thinkmoney Avis 

8 283
•
TrustScore 4.5 sur 5

4,4

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Noté 5 sur 5 étoiles

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... Voir plus

L'entreprise a répondu

Noté 5 sur 5 étoiles

My experience with thinkmoney has been excellent so far. Opening the account was straightforward, and I received my account details and virtual card quickly. I was able to add the card to Apple Pay,... Voir plus

L'entreprise a répondu

Noté 3 sur 5 étoiles

Previously would have given a 5 star but just having the worst experience at this present moment. Funds were returned to my account from a 3rd party 4th Sept, and I have been waiting ever since. They... Voir plus

L'entreprise a répondu

Noté 5 sur 5 étoiles

Whaaaat? Can't believe the negative reviews here! There's nothing inferior about the plastic used in the card!? I never had issues with customer service when I phone, and they have the in app chat now... Voir plus

L'entreprise a répondu

À propos de l'entreprise

  1. Banque

À propos de thinkmoney

Écrit par l'entreprise

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

Écrit par l'entreprise

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.

Coordonnées de contact

4,4

Excellent

TrustScore 4.5 sur 5

8 k avis

5 étoiles
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4,4

Tous les avis

(8 283)

936 avis reçus au cours des 12 derniers mois

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Noté 5 sur 5 étoiles

Great service and Helpful staff

I had a problem which was sorted for me in a professional, friendly and sympathetic manner by a
fellow called IMRAN. I am very grateful to him for his help. Great service.
Thank You.

25 août 2026
Avis spontané
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Réponse de thinkmoney

Thank you very much Bill, Imran will be delighted to hear this! 💙

Noté 1 sur 5 étoiles

Agenda today what a joke agenday worry…

Agenda today what a joke agenday worry and to me, my complaint, they quickly closed it down regular payments where I didn't do, they said it was gonna cancel, but they carry on pain every month. So I log a complaint 3 months later, they still pay them. And then on a weekend on Sunday, I went to use my card, went to use your online and they got to kind Got declined and now only yesterday. I renew one sure it didn't have no money, no food, nothing. I couldn't go out to get stuff because oh, my family lives 25 miles away at the end of the day, the service they give me they didn't even tell me what they were doing.\n Fortune I had a bit of fraud activity on my account but it didn't tell me I didn't notice until I used my card and you got a client so when I logged into my bank, they said my oh, my services is being stopped but I couldn't do nothing with a bank they didn't even pay. My pels do nothing were a jokey day. And they said, I'll have a responsible in 3 days of women complaints, and they haven't 4 days, haven't yout often? And that every time I'm emailing them, they said they get back to me as soon as possible. I changed. This is the worst bank ever. No mean I had walked by my mother's to get some food because I didn't have no money. They've forced in my bank account. No fork to my own, it was their fault. They didn't tell me they didn't text me. They want to be very ashamed of they have So I'm leaving tunes like another bank.I'm leaving him I changing day , I pegg , anybody do not go for them , they're a joke can I just add swimming else when I form customer surface and said, what's going on my account? What I don't really know that's for they said to me. I said, when will I have a new car? We can check me pay 1 out 65 minutes. I was on the phone. He wouldn't give me my complaint method's number. He said oh kept on putting me on note I couldn't understand him tody I attended day. I said why you text me, you will afraid activity. You couldn't answer me by my account. Go frozen and when I have a new car details at the end of the day, he couldn't do it. And I told them, I love the complaint, females go and Transactions is so going on and we had no money back off the refunding. I don't mean that apology of him. Oh, nothing. They're a joke. So in the end, when I was one of the phone I put the phone down on him, and I'm going to report them up to the financial services, because what they don't, to me was very, very wrong.\n I couldn't. I had to walk 25 miles to my mother's to get full dinner. Because they left me with nothing not in a bank card. I had a bank card but it wasn't no good. I had money in the bank. Couldn't get it out, couldn't do nothing. She always attended day.They scandalous , and I mean , scandalous bunk well, a genderity, all you join your twis? You may home because I spoke to the bank. This morning, I put the phone down attendes today. She couldn't tell me a reference number to my complaint. I said someone got to get back to me regarding my complaint. She didn't know nothing about it. In the end, I put the phone down, attend these days. The way you treated me as a bank. You want to be very ashamed yourself. So I am good nothing again. You K, this being about 2 weeks. And previous things are happened with payments and charges and are often funny. You haven't done nothing about it. 3 months ago I stopped a regular payment coming out on my bank account. Every month it's still taking money from my bank account. And I got promised you would help me and he won't happen again. You'll have a new bank card. 3 months later, it's still happening and you know, doing anything about it and what you've done to me Sundays, you didn't tell me what you've done with my bank. You didn't text me or nothing. Attending day, I only knew wild onto my bank account is when I tried to use my card. He got declient, and then when I looked on my app, that's for a new game, but you've gained doing nothing about it. And when iPhone you, he wasn't bothered at any day. You want to be shamed yourself. I had to walk quite a few miles away because I didn't have no money, no bus fair or nothing and you left me in luch attending you want to be very strange yourself again. I have no food, so I go to my mother's for food. Because I didn't have no pank car. Do nothing but never bother as a bank.

