What is the official website of the payment service?
The official website of Thinkmoney is https://www.thinkmoney.co.uk
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
Customer support contacts can be found on the "Contact Us" page of the Thinkmoney website and through their help and support section.
What is the hotline phone number?
The main customer service phone number for Thinkmoney is 03444 812 812.
Is there a toll-free support number?
There is a toll-free number available for reporting lost or stolen cards: 0800 952 5267.
What is the email address for technical support?
Specific technical support email addresses are not publicly listed; customers should use the general contact channels for assistance.
Are there separate emails for different types of inquiries?
Typically, payment service providers have separate emails for different inquiries, but verified specific Thinkmoney emails for various departments are not publicly detailed.
Where can I find the online chat support?
There is no verified public information that Thinkmoney provides online chat support on their website.
Does the chat support work 24/7?
Since online chat support availability is not listed, 24/7 chat support is likely not provided.
Is there support through messengers (Telegram, WhatsApp)?
No verified information exists regarding Thinkmoney support through Telegram, WhatsApp, or other messaging apps.
What are the support working hours?
Detailed customer support working hours are not explicitly published; industry practice is usually 9am to 5pm or similar on business days.
Does support work on weekends and holidays?
Support availability on weekends and holidays for Thinkmoney is not specifically documented but is generally limited or unavailable on those days.
Are there regional offices for in-person visits?
Yes, Thinkmoney has physical offices where in-person visits may be possible.
Where are the physical offices located?
The registered office is Orange Tower, MediaCityUK, Salford Quays, United Kingdom, M50 2HF; also presence in Manchester and Oxford.
Can I schedule a personal meeting?
Personal meetings likely can be scheduled by contacting customer support or the office directly, though not formally advertised.
Are there representatives in different countries?
Thinkmoney primarily serves the UK market; no clear evidence of international representative offices.
In which languages is support available?
Support is primarily available in English.
How quickly does support respond to requests?
Based on user reviews, response times vary but can range from immediate on calls to several days for email.
Is there a priority system for VIP clients?
There is no publicly available information about a VIP client priority system at Thinkmoney.
Can I request a callback?
Callback services may be available as suggested by some customer interactions but no formal public process is listed.
When was the payment service founded?
Thinkmoney Limited was incorporated on 8 August 2005.
Who is the founder and owner of the service?
Specific founder details are not publicly listed; Thinkmoney Limited is owned privately.
In which country is the company registered?
The company is registered in the United Kingdom.
What is the development history of the payment service?
Thinkmoney started as THINK BANKING LIMITED in 2005, rebranded to Thinkmoney in 2012, evolving to provide personal accounts and payment services with app integration and partnerships.
Have there been major updates or rebranding?
Yes, the company changed from THINK BANKING LIMITED to THINK MONEY LIMITED in August 2012; app updates continue as of recent years.
Who sits on the company's board of directors?
Specific board members are not detailed publicly; company filings would have the official list.
Are there investors or partners in the service?
Thinkmoney partners include Capital One for credit card services; detailed investor information is not public.
Does the company participate in stock trading?
Thinkmoney Limited is a private limited company and does not participate in stock trading.
What is the company's market capitalization?
As a private company, Thinkmoney does not have a public market capitalization.
Are there subsidiary companies or branches?
Yes, related entities include THINKMONEY THINKLIFE LIMITED and other affiliated companies under the Think Money Group umbrella.
What licenses does the payment service have?
Thinkmoney Limited is authorized by the UK Financial Conduct Authority (FCA) as an e-money institution (FCA reference number 900033).
In which jurisdictions does the service operate officially?
Thinkmoney operates officially in the United Kingdom.
Are there licenses for cryptocurrency operations?
There is no verified public indication Thinkmoney holds cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, as a licensed FCA e-money institution, Thinkmoney complies with AML (anti-money laundering) and KYC (know-your-customer) requirements.
Are there security certificates (PCI DSS, etc.)?
Specific PCI DSS certification information is not publicly disclosed, but e-money institutions typically adhere to strict security standards.
Has the service undergone security audits?
While not publicly detailed, licensed payment services subject themselves to regular security audits as FCA requirements.
Is there insurance for client funds?
Thinkmoney safeguards client funds but does not offer FSCS deposit guarantee as it is not a bank.
