I have read this post to date, I have read the ‘think banking’ entry on moneysupermarket’s basic banking site, I have read the ‘think banking’ website and couldn’t find who owns ‘think’ but noticed the Newcastle Building Society association, I Googled “think banking reviews”, “think banking forums”, and put the odd derogatory term into Google. All I found of interest (leaving aside ‘the cheaper…’ mentioned below) was a thread on moneysavingexpert. Overall there was nothing bad but a feeling from some that £12:50 per month for the service provided was expensive. For some that may be so, but for the many people who are laid low because they are bad managers of their money and habitually spend too much money without regard to their funds and are therefore obliged to seek out a basic bank account this account is, in my view, a wonderful opportunity to get real help. Here I whole heartedly agree with main thrust of ‘the cheaper the better’ if not his intemperate language and “...Suddenly the £12.50 seems like meer pocket change!!” is a killer remark.

Yet again you people are wrong!!!!!!!

How do they treat you like a parent? is it because you cant get your money from your account because you have lost your card?

I'd rather go throught their procedues than just let anyone take MY money !! they do this for a reason and its for YOUR benefit! OMG are you so god damn STUPID!!!!

 
You obviously are as to have these so called problems, well THEY are much better without you, thou i think they you guys are going you'll be back there in no time lol
 

ian you are totally right mate im with think banking and soon getting rid ov them i have another acc with nat west if any 1 is thinking proparley they will not do what i and others have done .they treat you like a parent when you need your money its like asking for there own and it is not it is your own money i will be glad when im out thanks jaydee07

I happen to have a think banking account and i have never had any trouble with the account or the staff. They are so helpful, kind and understanding, also they dont let you have too much money go oout of your account incase you cant afford it.

I have never been in a better financial position for years as i am now. It's NOT true that you don't have full control of your account, because you do! yes they take money from your wages to pay bills, but the money that is left is yours to spend as you wish. And as for the £12.50 fee per month, i'd rather pay that than the charges banks make you pay when a Dd gets returned or you go overdrawn ! I think the average amount is £35 for a return and about £25 for overdrawn?

Suddenly the £12.50 seems like meer pocket change!!

peter 

i have a think banking account and to be honest i warning anyone not to take up the account- the customer service is awful- you can never get to speak to anyone , i have been trying to get through now for three days and still havent managed it. they have cancelled my direct debits twice due to an error with there systems, and to top it all they charge you 12.50 a month to mess you about - i am in the process of opening another account - thou im dreading closing my think banking down due to their inability to do any thing correctly

so overall anyone who doesnt like to be messed about - dont get a think banking acount

john

Ian thanks for the advice - applied and got accepted for a Natwest account cos they can do it online...panic over!!

Lexi :) 

i applied for the yorkshire bank and i got my acct number and sort code on the same day my account was opened and they don't do a credit score but they do a credit search just to see if ya have any ccj's or thinks like fraud.

 ian

Thanks for that - just didn't want to go through the nonsense of being turned down for an account and wasting time...will have a look at the others.

Lexi

why would you want to pay a set up fee of £25.00 then a mothly fee of £12.50, and then you don't have total control of the account think money will only put money in that account from what you have left over after your dd's and bills payments have come out, but you do get a maestro card,

 but i don't see the point in paying for somthing you can have for free many basic accounts don't offer debit cards but the halifax offer a electron card and the natwest offer a solo card and the yorkshire bank offer a maestro card.

 don't pay the set up fee go to one of the banks above and have it for free.

 ian

Has anyone tried Think Banking?  I'm thinking of using them for a basic bank account.

Thanks, Lex