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thinkmoney: Current Account reviews

Name: Current Account
Rating: 2.89 (71 reviews)

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2.89

Based on 71 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

39%

45%

Latest highest rating:

5

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 ... Read more Reviewed on: 22nd January 2026

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.

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thinkmoney Current Account reviews (71)

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

Thinkmoney Personal Account

This is a great managed account, that puts aside the total cost of your specified direct debits/standing orders at the beginning of each month. This then means that you don't ever eat in to money needed for essential payments and you don't ever have to worry about it. The corresponding app is also great for viewing your balance and sending payments etc. Reviewed on: 28th April 2020

Really reliable

Loving this account simple to use and makes budgeting easy. Reviewed on: 19th January 2020

Simple and easy

Really loving this account. Everything is simple and easy to manage and the service is fast and reliable. Reviewed on: 19th January 2020

Highly recommend

Very happy with the service and amount of protection given to you as a customer it's easy to use it splits your bill money up from your spending money which is a great help and with it's easy app your bank is only one click away! Reviewed on: 12th January 2020

Good

Think money Personal Account is a good idea for set up my monthly income and Expenditure. Reviewed on: 4th December 2019

Avoid at all costs

I have been with this bank for about eight years. Normally okay, but when it goes wrong it goes really wrong. Try having your card declined in cash machines and retailers randomly late at night, stranded in the middle of a city centre with no cash for the bus home. You check your online banking and there's money in there... YOUR money... Yes YOUR money that you have been denied access to. You can't call anyone to rectify this error until the next morning when they're phone lines are open. Sometines you get a text telling you that your card has been blocked. Eventually when you can speak to a human they tell you there is no block on the card and the fault is with a retailer you tried to buy something from. Miraculously your card works again... For about 24 hours, then, you guessed it, same thing. I have had my last bad experience with this so called bank. Will be closing my account and banking elsewhere from now on. An absolute joke. Also considering you pay them a management fee every month it just adds insult to injury. Think Money where you can sometimes get access to your money. Do one. Reviewed on: 8th August 2019

Avoid

Have been with this bank for 6 years, never use to be a problem apart form the ridiculous call wait when you want to speak to some. The last six months have been awful, £17.50 to be paid each month for them to organise your finances????? I called on the 30/5/19 and to speak to them about my budgeting to get through to someone that clearly had no clue. Inexperience staff that rely on a computer system!!! Went to London on the 31/5 after being paid and checked my app to make sure all of my bill money that was needed had been held correctly. Went shopping, reassured that all my bills were being paid as I was paying for this service" Woke up on Saturday with no money left as they hadn't accounted for my bills properly!!! Why am I paying £17.50 a month???? Raised a complaint to be told I would hear in three days... still waiting. Rang up customer service to be spoken to like an idiot by a rude, uneducated girl that had no customer service skills and only way of communicating was grunting down the phone saying she couldn't put me through to complaints but I still had to pay my management fee, avoid like the plague. My 6 year old daughter could do a better job! Reviewed on: 6th June 2019

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