thinkmoney Reviews 

8,358
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 930 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the exceptionally helpful and professional staff for resolving queries efficiently, offering clear explanations, and providing outstanding support during difficult times. Consumers also highlight that managing daily finances, setting up automatic bill payments, and utilizing the budgeting tools make overall money management much simpler and entirely stress-free. However, some people mentioned unexpected transaction fees, charges for adding funds, and frustrating delays when transferring money between accounts. A few reviewers also experienced difficulties with payment processing, missing communication, and long waiting times for funds to finally arrive.

What people talk about most

User experience

Reviewers mention positive feedback about user experience, highlighting the smooth application process, clear... See more

Payment

Reviewers highlight ambiguous aspects of payment, noting that while some consumers experience seamless fund... See more

Customer service

Customers had positive experiences with customer service, often praising helpful, professional agents who... See more

Service

Customers consistently note positive experiences with service, highlighting a reliable and convenient banking... See more

Staff

Clients share positive opinions on staff, frequently praising helpful representatives for their professional,... 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

Shan from customer service help me a great big deal today. i have this technical problem with changing an email address which was use before on another account closed months ago. And that was my prima... 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

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


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

(8,358)

981 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 5 out of 5 stars

I have recently changed after 20 plus…

I have recently changed after 20 plus years with my previous bank. Thinkmoney make everything so easy to control, and you can always see what’s happening with your account

7 October 2026
thinkmoney logo

Reply from thinkmoney

Exactly what we aim for Sharon! 💙

Rated 5 out of 5 stars

Scam on my account

Had a payment for a lot of money show as pending on my account. I have never heard of the Company so chatted with John. He was amazing and has sorted everything out for me. Brilliant response.

7 October 2026
Unprompted review
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Reply from thinkmoney

We're so glad John could help resolve this for you Kathleen! 😊

Rated 5 out of 5 stars

I had a wonderful experience with ana…

I had a wonderful experience with ana today, she was absolutely helpful and maintained a positive and professional attitude.

6 October 2026
Unprompted review
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Reply from thinkmoney

We're delighted to hear about your experience with Ana, thanks for feeding back Gavin 😊

Rated 4 out of 5 stars

My card was used in a fraudulent act .

My card was used in a fraudulent act in a shop in the trafford centre,I contacted thinkmoney and reported it to a lovely man who went through every step from ordering a new card to closing/freezing my account.Grest customer service at its highest,regards Mike Maher.

6 October 2026
Unprompted review
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Reply from thinkmoney

We're sorry to hear this Michael but glad the appropriate steps were taken and you were supported with this! 💙

Rated 5 out of 5 stars

Today I have been helped by Normie…

Today I have been helped by Normie ,from the Philippines she has gone over and above in her duties
helping me in a complicated set of circumstances I find myself in. I should add I am 75 years old and most things
are difficult for me especially when dealing with an AI bank . I have never had anyone help me from think money like she has .Very patient allowing me to explain this complicated problem with estate agents. I want to add more because it was not just her patience but a true understanding of my situation, she kept assuring me that she can stay talking to me, and did not try and hurry me. after all her help and guidance , today I have managed to complete a new transaction and set up a new direct debit for my rent. A huge weight has been lifted , the agents to who the money is going were not only rude but uncaring . The old agents had no time to help sort this out. Please make sure Normie gets a promotion and pay rise that would please me so much.

5 October 2026
Unprompted review
thinkmoney logo

Reply from thinkmoney

Normie will be absolutely thrilled to read this Linda, thanks so much for the 5 stars and positive feedback ✨

Rated 2 out of 5 stars

Not to be trusted

Not to be trusted. Operated by capital one and when they're bored they mess with think money account. Capital one blocked my card after 3 happy months of never missing a balance and then they blocked my card without warning and used every excuse under the sun. Never been so happy to move cards

4 October 2026
Unprompted review
thinkmoney logo

Reply from thinkmoney

Hi Marc, we're sorry to hear about your experience with your credit card. As you've mentioned, it's operated by Capital One, which means unfortunately we have no access to those accounts or visibility of decisions made on them. We understand how frustrating a blocked card can be and we hope you are able to get the answers you're looking for from their team. - Ellie

Rated 5 out of 5 stars

I am using think money from last 1 year…

I am using think money from last 1 year very good service previously I am using lloyds its 💯 time better online bank very smooth Application and easy to use never had any problem 😀

25 December 2025
Unprompted review
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Reply from thinkmoney

Exactly what we love to hear Zohaib! 😊

Rated 1 out of 5 stars

Thinkomony bank

Hello, I want to let you know that Thinkmoney Bank has terrible service. I applied for a bank account, but received no notification as to whether it was opened or not. I discovered through the CIFAS register that Thinkmoney Bank had flagged me for fraud without even asking for any documentation. So, be careful with Thinkmoney Bank. Naturally, I will be informing my lawyer about this unlawful fraud registration with CIFAS, and we will be taking legal action. Thanks, Laiems Lords.

