thinkmoney Personal Account Reviews

  Ratings based on 40 reviews       Last review 3 weeks ago    

thinkmoney Personal Account reviews at Smart Money People can help you to find out what life as a thinkmoney Personal Account customer is really like. Write your reviews with us, and together we can increase trust and transparency in financial services.

Overall Rating

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Features

60% of feedback is Process related

Customer profile

Top Age Profile: 35-44

Top Channel Preference: App

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Your Personal Account Reviews

40 reviews

Review thinkmoney's Personal Account now

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... Read more

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
Helene's avatar
Helene

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
Sarah's avatar
Sarah

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
Mark Timmins's avatar
Mark Timmins

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
Mark Timmins's avatar
Mark Timmins

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... Read more

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
Lee Alexander's avatar
Lee Alexander

My account

Absolute nightmare please don't fall for this fake bank they are a shambolic mess

Reviewed on 6th August 2021
Mark Timmins's avatar
Mark Timmins

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... Read more

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
Chris White's avatar
Chris White

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... Read more

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
Katie Canavan's avatar
Katie Canavan

Rubbish

Shit banking system and no one to speak to

Reviewed on 30th March 2021
Tiree hames's avatar
Tiree hames

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 s... Read more

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
VikingDracarys's avatar
VikingDracarys

saved me from debt Crisis

one of the most amazing Personal Accounts I have ever had.

Reviewed on 24th June 2020
Theunis 's avatar
Theunis

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... Read more

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
Jenny Minch's avatar
Jenny Minch

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... Read more

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
Simon Brooks's avatar
Simon Brooks

Really reliable

Loving this account simple to use and makes budgeting easy.

Reviewed on 19th January 2020
David Smith's avatar
David Smith

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
David Smith's avatar
David Smith

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
Sean Eccles's avatar
Sean Eccles

Good

Think money Personal Account is a good idea for set up my monthly income and Expenditure.

Reviewed on 4th December 2019
Md's avatar
Md

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... Read more

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

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 ... Read more

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

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... Read more

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