account on 0800 161 3516 (mobile calls may be cheaper on 0161 605 4824) or complete this simple form to start your application today.

Find out more about the
thinkmoney Personal Account

What's included in your monthly fee?

The thinkmoney Personal Account is a real alternative to a bank account: your fee includes the help of our Money Managers and all the services you need to make managing your finances and accessing your cash easy and convenient:

You'll be able to access your cash at ATMs worldwide, get cashback and pay for goods and services in restaurants, stores and online, in millions of places where you see the MasterCard Acceptance Mark.

Monthly management fee payable. Only available to UK residents aged 18 years or over for personal use. Proof of identity is required. The thinkmoney Personal Account is held with a leading high street bank but managed and provided by Think Money Limited. Terms & Conditions. *Using SMS and online account management services will incur no additional charge. Please note that requests for salary and card account transactions are both limited to 10 per month. Your service provider's normal rates still apply.

Think Money Limited © 2014 is authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900033) for the issuing of electronic money and the provision of payment services.

Think Money Limited is an appointed representative of Think Insure Limited, FCA registration number 310071 and Think Loans and Mortgages, FCA registration number 310069, both of which are authorised and regulated by the Financial Conduct Authority in respect of their insurance mediation and regulated mortgage activities.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd ("WDCS") pursuant to licence by MasterCard International Inc. WDCS is authorised and regulated by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).

Think Money Limited. Registered Office: Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. Co Reg No. 5530040. Registered in England and Wales.

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About us

We've been helping people get out of debt for almost 20 years. Read more about what we do and the charities we support.

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Our awards

Every month we help 1000s of people to get out of debt. We are proud of the service we provide and of the awards we've received.

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Fees & key info

Read more about the fees involved with each of the solutions we provide.

Download the Insolvency Service guide to dealing with creditors.

Read here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Customers' stories
Mr M.D.Somerset

"Everyone I've dealt with has been practical, helpful, calm, non-judgemental and efficient. I'd recommend this service to anyone."

Ms C.I.London

"They took all the worries of dealing with phone calls and letters away from me and kept me informed of what was going where."

Mrs K.H.Norfolk

"From start to finish I felt as though I mattered. My case was dealt with care. I would definitely recommend your services."

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