thinkmoney Reviews 

8,271
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Considering 971 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the exceptional support provided by friendly staff members, who always go above and beyond to assist with effortless account setups and daily financial management. Consumers frequently find the banking platform incredibly useful for keeping track of weekly and monthly expenses, making budgeting completely stress-free. However, some customers also noted unexpected transaction fees or frustrating transfer delays when moving funds between external accounts. A few people were dissatisfied with sudden card blocks and experienced communication difficulties when trying to resolve these problems with customer service.

What people talk about most

User experience

Clients share positive opinions on user_experience, highlighting a straightforward and user-friendly... See more

Payment

Customers consistently note ambiguous experiences with payment, reflecting a wide range of differing... See more

Customer service

Users describe positive interactions with customer_service, highlighting helpful and efficient support.... See more

Staff

People report positive experiences with staff, highlighting their professionalism, helpfulness, and... See more

Service

Consumers find service to be positive, highlighting professional support and efficient bill management.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

review of amazing help from Imran. Thinkmoney's manchester office.... sadly I am unable to post the full review as am unable to copy and paste directly into here. Stunningly professional service, t... See more

Company replied

Rated 5 out of 5 stars

I spent ONE HOUR on the phone to Think Money this morning the forst 50 mins with one agent who spoke with a foreign accent was WORSE THAN USELESS.....then I called again and got hold of Jamie. He is... See more

Company replied

Rated 5 out of 5 stars

Says what is does on the tin. Helpful to pay the bills by splitting the money coming in towards spending and what is available in manageable chunks. It does as described above instantly without bei... See more

Company replied

Rated 5 out of 5 stars

Fast effective sign up. Fab bank so far. Smart account is worth the small fee each month if you regularly deposit cash . Cheaper than the percentage they charge for each deposit and you get other... See more

Company replied


Company details

  1. Bank

About thinkmoney

Written by the company

thinkmoney is an all-in-one banking app.

For over 20 years, we've helped over a million people with our current accounts, credit cards, and loans.

We’ll help you be your money best with SmartBudget, your personalised in-app money assistant, relevant lending products, cashback & discounts.

Choose from our Everyday, Smart, or SmartPlus current accounts, created with you in mind.

Everyday:

Perfect for daily spending. For those who want more than a basic bank account with 24/7 in-app support.

Smart:

Ideal if you want an end to overdraft fees & charges forever. Make sure your bills are paid on time and know what is safe to spend using your money assistant. 24/7 in-app support. Use abroad for free.

SmartPlus:

Spot on if you want everything that’s included in Smart, plus a little bit more. Saves you money with cashback & rewards on your shopping, eating out, entertainment and travel.

Meet SmartBudget:

In -app money assistant included with Smart and Smart Plus accounts:

Pays your bills on time, lets you know what’s safe to spend, plan ahead with a three month forecast, prompts you before things slip.

It's banking done different.

thinkmoney

Written by the company

Banking made easy
If you thought all accounts were the same, think again. Anyone can apply - no credit check required. A thinkmoney Current Account delivers three things: transparency, personal service and peace of mind.

Contact info

4.4

Excellent

TrustScore 4.5 out of 5

8K reviews

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4.4

All reviews

(8,271)

975 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

They lie they do carry out credit…

They lie they do carry out credit checks and cifas fraud marker checks
I was refused account in 1 second of applying

June 18, 2026
Unprompted review
thinkmoney logo

Reply from thinkmoney

Hi Keith,

Account applications are assessed against a range of eligibility and risk criteria, unfortunately we are unable to provide detailed reasons for application decisions.

We're sorry to hear of your disappointment and would encourage you to contact our customer support team directly if you would like us to review your concerns further.

-Ellie

Rated 5 out of 5 stars

review of amazing help from Imran

review of amazing help from Imran. Thinkmoney's manchester office....

sadly I am unable to post the full review as am unable to copy and paste directly into here. Stunningly professional service, this man is an absolute gem and a legend and helped me above and beyond. The absolute best customer service in a very dark time, who's actions quite literally saved my life. Brilliant, professional, caring and without doubt the best ever. Cheers Imran, you are an absolute cracker and one in a million. I detected a Scottish accent, and I live in Dunfermline, there is a good meal and night out awaiting here for you. All the best and I cannot thank you enough, Nick Fenlon

June 4, 2026
Unprompted review
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Reply from thinkmoney

Thank you for your wonderful feedback Nick. We're delighted to hear that Imran was able to provide such exceptional support during a difficult time. Your kind words mean a great deal! 💙🩷

Rated 5 out of 5 stars

EXCELLENT account

EXCELLENT account. No problems so far. Been with thinkmoney for years.
Thank you to all staff.
Happy new year.

June 15, 2026
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Reply from thinkmoney

Happy new year Mohammed! Thank you for the 5 stars ⭐️

Rated 5 out of 5 stars

Opening my New Bank Account with…

Opening my New Bank Account with THINKMONEY was SO Straightforward and User Friendly and the Delivery of my Card is only 3-5 Working Days!
Looking forward to Using this Account.