16 août 2026
Avis spontané
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Réponse de thinkmoney

Hi Ryan,

Thank you for taking the time to leave your review. I'm very sorry to hear about your experience and understand how frustrating this situation must've been.

I have attempted to contact you to discuss your concerns in more detail and investigate the issues you've raised, however I have been unable to reach you.

We'd still like the opportunity to look into this for you and provide any support we can. Please call us on 0161 779 5000, or connect with a support agent via live chat and a member of our team will be happy to review your account and discuss your concerns further.

-Ellie

Noté 5 sur 5 étoiles

Having recently been the victim of a…

Having recently been the victim of a fraud I have had the need to contact ThinkMoney several times in the past week via their online chat services and by telephone. My first three attempts two via phone and one via online chat had me extremely frustrated. Feeling I was not being listened to my questions simply going unanswered and being told someone would phone me back. I was simply feeling very deflated by the experience. Until my third call was answered by the wonderful and extremely helpful Imran Hussain. This is the second time I have had the pleasure of speaking with Imran. On the third call as I waited for my call to be answered I was not holding out much hope to a resolution. Then I heard the familiar voice of Imran. Immediately I felt reassured that my question would be answered. Within a few minutes Imran had answered the question nobody else could. What makes Imran Hussain from the Manchester Call Centre so different to most of his colleagues is he genuinely wants to help the customer, he makes it his mission to ensure you leave the call happy and feeling you have been listened to. Imran also remembered our previous call and took the time to ask about my family as we had discussed this in our previous call. Managers at Think Money you have a gem with Imran and I strongly feel he deserves recognition for his professionalism and caring attitude. Thank you Imran I hope if I need to contact Think Money again I have you answer my call

14 août 2026
Avis spontané
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Réponse de thinkmoney

Thank you so much for taking the time to share your experience. We're sorry to hear about the difficulties you faced following the fraud incident but we're delighted that Imran was able to provide the support and reassurance you needed! ✨

Noté 1 sur 5 étoiles

Terrible experience with Think money-

Terrible experience with Think money-
customer service agent named Coco was extremely unprofessional and rude uncalled for.:
Money was sent into my bank from a friend who makes regular monthly payments-
only £576 this time, which was held and for no reason given, my account was closed.
As if this wasn’t shocking enough, think money then sent £572 out of my account to an unknown TSB account after my account was closed , with the just the name TSB to go from, saying that it was being returned to the sender who sent £576. It was not sent back to the sender.
I have told them and they can see that the money which the account was sent from is completely different to the account they randomly selected and sent my money to. Now I am in dispute about where the funds went which only they can see but they say I should chase it up with a bank I have no connections with and they can clearly see it was there own error for sending a payment from my money to an account that I have never had any connection with . It’s weird and very frustrating as they they’re customer service agents keep you on hold hours , are stubborn rude and have failed to help.
I will be reporting this to the ombudsman.
PLEASE AVOID THINK MONEY,
Try monzo, suits me, Barclays, starling or one of the many other trusted UK banks.