Which international standards does it comply with?
It complies with relevant FCA regulations and e-money institution standards in the UK.
Have there been any regulatory fines or violations?
There are no public records of regulatory fines or violations against Thinkmoney.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, CompareBanks, and other UK financial service review platforms.
What are the main user complaints?
Common complaints include app usability issues, difficulty reaching phone support at times, and delays in payment processing.
What do users most often praise the service for?
Users praise friendly, professional customer support and the budgeting tools offered.
Are there issues with fund withdrawals?
Some users report occasional issues with withdrawal delays or related payment errors.
Is the interface convenient according to users?
Interface opinions are mixed; some find it helpful for budgeting while others criticize recent app changes.
Are clients satisfied with transaction speed?
Transaction speeds are generally satisfactory but with occasional exceptions noted.
Do users recommend this service?
Many users recommend Thinkmoney for bill management and budgeting, though some suggest caution due to app issues.
How do experts assess the service's reliability?
Experts note Thinkmoney as a niche payment service with regulated safeguards but limited banking functions.
Are there industry awards and recognitions?
There is no widely published record of industry awards or recognitions.
Does the service participate in payment system rankings?
Thinkmoney is not prominently featured in global payment system rankings.
Are there recommendations from financial regulators?
The FCA’s authorization and regulatory compliance indicate ongoing endorsement for operation.
What reputation does the service have among partners?
Thinkmoney has a reputation for reliable partnership with Capital One and integration in UK payment networks.
How do they evaluate solution innovation?
Thinkmoney is considered moderately innovative with digital budgeting tools and e-money account management.
Are there quality service certificates?
No specific quality service certificates are publicly listed.
Does the company participate in industry conferences?
No public evidence of frequent industry conference participation.
How does the service position itself in the market?
Positioned as a budgeting-focused e-money payment account with enforced bill payment prioritization helping customers manage finances.
Which fiat currencies does the service support?
The service supports the British Pound Sterling (GBP).
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported within Thinkmoney services.
Is there a proprietary cryptocurrency or token?
Thinkmoney does not have a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion services are not offered as in-platform features.
What exchange rates are used for conversion?
Not applicable due to lack of currency exchange features.
How often are exchange rates updated?
Not applicable.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic currency handling is not supported.
Are there currency restrictions in different countries?
Transactions are largely within GBP; geographic use is UK-focused, limiting currency conversions or multi-currency use.
What types of transfers does the service support?
Supports Faster Payments, BACS, CHAPS, and card payments for transfers.
Can transfers be made between service users?
Transfers between Thinkmoney users can be made using Faster Payments.
Are transfers to bank cards supported?
Card-to-card transfers are not publicly specified but card payments are supported.
Can money be transferred to bank accounts?
Yes, money can be transferred to bank accounts via Faster Payments and BACS.
Is bill payment available?
Yes, bill payment management with priority is a core feature of Thinkmoney accounts.
Are recurring payments supported?
Recurring payments can be set up through standing orders or direct debits.
Can automatic transfers be set up?
Automatic transfers and prioritization are supported to manage bills.
Is payment scheduling available?
Payment scheduling is available through the app for bills and transfers.
Are group payments supported?
No clear public information about group payment features.
Can payment links be created?
Payment link creation is not a listed feature.
What are the minimum transaction amounts in the service?
Minimum transaction amounts vary by payment method; industry standards usually start from £1 or the smallest currency unit.
What are the maximum amounts that can be transferred?
Maximum limits exist depending on account type and verification but specific limits are not publicly disclosed.
Are there daily limits on operations?
There are daily transaction limits but details are not publicly specified.
What monthly and annual limits are in effect?
Monthly and annual limits apply based on regulatory limits, but exact figures are not publicly shared.
Can limits be increased? How?
Limits may be increased following verification and customer request through support channels.
Do limits differ for verified users?
Verified users typically have higher transaction limits compared to unverified users.
Are there restrictions for new accounts?
New accounts usually have lower limits and restrictions until verification is completed.
Do special limits apply in different countries?
Limits apply primarily within UK jurisdiction; no international limits due to UK-only operations.
Can operations be temporarily blocked?
Accounts can be temporarily blocked for security or compliance reasons.
Are there limits on the number of daily operations?
Limits on daily transactions usually exist but specifics are not publicly detailed.
