We're different to other bank accounts

If you thought all bank accounts were the same, think again. A thinkbanking account delivers three things: transparency, personal service and peace of mind.

Transparency. With no hidden fees, you'll always know exactly what you're paying per month. No nasty surprises, no sudden charges. Just a single fee per month - for a wide range of benefits.

Personal service. We're committed to delivering a personal service. It's why we make sure your essential costs are covered first. It's why we provide so many different ways to manage your current account, so you can bank the way you want to.

Peace of mind. With a new bank account from thinkbanking, you'll know you're taking care of your regular financial commitments. You'll know our experts are looking out for you, ready to warn you if they see any potential problems ahead. It's a very different kind of bank account. We're a very different kind of company.

Current accounts with no hidden charges

As a thinkbanking customer, you'll know exactly what you're paying every month. No hidden charges, no sudden surprises - just a single, straightforward fee that pays for all the benefits of a thinkbanking account.

Providing bank accounts costs money, and all banks need to cover their costs. But unlike some 'free' bank accounts that impose high penalty charges for every tiny oversight, we're completely open about our monthly management fee.

And you can really see what you're getting for your money. With us doing your budgeting and managing the payment of your bills, you won't need to worry about putting money aside for your essential costs or remembering to make the payments on time.

No charges from us for bouncing cheques, going overdrawn or making 'too many' transactions - and no damage to your credit rating either. Open a bank account with thinkbanking and you'll always know where you stand.

Internet banking - banking the way you want it

Why should you have to organise your finances during office hours? We're committed to providing 24/7 services that let you check your balances, arrange payments, view your statements and arrangements, order paying-in books and much more.

Our online bank account service gives you a quick, simple, safe way to manage your money the way you want, whenever you want.

But there's more to it than internet banking. We also provide an automated Express phone system and innovative SMS services that give you anytime, anywhere access to information about your balances and recent transactions - and even let you set up, change or cancel Direct Debits, all by text.

And if there's something you need to discuss (or you simply think there's no substitute for talking to real people) our Money Managers are there for you.

So much more than a basic bank account

If your credit rating isn't all it could be, you might be looking at basic bank accounts, or 'bank accounts for bad credit', as they're also known.

Like a basic bank account, the thinkbanking current account is open to everyone. As long as they're aged 18 or over, anyone who's a UK resident could open a bank account with us. Since there's no credit check required, bad credit simply isn't an issue.

Unlike basic bank accounts, there's nothing 'basic' about thinkbanking. Innovative budgeting services, expert Money Managers, internet banking, banking by text... all the features you'd expect from a first-class current account - and much more.

There's a lot of choice when it comes to current accounts. Make sure you make the right one.