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thinkmoney: Current Account reviews

Name: Current Account
Rating: 2.84 (69 reviews)

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2.40

Based on 69 reviews, last reviewed 15th Jun 2024

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

38%

46%

Latest highest rating:

5

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 bill... Read more Reviewed on: 7th April 2024

Latest lowest rating:

1

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 ... Read more Reviewed on: 15th June 2024

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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.

thinkmoney Current Account reviews (69)

Review of the thinkmoney, Current Account:

Not fit for purpose

New app is not fit for purpose. Budgeting is wrong. Account stating shortfalls when there is money in the spend account that would previously have automatically been moved to bills. New bills are not automatically set up as they said and have no option to add it as a bill so it is budgeted for unless I want to pay it by standing order! Absolutely shocking. Can’t get through on the phone. Emailed and they responded 5 days later without resolving the issues at all! I think I will be moving from Think Money after 12 years+ with them due to this! I have bank accounts with other providers and only stayed with Think due to the ease. However it is FAR from easy with them now and in fact is wholly stressful having to check my account daily to see if it has rectified. Reviewed on: 8th December 2023

SCAM BANK

They are the worse , they keep your funds held with no explanation whatsoever. The only thing they say its the same old excuse that is " we are regulated by the FC Authority we follow regulations " What about solve the problem rather than the same excuses ? They have held my funds for over 8 months when I called them they say that cannot disclose any information however my funds are held in their bank . The funny part is that im a customer with multiple bank accounts and their customer service are excellent. This so called Think Money Bank their customer support is appaling its the worse , rude staff , and they just say the same thing over and over again. Dont bank with this Scamming bank . Now after this post Chris will come with the same bot system message saying the same thing that he says to all customers. SCAM BANK Reviewed on: 25th November 2022

illegally keeping customers funds and lying

worst company and they steal money trust me they will say they not received funds and hide and lie when actually sender sent it with proof of payment plus they will say they will open internal investigation Reviewed on: 8th September 2022

Why is this bank allowed to exsist

This bank should be closed down. They do not have 24/7 support. cant contact them at weekends. cant access mu money. cant get my pin, even though they say to click on the MY CARD section in the App, it is not there. I spent over 1 hour on the phone trying to get through and the line was disconnected. i have tried to call them over 6 times and have still yet to be connected to someone. This is a disgraceful company and should be fined and closed down as soon as possible. Reviewed on: 27th June 2022

Brilliant banking made easy

Think money app is the best banking app iv ever used its easy to manage ur bills send transfer see when next paid ect i highly reccomend this banking company Reviewed on: 2nd June 2022

Think money says it all

Great bank never had a problem and easy to pay money into and pay bills at ease Reviewed on: 25th April 2022

Abousltly terrible

No helpful at all the app is pointless. Wating time on the phone is over 45min. What is the £10 per month for? I will be closing my sons account. Reviewed on: 20th April 2022

Do not bother. Terrible service. And terrible app.

I opened an account with them 9 months ago. Their service is bad, their app is literally trash. Constantly freezing, not properly laid out. It looks like it was built by a first year university student. Even simple features like open banking or Apple Pay are missing. They claim to help you budget but all transactions are marked as 'Salary to card' or 'Card to salary' so you can't even make any sense of how your money is being spent. They do not help you with managing your money at all. The so called budgeting feature is transferring your upcoming bills to some other account - to which, they restrict your access. Anyone with half a brain knows to ensure they have more money in their account than their outgoing bills so their value prop there is moot. The real service they provide is access to banking for people with bad credit, and since they know that their customers are people who are struggling, they fully take advantage of that by treating their customers like second class citizens. If you do not have bad credit, do not bother with this bank as every day with them is borrowed. They will inevitably close your account without warning and leave you high and dry. They charge you £10/month for providing nothing. At the very least you would expect some sensible customer service for that price, but nothing. Just bad service, regular outages and sub par tech. They have now closed my account without informing me at all. They send emails every day asking me to get a credit card with them, but can't send me an email to inform me that they are closing my account. I don't know why they closed my account, and to be honest I don't care. I just want my money back. Good riddance. I had read the reviews online, and judging by how bad their service has been, I knew it was just a matter of time and I made contingencies for this. The only way they can have such a high rating on review sites is if they pay these people or they flood the sites with fake reviews. As I write this, I have been on the phone to their 'customer service' for 45 minutes. They have no physical branches so this is the only way to contact them. Such is the life you will live if you choose to bank with Think Money. If you have any other option, I advise you to take it. Avoid this bank at all cost. Reviewed on: 14th April 2022

I have nothing good to say about this bank any more.

Transfers not arriving and receiving until much later or not at all without proper explanation. Now won't let me use the lottery,they have technical issues,over 10 days now and now refuses my card altogether, it's been rejected by eon now for months,hour long to speak to someone. And that's are just a few issues. Toy bank. In the process of moving banks! Reviewed on: 5th April 2022

Won't stop contacting me!

I have never been a customer of this bank. Someone tried to scam me online and steal my details, but only got some, enough to try and open an account with these people. I have contacted them and made the story clear, they have assured me it will go no further, but it's a few months later and I still get emails telling me to complete my account setup, despite all my efforts to end this, unsubscribe, etc. I just keep on getting the emails, so contrary to their assurances of removing me from their system, I'm obviously very much still on it. Poor poor shameful performance! Reviewed on: 25th December 2021

Saved my life

I've been banking with these guys for best part of 15 years! Yes you pay for an account but I wouldn't be where I am now with out them....fantastic service Reviewed on: 3rd October 2021

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