June 13, 2026
thinkmoney logo

Reply from thinkmoney

We hope you enjoy using your new account and look forward to supporting you on your journey with us Lucy! 👏

Rated 5 out of 5 stars

I recently opened the bank account with…

I recently opened the bank account with you guys, but unfortunately you guys charge me for transaction fee and receiving money fee. I’m not happy I signed out it is free. Please don’t charge me anymore or refund the fee. You guys take it from my account when I make transaction.

June 14, 2026
thinkmoney logo

Reply from thinkmoney

Hi Obaid,

Thank you for your feedback. We’re sorry to hear you’re unhappy with the charges you’ve noticed.

There is no monthly fee with our Everyday account; however, you do pay for certain services as and when you use them. The charges for these services are set out in your terms and conditions and you can also view them on our website under the ‘Compare accounts’ section in the ‘Current account’ area.

If you find you often use services that carry fees, you may prefer our Smart or SmartPlus accounts. These include a monthly fee that covers most everyday use, with only limited extra charges for replacing a lost or damaged card.

We’d be happy to talk you through the different account options and help you find the one that best suits your needs. Please contact us via chat or phone if you’d like support with this.

-Ellie

Rated 5 out of 5 stars

Says what is does on the tin.

Says what is does on the tin.
Helpful to pay the bills by splitting the money coming in towards spending and what is available in manageable chunks. It does as described above instantly without being prompted so you can see what you have to spend/ save or whatever but if you need the money from the bills section you still have access to it.
Very easy banking app and friendly staff that are very helpful if needed.
Great bank, great app and accessible for any type of person.

June 14, 2026
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Reply from thinkmoney

It's rewarding to know that you find our service accessible and supportive Christopher! 😊

Rated 5 out of 5 stars

Thinkmoney has helped me through a…

Thinkmoney has helped me through a traumatic head and mental health injuries. It is brilliant to know my bills are paid without much input from my slow bra

June 14, 2026
thinkmoney logo

Reply from thinkmoney

Thank you for sharing your experience with us Steve, we're so pleased to hear we have helped provide some peace of mind during a challenging time. We'd also like to let you know about our Customer Service Specialist Team, who support customers experiencing mental or physical health conditions, as well as difficult life events and personal circumstances. They can discuss a range of support options and adjustments that may help us provide the most suitable service for your needs. If you'd like to speak with the team, please contact us through chat or phone and we'll be happy to arrange this for you 💙

Rated 5 out of 5 stars

Think money banking.

Since opening my think money account,I have managed to get my finance's in control, and make sure all my bills are in order.Any questions I've had have been answered quickly by the customer service team. Thoroughly recommend them to anyone.

June 13, 2026
thinkmoney logo

Reply from thinkmoney

We're delighted to hear your account has helped you stay on top of your finances Sonia 😊

Rated 5 out of 5 stars

Think Money great.

Think Money is a great bank, I don't have to worry about anything, everything is taken care of, all my bills are all paid on time, because Think Money deals with it all for me.

June 13, 2026
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Reply from thinkmoney

This is delightful to hear, thank you so much💙

Rated 5 out of 5 stars

Brilliant app

Brilliant app, can't fault the company. Makes everything much easier when managing bills , payments etc. 100% recommend

April 16, 2026
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Reply from thinkmoney

This is wonderful to hear Stacey, so glad you love it💙

Rated 4 out of 5 stars

I recently closed my think money…

I recently closed my think money account as it had served its purposed I will say it did help me out in the years I struggled with money/debt but I have no debt now and so much in control of my money and moved to another bank without the charge, so in many ways think money is good it’s not perfect buy I think they know that that’s why they keep updating it.

June 12, 2026
Unprompted review
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Reply from thinkmoney

Thank you for your feedback Jason, we are glad that the account supported you when you most needed it. We are always looking to make our accounts better and provide the best product we can✨

Rated 5 out of 5 stars

Spoke to margie today what an amazing…

Spoke to margie today what an amazing lady so patient with me as I’m not the fastest she was so helpfull and made the whole process easy I could not have done it with out her 10/10 top lady

June 12, 2026
Unprompted review
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Reply from thinkmoney

Thank you for your kind words, we will be sure to pass this on to Margie. 💙

Rated 4 out of 5 stars

One or two issues

I may have left rewarding comments beforehand,however there are some facts that I overlooked.
Añnoying times "system updates"
No human contact at week ends, especially in the case of fraud. Nbthe case of human contact,making yourself explain to an advisor who does not speak English!!

November 28, 2025
thinkmoney logo

Reply from thinkmoney

Hi Mark,

We appreciate you taking the time to share your feedback.

We understand that system updates can sometimes be inconvenient, however these are important to maintain our services, improve security and ensure we're providing the best possible app experience for our customers.

We're also sorry to hear about your concerns regarding communication with our advisors. All of our customer service representatives, including those in our offshore contact centre, speak English and are trained to support our customers effectively. If you've had difficulty understanding an advisor, we'd be keen to learn more about your experience. Please do reach out to us directly via the chat feature or telephone for this to be reviewed.

Your feedback is valuable and helps us continue to improve our service.

-Ellie

Rated 5 out of 5 stars

I love

I love. My. Bank. An is easy to. Use

June 12, 2026
thinkmoney logo

Reply from thinkmoney

Thank you. 💙

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