13 août 2026
Avis spontané
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Réponse de thinkmoney

Hi Alexander,

Thank you for taking the time to share your feedback. We're sorry to hear that you're unhappy with your experience and that you feel let down by the service you received.

Unfortunately, we're unable to discuss specific details of your account or transactions here. However, we would recommend that you speak with the sender of the payment in question, as they will need to contact their bank directly to make further enquiries about the transaction and any potential recovery options that may be available.

We appreciate your feedback regarding our customer service and will ensure your comments are shared internally for review.

-Ellie

Noté 5 sur 5 étoiles

Recently I was the victim of a scam

Recently I was the victim of a scam. on contacting think money via the online chat service I was unimpressed. my faith completely gone in THINK MONEY. Today I felt I need to ring to speak to someone as I was concerned about my account security and the fact that they had actually accused my sister of the fraud meaning her bank account had been frozen. I rang with very little confidence that they would sort this out and contact the bank of the actual scammer. However the kindest and warmest man IMRAN for the MANCHESTER CALL OFFICE took my call. Imran listened to my concerns and was proactive in sorting out this issues. He raised the fraud with the correct account and spoke with the think money fraud team to have my sister bank contacted and informed she was in innocent party and there had been a mistake on think moneys end. I was bowled over at how quickly my issues were dealt with and that Imran took the time to apologise for mistake that he did not make. Imran took the time to ensure all my concerns had been listened to and advised me on the complaints process. Imran you are a credit to think money your professionalism, kindness and respect of think moneys customers is above and beyond. You could teach some of your colleagues a think or two about customer service.

7 août 2026
Avis spontané
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Réponse de thinkmoney

Morning Lindsey! Thank you so much for your kind words. We’re delighted to hear that Imran was able to support you and resolve your concerns. We’ll be sure to pass your lovely feedback on to him, he’ll be thrilled 💙

Noté 5 sur 5 étoiles

hi.ive only had the account a short…

hi.ive only had the account a short time. i enjoy using the app.its very easy to use .im looking forward to more interesting adventures in the future.

3 août 2026
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Réponse de thinkmoney

We love to hear this Rob!💙

Noté 1 sur 5 étoiles

gave me a unfair cifas marker

gave me a unfair cifas marker. waiting for them to reply to my lengthy email, considering going to financial obudsman i’d stay far away from this bank if you receive high volumes of transactions

2 août 2026
Avis spontané
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Réponse de thinkmoney

Hi Jakub, I'm sorry to hear that you're unhappy with your experience.

I've requested some additional information through Trustpilot so that we could get in touch and look into this properly for you. Unfortunately, as we've not heard back, I'm unable to look into this any further for you.

If you still need support with your CIFAS marker, please call one of our support agents on 0161 779 5000 or email us at info@thinkmoney.co.uk. We’ll be happy to assist you and investigate your concerns further.

-Ellie

Noté 5 sur 5 étoiles

Mark from customer services was a big…

Mark from customer services was a big help made me understand my account more easily he was kind and friendly and a pleasure to speak too

29 juillet 2026
Avis spontané
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Réponse de thinkmoney

Mark will be thrilled to read this, thank you so much Charlotte! 🤩

Noté 1 sur 5 étoiles

Disappointing start and poor support



I opened a ThinkMoney current account two days ago, and I have to admit the application process was excellent. It only took a few minutes, I entered my details, scanned my ID, and my account was opened quickly and easily.

Unfortunately, that’s where the positive experience ended.

I was unable to add my virtual debit card to Apple Wallet. After trying several times throughout the day, I contacted customer support via live chat. Christine was polite and suggested two methods: adding the card through the ThinkMoney app or manually through Apple Wallet. I tried both options, but neither worked.

