“Can a UK e-money institution built on financial inclusion modernise its infrastructure and expand product depth (lending, credit card) to serve credit-impaired consumers at scale?”
Founded in 2003, thinkmoney built its identity around financial inclusion — offering a managed current account with a smart budgeting tool that ring-fences bill payments for customers who struggle with traditional banking. Operating as an FCA-authorised e-money institution rather than a chartered bank, it provides payment accounts, debit cards, and — via partnership with Lendable — personal loans. In 2024, a major infrastructure upgrade saw the company migrate its card and account platform to Edenred Payment Solutions, signalling a modernisation push while retaining its core mission of serving credit-impaired and financially excluded UK consumers.
thinkmoney discloses Edenred Payment Solutions as its banking provider, according to the Embedded Finance Index 2026.
thinkmoney does not disclose a bank charter of its own; its banking services are provided through Edenred Payment Solutions.
thinkmoney processes payments through Edenred Payment Solutions. Disclosed money-movement rails: Faster Payments.
thinkmoney's cards are issued through Edenred Payment Solutions.
thinkmoney connects to bank accounts through Yapily.
The Embedded Finance Index 2026 maps 6 layers in thinkmoney's stack: Payments / PSP (Edenred Payment Solutions); Money movement (Faster Payments); Banking / BaaS (Edenred Payment Solutions); Card issuing (Edenred Payment Solutions); Lending (thinkmoney Personal Loan (powered by Lendable)); Open banking (Yapily).
thinkmoney is founded in 2003 and headquartered in Orange Tower, MediaCityUK, Salford Quays, M50 2HF, UK.
Get a read on where your own stack stands against thinkmoney and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.