30 September 2026
Unprompted review
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Reply from thinkmoney

Morning Laiems,

I'm sorry to hear about your experience. We'd like the opportunity to investigate this further for you.

We've recently emailed you to request a copy of your CIFAS report, as this is needed for us to review the concerns you've raised, but have not yet received it.

Please reply to my email with the report when you're able and we'll be happy to look into this matter promptly for you.

-Ellie

Rated 4 out of 5 stars

Just joined

Just joined so I'm just getting used to it, had an issue with my pin but support as been brilliant so yes I'm looking forward to the service think money provides

30 September 2026
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Reply from thinkmoney

Love to hear this John, welcome to thinkmoney! 💙🩷

Rated 1 out of 5 stars

Shocking!!

Shocking!!! First time using my Think money account yesterday, first got charged for using my card and then charged for a transfer fee and still haven't received my money into my other bank account? This transfer is for my Rent payment aswell by the way and i have been waiting now for a day!! I contacted them bt live chat and now think money are saying it could be tomorrow now? What a complete FARCE!! I am so angry I will not be using this so called bank again

27 September 2026
Unprompted review
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Reply from thinkmoney

Hi Dassa,

I'm sorry to hear that you've been dissatisfied with your experience and appreciate how frustrating delays can be.

Faster Payments are typically received instantly. Although, in some circumstances they can take until close of business on the next working day to arrive. This can depend on a number of factors like the sending and receiving banks timescale.

If the payment doesn't arrive within the suggested timeframe, please do reach out to a support agent through our in-app chat feature to have this looked into. We value your feedback.

-Ellie

Rated 5 out of 5 stars

Shan from customer service help me a…

Shan from customer service help me a great big deal today. i have this technical problem with changing an email address which was use before on another account closed months ago. And that was my primary email i wanted to use again. I did not think of the solution she came up with but it was brilliant. i am very pleased and satisfied with the resolution and service. 👍👍

26 September 2026
Unprompted review
thinkmoney logo

Reply from thinkmoney

We're so pleased Shan could help resolve this for you. Thank you for recognising her great service Jasper! ✨

Rated 1 out of 5 stars

Absolute thieves!!

Absolute thieves!!! Whatever you do DO NOT open an account with them!! They are withholding my money and transferring money to recipients without my CONSENT and are not able to explain why or where the money has gone! There has been ZERO email communication from them and everytime I call I get told that someone from the specialist team will give me call but no one does! Think Money is a complete scam!!!

21 September 2026
Unprompted review
thinkmoney logo

Reply from thinkmoney

Hi Sherine,

I'm sorry to read about your experience and appreciate you bringing your concerns to our attention.

We take comments like this very seriously and would like the opportunity to investigate further. We've requested additional information as we're unable to locate your account from the details provided. Please get back to us with your details as soon as you're able to and a member of our team will review this matter with you.

-Ellie

Rated 1 out of 5 stars

Avoid thinkmoney – payments “cleared”, then account closed and funds locked

Do not use thinkmoney.
I sent payments on Tuesday with my own legitimate money. The money never arrived with the people I paid. thinkmoney told me the payments had cleared. After that they closed my account and cut off access to my funds. They did not tell me properly beforehand.
They now say they called me. I had no missed calls, no voicemail, nothing on my phone. That is not contact. That is an excuse after they had already locked me out.
This is my money. They said the payments had gone through. Then the account was shut, I could not get to the balance, and I was given a story about calls that never happened. That is deceit, not service.
If they can freeze or close an account and then claim they tried to reach you when they did not, you have no real control over your own money. I would not put another pound with them. Anyone who needs wages, bills or rent to land on time should go elsewhere.
1 star. Avoid.

19 September 2026
Unprompted review
thinkmoney logo

Reply from thinkmoney

Hi Mohammed,

I'm sorry to hear about your experience and appreciate you taking the time to share your feedback.

We understand how concerning it can be when payments and account access do not appear to progress as expected. If we're unable to reach someone initially, additional contact may be needed before we can progress matters further.

We'd like the opportunity to look into your concerns and help provide further support. Please contact our Customer Service team on 0161 779 5000 so we can discuss this with you directly and ensure any outstanding issues are resolved promptly.

-Ellie

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