When I went back to the chat, I expected someone to investigate the issue or escalate it. Instead, I was told that my first attempt had been recorded on 22 July at 8:34 a.m. and that I now had to wait one whole month before trying again.

I found that response completely unacceptable. I’ve just opened the account and already I’m being told to wait a month to use one of the most basic features that many people rely on every day.

I opened this account as a secondary bank account and was even happy to pay the monthly fee if it meant having a reliable service. Instead, this experience has completely put me off.

There are far better alternatives available. I’ve had much smoother experiences with Metro Bank and Revolut, and if you have a poor credit history, accounts like Monese or Pockit are also much easier to use. In my experience, they provide a much better customer experience.

I genuinely expected more from ThinkMoney. Sadly, based on my first impression, I cannot recommend this bank, and I certainly wouldn’t choose to bank with them again

23 juillet 2026
Avis spontané
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Réponse de thinkmoney

Hi Robert,

Thank you for taking the time to share your feedback. I'm pleased to hear that you found the account opening process straightforward, but I'm sorry that your experience afterwards did not meet your expectations.

I understand how frustrating it is when you're unable to add your card to Apple Pay, especially as a new customer. While many customers are able to use this feature, there are occasions where customers are not currently eligible to add their card to Apple Pay. In these cases, we recommend trying again at a later date, as eligibility may change over time.

I appreciate that this wasn't the outcome you were hoping for and we're sorry for the disappointment this has caused. Your feedback has been noted and I'll make sure this is shared with the relevant teams so we can continue to review and improve our customer experience.

-Ellie

Noté 5 sur 5 étoiles

Whaaaat

Whaaaat? Can't believe the negative reviews here! There's nothing inferior about the plastic used in the card!? I never had issues with customer service when I phone, and they have the in app chat now too which sorted my last query without needing to call. The new updates include being able to use Apple Pay ( result!), the in app chat and now the virtual card ( though this 60+ years lady might primarily stick with the physical one lol)! So thank you Think Money

22 juillet 2026
Avis spontané
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Réponse de thinkmoney

Thank you so much for your lovely words and 5 stars, we really appreciate it! 😊

Noté 1 sur 5 étoiles

they keep sending statements told them…

they keep sending statements told them repeatably to close account i do not have the app never used it the phone number is no longer in use i have a new number now they have sent me a virtual card to the account how stupid can these people be want to take further when i find out who to contact its totally ridiculous no money has ever been put in the account

14 juillet 2026
Avis spontané
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Réponse de thinkmoney

Hi Andrew,

We're sorry to hear this has been such a frustrating experience.

While an account remains open with us, we're required to keep you in the loop on any activity but appreciate that when an account has never really been used, that must feel unnecessary. Getting it closed is a quick process, we just need to go through a few steps with you. Please give our Customer Support team a call on 0161 779 5000 and we'll get this sorted.

-Ellie

Noté 1 sur 5 étoiles

Faulty/Inferior Plastic Bank Cards

HAve been with Think Money since CArd One shafted us and sold standard bank accounts to TM.

Think Money issue cheap, inferior, cheap plastic bank cards which fall apart and then expect customers to pay for a replacement ! Absolute con ! My card has barely been used in any cash machines or tills card machines, and its fraying away at the top of the card !

21 juillet 2026
Avis spontané
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Réponse de thinkmoney

Hi Peter,

I'm very sorry to hear about your recent experience. We understand how frustrating it can be if your card becomes damaged, particularly if you feel it hasn't had much use.

Replacement card fees of £4.95 apply to damaged cards and help cover the cost of producing and issuing a new physical card.

We also now offer virtual cards, which you can access through the thinkmoney app. A virtual card is a digital version of your payment card with its own card number, expiry date and security code, but without a physical plastic card. They can be used for online shopping and subscriptions, helping to keep your physical card details more secure. Please note, however, that you would still need your physical card to make cash withdrawals at ATMs.

