Basic bank accounts
Get the basic bank account with benefits from thinkbanking
Looking for a basic bank account that offers more? The thinkbanking account offers all the benefits you'd expect from a basic bank account with a High Street bank, plus a range of innovative features you're unlikely to find there.
The thinkbanking account is open to everyone - no credit check required. Even if you've got a bad credit rating, we'd love to get you on board.
If you're aged 18 or over and a UK resident then you can apply for a thinkbanking acccount today!
thinkbanking basic bank account features
Personal budgeting service from a real person
Don't you wish there was an easier way to budget? Well now there is. Every month, one of our Money Managers will assess your finances for you and put enough of your money aside for all the bills and other commitments you've informed us about. That way, you know you can spend the rest without missing anything important.
No hidden or unexpected charges
We promise we'll never charge for unauthorised overdrafts or bounced payments, for as long as you stay with us. All you'll ever pay is one monthly fee - nothing more.
It's £14.50 per month (plus a £25 one-off set-up fee) for single accounts, or £19.50 per month (plus a £30 set-up fee) for a joint account.
What's more, your thinkbanking account will prevent you from accidentally going overdrawn - your thinkbanking Debit card won't let you spend money you don't have in your account. And our personal budgeting service means you should always have enough for the essential expenses you've told us about.
Your own thinkbanking Debit MasterCard®
Some basic bank accounts don't come with debit cards - but the thinkbanking account does. You'll get your own thinkbanking Debit MasterCard that can be used for all the things you'd expect - paying for things in most shops and restaurants, making cash withdrawals from cashpoints and even shopping online.
Free, easy-to-use online banking
Our online banking service makes it easier to manage your finances. Check your balance, set up Direct Debits or change existing arrangements, and transfer money to other accounts with a few clicks of a mouse. You can even manage your account by text (SMS) or over the phone.
thinkbanking basic bank account FAQs
Does 'basic bank account' mean I won't get all the benefits of a regular thinkbanking account?
No - everyone benefits from the same great features with their thinkbanking account. You'll enjoy our budgeting service, your own Debit MasterCard®, full access to our Money Managers' advice and expertise and much more. Plus, if you're looking for a basic bank account with Direct Debits to pay your bills, you're in the right place.
How many different ways can I manage my account?
You can manage your thinkbanking account by phone, by text (SMS) or online. We'll show you just how easy it is in the Welcome Pack you'll receive after you apply.
Do you provide a cheque book?
No, the thinkbanking account doesn't come with a cheque book. However, we've made it easy to make payments in other ways - with your Debit MasterCard®, online, by Direct Debit or by standing order.