What are the minimum amounts for account funding?
Minimum deposit amounts depend on funding method, commonly £1 or local currency equivalent.
What methods of funding are supported?
Funding methods include salary payments, Faster Payments, cash payments at Post Office, and cheque deposits.
Are there fees for funding?
Generally, there are no fees for funding via salary or Faster Payments; cash deposit fees may apply at Post Office.
What are the minimum funding amounts?
Minimum funding thresholds exist but are typically low, aligned with standard banking practices.
How quickly are funds credited when funding?
Funds are usually available the same or next business day; cash and cheque deposits take longer.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, Faster Payments, BACS to bank accounts, or card payments.
Are there fees for fund withdrawal?
Fees may apply based on withdrawal method; many ATM withdrawals may be free within limits.
How long does withdrawal take?
Withdrawal times vary; ATM withdrawals are instant, bank transfers take 1-2 business days.
What withdrawal limits are set?
Withdrawal limits depend on account type and verification; specific limits are not publicly disclosed.
How quickly are funds credited when funding with a card?
Card funding is not a primary funding method for Thinkmoney accounts.
How long does a bank transfer take?
Bank transfers, depending on type, take from instant (Faster Payments) to two business days (BACS).
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported.
Are transfers between users instant?
Transfers between users via Faster Payments are typically instant or near instant.
Are there delays when funding on weekends?
Weekend funding may be delayed as most payment systems process on business days.
Do holidays affect funding speed?
Public holidays may delay processing of payments and funding.
Can crediting be accelerated for a fee?
No public information on express crediting for fees.
What determines the speed of funding processing?
Payment network rules, day/time of transaction, and method affect processing speed.
Are there notifications about funding status?
Customers receive notifications via app and text for funding status.
What to do if funding takes too long?
Contact customer support and verify payment details; escalation procedures exist for delays.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within same or next business day typically.
How long does card withdrawal take?
Card ATM withdrawals are instant if funds are available.
How quickly do bank transfers arrive?
Faster Payments arrive within hours or instant; BACS takes up to two business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals via bank transfers may be delayed on weekends.
Do holidays affect withdrawal speed?
Yes, withdrawals may be delayed on bank/public holidays.
Can withdrawal be accelerated for an additional fee?
No publicly available express withdrawal options.
What determines withdrawal processing time?
Time of request, payment method, and bank processing times determine speed.
Are there notifications about withdrawal status?
Notifications are provided typically via app or SMS.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on processing stage; once completed, cannot usually be reversed.
How to register with the payment service?
Registration is done online via the Thinkmoney website or app by providing personal details and accepting terms.
What data is needed to create an account?
Required data includes full name, address, date of birth, email, phone number, and identity documents for verification.
Can registration be done without email?
Email is typically required for registration as contact and login credential.
Is phone confirmation required during registration?
Phone verification is usually part of registration for security.
Are there age restrictions for registration?
Minimum age requirement is generally 18 years.
Can a corporate account be created?
Thinkmoney primarily offers personal accounts; corporate accounts are not standard.
Is it required to provide real data?
Yes, real and verifiable personal information is required for compliance.
Are there country restrictions for registration?
Registration is generally restricted to UK residents.
How long does account activation take?
Account activation typically takes a few hours to a couple of days depending on verification speed.
What verification levels exist?
Verification includes basic identity and address verification; higher verification may require more documentation.
What documents are required for basic verification?
Proof of identity (passport, driving license) and proof of address (utility bill, bank statement).
Are documents needed for full verification?
Yes, enhanced verification may require additional identity proof.
Are digital copies of documents accepted?
Yes, digital document uploads are standard.
How long does the verification procedure take?
Verification usually completes within 1-3 business days.
Can the service be used without verification?
Limited access is given but full functionality requires verification.
What restrictions apply to unverified users?
Unverified users have lower transaction limits and reduced service access.
Is address confirmation required?
Yes, address verification is required for regulatory compliance.
Is a selfie with documents required?
Selfie verification may be used as part of identity confirmation.
How often do documents need to be updated?
Documents may need periodic updates for ongoing KYC compliance, typically every 1-3 years.
What encryption technologies does the service use?
Industry standard SSL/TLS encryption is used for data transmission and storage.
Is two-factor authentication supported?
