Basic bank account - open to everyone
Don't let a poor credit history keep you from opening a bank account - apply for a basic bank account today.
- No credit checks
- No overdraft fees
- Open to everyone
- Easy opening process
- Expert help - from our Money Managers
Direct Debits, a safe place for your money, access to expert advice… there are so many reasons why everyone needs a bank account.
But often, the people who need an account the most are the ones whose credit rating prevents them from getting one on the high street.
That's one reason the idea of basic bank accounts was introduced - to give everyone access to the services which play such an important role in modern life.
At thinkbanking, we can offer you a basic bank account even if you've been turned down elsewhere. We don't need to carry out credit checks, so we can open your basic account as soon as you have returned your signed application form and we've confirmed your identity, even if you have a history of:
- County Court Judgments (CCJs)
- Bankruptcy
- Mortgage / rent arrears
- Poor credit rating
thinkbanking basic bank account features
But we offer a lot more than basic banking. Our basic bank account features a thinkbanking Debit MasterCard® you can use at most places wherever the MasterCard Acceptance Mark is displayed, whether you're withdrawing cash, paying for goods and services or getting cashback.
In fact, our basic bank accounts offer you all the features you'd expect from a bank account and more - including:
- Direct Debits and standing orders
- No charges for going overdrawn or fees for bounced payments
- Internet banking service
- Text messaging service
thinkbanking Money Managers - help on call
If you've ever been hit with bank charges, there's no doubt you'll appreciate having access to thinkbanking's Money Managers.
They'll help you manage your account so you should never miss a payment or go overdrawn again, giving you the peace of mind you deserve.
They're not 'just' there to organise Direct Debits & arrange standing orders, though.
They're there to help you get the most from our two-account system - making sure you don't accidentally spend the money you need for your essential bills (from mortgage/rent to utility bills, petrol money and food bills).
When you call you can talk to one of our Money Managers – our in-house team of experts who really want to get to know you and help you with your finances. No more talking to people you aren't familiar with. No more jumping through hoops to get the answers you need. Just experienced, UK-based, Money Managers - real people who know your financial situation, and know how to help you make the most of your money.
And that means no bank charges from us for bounced payments or unauthorised overdraft fees with your basic account.
Don't let your past undermine your future
If you've had financial difficulties in the past, there's all the more reason to get some help today.
At thinkbanking, we don't give you an anonymous service that penalises you for your financial problems. We give you a personal service, so we can work with you to prevent those problems happening in the first place.
Our business is based on the relationships we build with you - our customers. Together, we can work towards a better financial future.
Even if you've been declared bankrupt or entered an IVA (Individual Voluntary Arrangement), you could bank on us.
Join the thousands who have already done so and apply for your basic bank account with thinkbanking today.