I joined Think Money in December 2013.
So far, I'm reasonable happy with the service. However, there have been a few things that have aggravated me..
1. Not able to check my account balance at ATM's - even if I use an RBS machine. If I then attempt to withdraw more money that I have in my account, the machine just spits out my card saying "insufficient funds". I then have to reinsert my card and 'guess' my available funds. Why can't I check my balance?
2. No banking app - In situations like the above, if I need to establish the exact amount of my available funds, I have to call Think Money for a balance.
3. On the weekend before Christmas, my debit card was frozen due to 'high usage'. Being the 21st December, is it not normal for high usage on a card? I immediately called Think Money and was told that my card would be active the next day. This simply wasn't good enough. As I was verified, my card shoyuld have been reactivated immediately! - I guess this is one of the downfalls of someone else owning your account.
To summarise, the service is ok and serves a purpose,however, having expressed my points above, I now know for sure that the account is not my own, and will be opening an alternative account. I'll just have to learn to manage my own money.