Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

thinkmoney: Current account reviews

View other thinkmoney products
3.07
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
See only 5 star reviews
40%
See only 4 star reviews
7%
See only 3 star reviews
3%
See only 2 star reviews
5%
See only 1 star reviews
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
Ruth Fc's avatar
Ruth Fc

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
Micky Rivera's avatar
Micky Rivera
Read all reviews Write a review

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.

Review thinkmoney: Current account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

thinkmoney Current account reviews (73)

Avoid at all costs

2
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
HLC's avatar
HLC

Avoid

1
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
victoria hopper's avatar
victoria hopper

Thinkmoney

5
A great account that takes away the worry of budgeting your monthly expenses, by not putting aside and not allowing you to spend your any total outgoings, leaving you the freedom to use the rest for whatever you need to, worry free. The accompanying mobile app is also great and easy to use! Reviewed on: 16th April 2019
Simon Brooks's avatar
Simon Brooks

Good for budgeting

4
Keeps all your bill money in one place ready for their due dates. A couple of times they have messed up on paydays but is sorted that day Reviewed on: 10th February 2019
Anna Greet 's avatar
Anna Greet

Brilliant

5
It does what it was and I never have unpaid dd Reviewed on: 21st January 2019
Emily 's avatar
Emily

Really easy to use

5
Really easy to setup, great first initial contact and all further queries dealt with first time. Budgeting is a great feature Reviewed on: 13th January 2019
Matthew Pollard's avatar
Matthew Pollard

OK'ish

3
The basic person account is usuful for people unable to easily obtain a standard account. The fees however are high. A good start up account, but not one you want to stay with for long Reviewed on: 12th January 2019
Anonymous's avatar
Anonymous

Made my banking easy.

5
Was never good at managing money but this makes it so easy. Reviewed on: 7th December 2018
JimmiG's avatar
JimmiG

A fantastic account!

5
So easy to use and manages my money for me so I never miss a bill! Reviewed on: 20th November 2018
CG's avatar
CG

Brilliant

5
Brilliant for anyone who needs help budgeting as it account helps to make sure all your financial on track Reviewed on: 6th November 2018
Emily Jane Clarke's avatar
Emily Jane Clarke

Do you have a different thinkmoney product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Want to see more from thinkmoney?

    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill