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thinkmoney: Current account reviews

Name: Current account
Rating: 3.18 (73 reviews)

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3.18

Based on 73 reviews, last reviewed 6th Sep 2026

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

40%

45%

Latest highest rating:

5

Think Money are amazing. Brilliant system - A account for direct debits, standing orders etc., which you don’t have access to. B account is your spending money. Reviewed on: 24th March 2026

Latest lowest rating:

1

To: thinkmoney Complaints DepartmentSubject: FORMAL... To: thinkmoney Complaints DepartmentSubject: FORMAL COMPLAINT: Systematic Transaction Delays, Missing Funds (£360), and Unprofessional Customer Suppor... Read more Reviewed on: 6th September 2026

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About this product

thinkmoney offer three different types of personal current accounts.

The Everyday account is fee free, the Smart and SmartPlus accounts have a monthy fee in return for more features. The SmartBudget feature helps you monitor and manage your money so you stay on track for your financial goals.

thinkmoney current account reviews help you find out what it’s really like to be a customer. If you’ve used thinkmoney before, you can also leave a review and share your experience.

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thinkmoney Current account reviews (73)

To: thinkmoney Complaints DepartmentSubject: FORMAL...

To: thinkmoney Complaints DepartmentSubject: FORMAL COMPLAINT: Systematic Transaction Delays, Missing Funds (£360), and Unprofessional Customer Support (Account No: 35386147)To the Complaints Management Team,I am writing to log an official, formal complaint regarding the unacceptable handling of my account, the systematic withholding of my funds, and the deeply unprofessional conduct of your customer service team.For a considerable period, every single payment into and out of my account has been systematically delayed by a minimum of 12 hours. This includes my most recent transaction—a Faster Payment of £360 from Eliah, which cleared the sending bank on Friday at 2:00 PM but has been withheld by thinkmoney.Whenever I contact your support team to ask why my funds are consistently delayed, I am met with complete incompetence. Your front-line staff appear entirely uninformed, refuse to answer my questions, and provide conflicting information. Most recently, your AI chatbot confirmed the arrival of my funds, yet the human advisor I was connected to immediately contradicted this and denied receiving the payment.Furthermore, during my conversation with a customer support advisor on Friday, I was subjected to intrusive and entirely inappropriate questioning. The advisor asked me why I needed my own money so urgently, claiming that if he knew the reason, he would pass it to another team to "speed things up." It is entirely unacceptable and a breach of customer dignity for your staff to interrogate me on how I intend to spend my own money before deciding whether to release it. Out of sheer desperation to resolve the situation, I complied and explained the reason, but this invasive questioning yielded absolutely no results, and my funds remain withheld.I understand that accounts can be subject to standard security screening. However, a permanent, 12-hour restriction on all of my transactions—combined with invasive questioning and a total refusal from your staff to address my queries—is causing me severe financial distress and is completely unacceptable.I require the following actions taken immediately:A full investigation into why a systematic 12-hour delay is being applied to all my transactions.The immediate location and release of the missing £360 payment into my available balance.A formal written response and apology explaining why my account is being restricted, why your advisor felt it appropriate to interrogate me regarding my urgent need for funds, and why your staff have repeatedly failed to assist me.If this matter is not resolved promptly, I will escalate this complaint directly to the Financial Ombudsman Service (FOS) and the Financial Conduct Authority (FCA) for breach of service and unfair treatment.Under FCA regulations, I expect a formal acknowledgement of this complaint promptly and a final response within 8 weeks, though given the severe financial distress caused, I expect the missing funds to be tracked immediately. Reviewed on: 6th September 2026

Think Money are amazing.

Brilliant system - A account for direct debits, standing orders etc., which you don’t have access to. B account is your spending money. Reviewed on: 24th March 2026

Since I started a Think Money account I have not had...

Since I started a Think Money account I have not had any bills that are missed or overdue. Its easy to see what money is coming out and when and even if its on different days, my account automatically puts the money aside. Its been a life saver and I wouldn’t move back to a traditional account. The only downside is the new bank does not have certain things like open banking etc… Reviewed on: 22nd January 2026

ThinkMoney is the best.

Love ThinkMoney has truly helped me budget and takes all the stress out of manaing bills, Reviewed on: 6th March 2025

Think money have blocked my account for 7 weeks ago...

Think money have blocked my account for 7 weeks ago and holding my money. They cannot tell me when my money will be released. Customer service agents are useless and when you call them they say no update. Reviewed on: 15th June 2024

My account has kept my £7000 and will not tell me wh...

My account has kept my £7000 and will not tell me when I will receive this. I have received a letter from them stating my account will be closed within 7 days and a cheque will be sent out. Two months later the account is still not closed and no cheque issued. Reviewed on: 10th June 2024

Always helpful as breaks down monthly incoming and o...

Always helpful as breaks down monthly incoming and outgoings and information is easy and simple to understand which helps you keep on top of your bills Reviewed on: 7th April 2024

All banking should be like this.

I've been with thinkmoney since around 2006 and i wouldn't change banks. I don't understand why ALL banks aren't like this. So easy to manage your money with the budgeting tool and split. It means i never overspend, and with no overdraft facility, i never get into debt either. Really easy to use app, and all their staff are based in the UK. I would never go back to banking with any of the usual suspects. Reviewed on: 23rd February 2024

I was locked out of my account for over a month afte...

I was locked out of my account for over a month after 13 years been a customer phone lines and emails are impossible over 2000 people affected ps all affected please get in touch at [email protected] as looking at going to media ie watchdog ect Reviewed on: 19th January 2024

Shocking bank rob your money

Absolutely shocking bank won't let me withdraw money witch is child benefits 6 year old son will be of school now because I can't get is pack lunch stuff im taking u to the papers and citizens advice your banks a scam dont use them they rob u for 15 pound a month to use the bank i cant get money out of worse bank ever Reviewed on: 12th December 2023

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