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  1. Home
  2. Improve credit score
  3. Online current account

The current account that can help improve your credit score

3 out of 4 customers improved their credit score*

Open account

thinkmoney are currently no longer accepting new customers for our current account until next year.

  • Guaranteed acceptance** - No credit checks to sign up.
  • Hassle-free budgeting - Money for bills is kept aside.
  • No nasty surprises - Say goodbye to hidden fees and charges.
Open account

thinkmoney are currently no longer accepting new customers for our current account until next year.

thinkmoney Online Current Account

thinkmoney are currently no longer accepting new customers for our current account until next year.

All for just £10.95 per month

thinkmoney is an E-Money Institution so your money is not protected by the Financial Services Compensation Scheme (FSCS). It is protected through safeguarding. Find out more

How can a current account improve your credit score?

Make sure your bills are paid on time, every time

It’s simple. The account is designed to set aside your money for bills, meaning you can’t spend it and they’re always paid on time. Everything leftover in the account is yours to enjoy. We know it works, three out of four thinkmoney customers** have already improved their credit score by opening an account.

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Stay in control of your overall finances

Building a track record of on-time, in-full bill payments will increase a poor credit score over time. This current account isn’t magic, but it is fuss-free and takes care of the important things for you - so you don’t have to worry about tracking due dates, going over your limit or extra charges.

*Based on a sample of customers who held an account for 12 months and previously had limited credit history or substantial credit use

Easy, everyday digital banking

  • You can register on your phone in minutes. Your identity is checked with a photo and screenshots through the app.
  • Pay in money. It’s easy to alter where your salary is paid, just update the bank details with your employer.
  • No monthly minimum. Can’t guarantee a certain amount each month? That’s fine, there’s no minimum monthly deposit amount.
Open account
ThinkMoney App

The thinkmoney current account is provided by Think Money Limited who are authorised and regulated by the Financial Conduct Authority. FRN 685963. Co Reg No. 05530040.

Google Play is a trademark of Google Inc. Apple, and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

*Based on a sample of customers who held an account for 12 months and previously had limited credit history or substantial credit use.
**All you need is to be aged 18 or over, live in the UK and pass our security checks.

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Ocean and Ocean Finance are trading styles of Intelligent Lending Limited © 2025. We’re a broker – not a lender. Registered in England and Wales. Registered Office: White Collar Factory, 1 Old Street Yard, London, EC1Y 2AS. Company Registration No. 4291279. Authorised and regulated by the Financial Conduct Authority (FCA registration number 310069). https://register.fca.org.uk/

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