Two-factor authentication is supported for account security.
Are there SMS confirmations for operations?
SMS verification is used for sensitive operations.
Is biometric authentication supported?
Biometric authentication such as fingerprint or Face ID is supported on the app.
Is blockchain technology used?
Blockchain technology is not indicated as part of Thinkmoney services.
Is there a multi-level security system?
Yes, multi-layered security including 2FA, encryption, and biometrics is used.
How is user personal data protected?
Data is protected by encryption, secure servers, and compliance with UK GDPR privacy laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Yes, standard DDoS protection is included as part of their IT security.
Are regular security audits conducted?
Yes, regular security audits are conducted to maintain compliance.
What anti-phishing protection measures are provided?
Anti-phishing warnings and email authentication measures are implemented.
Is there a suspicious activity detection system?
Fraud detection and suspicious activity monitoring systems are in place.
How does the service combat money laundering?
AML procedures including transaction monitoring, KYC checks, and reporting suspicious activity.
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked or restricted as part of security policies.
What to do when fraud is detected?
Users should report fraud immediately to support; the company investigates and acts to secure accounts.
How to report suspicious activity?
Suspicious activity can be reported via customer service contact channels.
Is there compensation for damage from fraudsters?
Fraud compensation policies depend on investigation outcomes and regulatory guidelines.
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized transactions under FCA and UK consumer protection laws.
How to dispute account blocking?
Users may appeal blocked accounts through support escalation processes.
Is there insurance against cyber attacks?
No public information on specific cyber attack insurance.
What fees does the service charge for transfers?
Transfer fees vary; Faster Payments are often free, other transfers may incur standard fees.
Are there fees for account funding?
Account funding by salary or Faster Payments is generally free; cash deposits may have fees.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; some ATM withdrawals may be free within limits.
Are there fees for currency conversion?
No currency conversion fees as multi-currency exchanges are not supported.
Are there fees for account inactivity?
Inactivity fees are typically not charged.
Are there account maintenance fees?
Standard monthly fees may apply depending on account type.
Are fees charged for operation cancellation?
Cancellation fees are generally not charged but depend on timing and type.
Are there fees for expedited operations?
No known fees for expedited operation processing.
Are there hidden fees?
Thinkmoney aims for transparency, but customers should review terms to confirm.
How are fees calculated for large amounts?
Large transaction fees, if any, follow standard schedule; specifics are not publicly detailed.
Are there different tariff plans in the service?
Thinkmoney offers different account plans, including a Plus account with additional features for a monthly fee.
What advantages does VIP status provide?
No public VIP status offerings are specified.
How to get preferential conditions?
Preferential conditions are generally linked to account type or negotiated with customer service.
Are there free operations per month?
Some free operations may be included depending on account plan.
Are there discounts for active users?
No publicly detailed discount programs for active users.
Are there corporate tariffs?
Corporate tariffs and accounts are not standard.
Can individual conditions be obtained?
Custom pricing or conditions may be possible through customer service negotiation.
Do promotional codes work for fee reduction?
No public information about promotional codes.
Are there cashback programs?
Cashback programs are not prominently offered.
Are there discounts for transaction volumes?
Transaction volume discounts are not publicly indicated.
Is there an official mobile application?
Yes, Thinkmoney offers an official mobile app.
On which platforms is the application available?
The app is available on iOS and Android platforms.
What functions are available in the mobile application?
The app supports account management, budgeting tools, payment approvals, transaction notifications, and balance tracking.
Does functionality differ from the web version?
The mobile app is designed for on-the-go access but replicates most core web features.
Is Touch ID/Face ID supported?
Yes, biometric authentication like Touch ID and Face ID is supported in the mobile app.
Can the application work offline?
Limited offline functionality; most features require internet.
Are there push notifications about operations?
Yes, push notifications alert users to transactions and account activities.
Is dark theme supported?
Dark mode is not publicly confirmed.
How often is the mobile application updated?
The mobile app receives regular updates for security and feature improvements.
Are there beta versions of the application?
Public beta versions are not commonly offered.
Is the web interface of the service convenient?
The web interface is generally considered functional though some users report usability issues after recent updates.
Is responsive design supported?
The website supports responsive design for mobile and desktop devices.
In which languages is the interface available?
The interface is available in English.
Is there a night mode for the website?