If you'd like us to look into your concerns about your card or discuss your options further, please get in touch with our Customer Support Team through live chat and we'll be happy to help.

-Ellie

Noté 5 sur 5 étoiles

Very fast in answering the phone

Very fast in answering the phone. Very polite and very, very helpful in sorting out my problem. "Ana " was extremely knowledgeable and very professional. Answered my questions straight away. One very polite Lady. Thank you, Ana, for your valuable help.

21 juillet 2026
Avis spontané
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Réponse de thinkmoney

We absolutely love to hear this and Ana will be so pleased too! Thanks for feeding back Ned 😊

Noté 1 sur 5 étoiles

I transfered £31 from my natbeest…

I transfered £31 from my nat west Friday 17th July 26 & still not in my think money, there is no excuse for this , I'm not listening to security checks when its come from my account which I send to nat west regularly.

19 juillet 2026
Avis spontané
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Réponse de thinkmoney

Hi Reginald, thanks for reaching out, I'm sorry to hear about that. Faster Payments are usually received within minutes although, sometimes there can be slight delays depending on processing times between the sending and receiving banks. Because of this, we recommend allowing until the close of business on the following working day for the funds to arrive. - Ellie

Noté 5 sur 5 étoiles

I was put on a solar farm in Maryland…

I was put on a solar farm in Maryland 90 days ago. I am now receiving 10 percent off my electricity bill. Thank you so very much!

3 juillet 2026
Avis spontané
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Réponse de thinkmoney

Always happy to hear you're saving on your electricity bill, George! However, it does look like your review may have been intended for a different company, as we're not the ones behind that Maryland solar farm. Might be worth popping the review over to the right business so they get the credit they deserve!

Noté 1 sur 5 étoiles

Avoid at all costs !!!!!

Avoid at all costs !!!!!!

Think money do not carry out the relevant checks when a person opens an account and they also do not carry out a proper investigation when fraudulent activity occurs on an account.

Thanks to think money they have allowed a scammer who stole my identity - to open a think money account in my name - then when the account was used for fraud they put a very severe negative marker against my name with CIFAS rather than looking into it he possibility of identity theft.
If they had carried out the simplest checks with cifas either before opening the account or after it was used for fraud they would of seen that my identity has been stolen before and the scammers have tried to do this to me before.

This marker wrongly being put on my name has resulted in my banks closing my account and disassociating with me and leaving me with no access to my finances . due to the seriousness of the marker - I am unable to open any other accounts so have no access to my hard earned money. My employer will not pay my wages into an account that is not in my name so I left in a terrible situation.

I have spoken 5 times with their so called customer service and have just been told I am to wait for a response to the complaint and they have 8 weeks to do this.

I have still not heard anything back and I'm unable to even put food on my kids table

A disgraceful way to treat a person.

15 juillet 2026
Avis spontané
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Réponse de thinkmoney

Hi Katey,

Thanks so much for taking the time to share your feedback. We’re really sorry to hear about your experience and we understand how upsetting this must have been. We need a little bit more information so we can look into this properly for you, which we have requested, so if things haven't been resolved and you need us, please get in touch with us on 0161 779 5000 or via the in-app chat.

-Ellie

Noté 1 sur 5 étoiles

Can't honestly think why they put the…

Can't honestly think why they put the advert out, it demonstrates a customer who obviously has no common sense and is supposed to be funny, demonstrating women like this is never funny. I really think they need to review their marketing.

14 juillet 2026
Avis spontané
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Réponse de thinkmoney

Hi Helen,

Thank you for sharing your feedback with us.

We don't wish to offend anyone and we're sorry that our advert has come across this way. Please be assured that we take comments like this seriously and will pass your concerns on to our marketing team for review. If you'd like to discuss this further, please don't hesitate to get in touch with us directly through our in-app chat feature or at 0161 779 5000.

-Ellie

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