thinkmoney

Established in 2001, thinkmoney is an Electronic Money Institution (EMI) based in Manchester, and is part of Think Money Group.

thinkmoney offers a range of banking products, including credit cards and loans. Its main offering is a managed bank account aimed at helping people manage their money.

Its budgeting service splits customers' money into two separate account: one for fixed expenditure such as bills, the other for day-to-day spending. Anyone that is over 18 and a UK resident can open the account, as there are no credit checks during application.

As an EMI, the money you hold in your thinkmoney Current Account is not protected under the FSCS.

thinkmoney
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Bank accounts

Basic bank accounts

thinkmoney

Current Account

1 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £131.40
Part of FSCS i
Bankers draft/cheque fee i Not available
Unpaid transaction fee i £0.00
Faster Payment limit i £250,000.00
Maximum cash machine withdrawal per day i £450.00
Can you use your card to pay for items overseas? i

thinkmoney

Current Account Plus

1 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £191.40
Part of FSCS i
Bankers draft/cheque fee i Not available
Unpaid transaction fee i £0.00
Faster Payment limit i £250,000.00
Maximum cash machine withdrawal per day i £450.00
Can you use your card to pay for items overseas? i

Foreign use bank accounts

thinkmoney

Current Account Plus

1 stars
Foreign cash withdrawal fee i 2%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2%
Is there a limit on free cash withdrawals? i No free cash withdrawals

thinkmoney

Current Account

1 stars
Foreign cash withdrawal fee i 2%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Credit cards

Credit builder credit cards

thinkmoney

Credit Card

3 stars
Representative APR i 39.9%
Representative cash transaction interest rate i 2.84%
Representative purchase rate i 2.84%
Risk based? i
Initial minimum credit limit i £200.00
Statement Due Date Change Fee i £0.00
Representative balance transfer rate i 2.84%

Foreign use credit cards

thinkmoney

Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 39.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.84%

Money transfer credit cards

thinkmoney

Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 39.9%
Risk based? i
Representative cash transaction interest rate i 2.84%