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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

Unbelievable incompetence

It's now day 6 with no access to my funds and no contact from thinkmoney this bank is wrong on so levels AVOID Reviewed on: 10th August 2021

Scammers?

Terrible customer service think money have nothing but contempt for the customers, they will steal thousands of pounds out of your account without any explanation or contact,I would beg people to avoid this fake bank before they ruin your life Reviewed on: 7th August 2021

great for basic banking

A great account to keep you on track, but beware that the card issued on the account is prepaid card wich means your bank can not be verified by credit searches, and as such you can NOT apply for credit products using this account, or use any of the slice payment systems such as zilch, clearpay etc Reviewed on: 7th August 2021

My account

Absolute nightmare please don't fall for this fake bank they are a shambolic mess Reviewed on: 6th August 2021

Can Send Money Anywhere Anytime Apart From Where I Want When I Want

Ring up to do do an international transfer they say. So I did - Tuesday morning at 9am. Got through to someone at 9.25am. 'You will be called by lunchtime by the appropriate team.' Lunchtime - no response. Called. Told 'Call back promised by end of business banking...' Nope. Following day - 8am called, 8.10am registered a complaint. Told I would be called back that day. Lunchtime, still no response. (Called 11.30 - got through at 11.55 - was told, after 3 attempts of agent trying to connect me to team unsuccessfully - that the team had been messaged, were aware of me, and would call me.' Two hours later - still nothing. Called again, tried to put me through again, no response, will call me back. Now, day 3 and 2.30pm and still no call, still no transfer, still no support, 'but they are aware of you...' How hard is it to pick up a phone for crying out loud. Shocking. Their customer service hold statement: 'Use the Think Money App to send money anytime - anywhere....' MISLEADING - ANYWHERE IN THE UK IT SHOULD SAY!!! Avoid. There is much better out there. Angry, annoyed, frustrated, had to call several times, and absolutely terrible, considering I can send money anytime, anywhere, yet can't send to where I want, when I want. Reviewed on: 22nd July 2021

THINK MONEY

This company is so incompetent and misleading, im absolutely baffled what the charges are for on the account because the service is extremely poor, the time frames set for dealing with issues are never met, the staff just tell you anything to get you off the phone,after nearly 3 weeks i am still waiting for correspondence regarding an unauthorized payment and a complaint i raised 2 weeks ago still havent been contacted despite the 3 day time frame .... i have opened another account and cant wait to receive a professional forthcoming service Reviewed on: 21st May 2021

Rubbish

Shit banking system and no one to speak to Reviewed on: 30th March 2021

AVOID THHIS BANK AT ALL COSTS!!!

AVOID THIS BANK AT ALL COSTS!!! They charge a £15 a month (originally £17.50), for their 'services' which to be honest, many other banks offer for FREE or actually give you interest for. If we are going into the next major recession you may wish to save yourself nearly £200 a year. I was obligated to change to ThinkMoney through a Gregory Pennington debt consolidation plan. Sure they offer some discounts and perks. Sometimes okay but very often ridiculously long wait times to phone, (today 33 mins though understandable with CORVID I concede but his was the case way before this year sometimes) and if your living hand to mouth just to ask them to give you some available funds so you can eat that they try to put aside for the fee asap. Sometimes polite but often pretty abrupt and rude. Honestly, save yourself a buck and go with someone else, I've wanted to change since before lock-down, only myself and my credit rating to blame that I cant easily switch. I ruffly calculate I've paid them nearly £1500 the past seven years for the privileged of asking them to hold off on my management fee when I've got some basic income and need to prioritise my own funds. It just feels like a scam TBH that I should have got out of years ago! so no, don't fall for their 'business model' and spread the word. I guarantee they wont put this one on the front page. Reviewed on: 9th July 2020

saved me from debt Crisis

one of the most amazing Personal Accounts I have ever had. Reviewed on: 24th June 2020

AWFUL

An extraordinary amount of system problems.. Cards regularly not working, often out of hours leaving me stranded with no cash to get home. Passcodes never send on a Sunday and often during the week leaving me unable to transfer money. " passcodes and passwords needs to be entered twice for every action on online banking, would be quicker to just drive to the bank. Takes an hour a least usually to get through to someone by phone. The worst company and customer service I have ever experienced in my entire life. Reviewed on: 7th June 2020

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