Night/dark mode for the web interface is not publicly listed.
Are hotkeys supported?
Hotkey support is not detailed.
Can data be exported?
Exporting transaction data for personal use is typically supported in standard formats like CSV.
Is there an API for developers?
Thinkmoney does not publicly offer a developer API.
Is integration with other services supported?
Integration is limited; bank transfers and payment schemes supported but no broad third-party integrations.
How often is the web interface updated?
Regular updates occur to maintain security and add features.
Are there virtual cards in the service?
Virtual card issuance is not publicly confirmed.
Can disposable cards be created?
Disposable or temporary cards are not indicated as available.
Is multi-currency account functionality supported?
Multi-currency accounts are not supported; accounts are GBP-based.
Are there investment products?
Thinkmoney does not offer investment products.
Can interest be earned on balance?
The accounts typically do not pay interest.
Are there credit products?
Credit cards are offered through a partnership with Capital One under the thinkmoney brand.
Is P2P trading supported?
Peer-to-peer trading is not supported.
Can cryptocurrencies be bought/sold?
Cryptocurrency buying or selling is not supported.
Is there acquiring for business?
Merchant acquiring services are not provided.
Are mass payouts supported?
Mass payment or bulk payout capabilities are not available.
Is there a loyalty program in the service?
There is no public loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not generally offered.
Are there referral programs?
No widely known referral program.
What privileges do VIP clients have?
VIP privileges are not publicly detailed.
Are there seasonal promotions and offers?
Seasonal promotions are not publicly advertised.
Can premium status be obtained?
Premium status is linked to Plus accounts with fees.
Are there partner discounts?
No publicly known partner discount schemes.
Are there corporate loyalty programs?
Corporate loyalty programs are not available.
Does the service allow operations with online casinos?
Online casino transactions are generally restricted or flagged due to regulatory reasons.
Are there restrictions on gambling transactions?
Restrictions apply according to FCA and UK gambling regulations.
Can accounts be blocked for casino play?
Accounts may be blocked or flagged if used for prohibited gambling transactions.
How does the service view gambling?
Gambling transactions are monitored and controlled per compliance requirements.
Are there special conditions for gambling?
No favorable conditions for gambling transactions.
Are casino transactions tracked?
Yes, such transactions are tracked for compliance.
Can operations with gambling sites be hidden?
Transaction privacy is limited; regulated institutions monitor gambling-related spend.
Are there notifications about gambling expenses?
No direct gambling expense notifications reported.
Are there special fees for gambling operations?
No publicly disclosed special fees for gambling transactions.
Can limits be set on gambling?
Responsible spending limits may be available through account controls.
Is there a self-exclusion function?
No publicly detailed gambling self-exclusion via Thinkmoney.
Can access to gambling sites be restricted?
Such restrictions would depend on regulatory requirements or user controls.
Is gambling expense control supported?
Limited support; focus is more on budgeting and bill payments.
Are there notifications about limit exceedance?
Account alerts for spending limits may exist but are not gambling-specific.
Can operations with casinos be blocked?
Yes, suspicious casino-related operations can be blocked.
Is there gambling expense statistics?
Not specifically provided.
Is a "cooling-off period" supported?
No specific cooling-off period for gambling reported.
Can help be obtained for gambling addiction?
External referrals and links may be provided; no direct program.
Is there partnership with player assistance organizations?
No public partnerships listed.
How to set up gambling expense notifications?
No direct feature; users would rely on custom alerts or third-party apps.
Which online casinos accept this payment method?
No specific online casino acceptance lists are publicly confirmed.
Are there exclusive partnerships with specific casinos?
None known.
Do conditions differ when used in different casinos?
No data available.
Are there special bonuses for using this method in casinos?
None disclosed.
Can the method be used for both deposits and withdrawals in casinos?
Casino transaction support is generally limited or restricted.
Are there geographic restrictions for casino usage?
Restricted to UK regulatory limits.
How do casino operators typically process transactions from this method?
Casino operators process payments as regular card or bank transfers.
Are there typical processing times when used with casinos?
Processing times align with standard card or bank transfer timing.
Do casinos usually charge additional fees for this method?
Fees depend on casinos; Thinkmoney does not charge casino-specific fees.
Are there any known compatibility issues with major casino platforms?
None publicly reported.