
ThinkMoney
Rewarding SmartPlus Customers with Everyday Savings
Read time 5 mins

About ThinkMoney
ThinkMoney has been helping people in the UK manage their money for over 20 years, offering current accounts designed to build financial resilience and simplify budgeting. With more than 100,000 customers and ambitious growth plans, ThinkMoney focuses on making money management easier and more rewarding.
Industry
Financial Services / Banking
Market
UK


Challenge
Add meaningful, scalable perks to SmartPlus to boost growth and retention.

Solution
Integrated Tillo’s API to launch PlusSave, offering instant discounts on digital gift cards from hundreds of UK brands.

Result
Delivered an in-app savings hub that delights customers with 4%–30% discounts and drives higher engagement.
Adding tangible everyday benefits to the ThinkMoney experience
ThinkMoney wanted to add tangible everyday value to its SmartPlus account to drive growth and retention. The goal was a built-in perk that encouraged account usage, delivered real savings, and could be tailored to customer shopping habits.
An API integration to leading gift card brands
ThinkMoney integrated directly with Tillo’s API to power PlusSave, an in-app marketplace where SmartPlus users buy discounted digital gift cards from hundreds of leading retailers.
Key features include:
- Instant savings of 4%–30% on everyday shopping and larger purchases like gifts and holidays
- Seamless purchase journey: select a retailer, pay from the ThinkMoney account, and receive the full-value card with the discount applied at checkout
- Personalized offers informed by customer spending insights, ensuring the most relevant brands appear first

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Turning SmartPlus into more than a current account
The PlusSave launch has turned SmartPlus into more than just a current account - it’s now a money-saving hub.
Customers enjoy frictionless access to discounted gift cards from supermarkets, high-street favorites, and online retailers, while ThinkMoney gains a scalable way to increase engagement and grow its customer base.
Highlights:
- 100s of UK brands instantly available through the ThinkMoney app
- Discounts are applied at purchase, giving customers immediate value and visible savings
- Ability to tailor promotions to match real customer spending behavior
Driving everyday value through digital rewards
PlusSave appears on the ThinkMoney app home screen, inviting customers to browse discounts the moment they log in. With one tap, users can choose a brand, load funds straight from their account, and start shopping - all while keeping their savings front and center in their PlusSave Wallet.
This seamless experience, powered by Tillo’s API, helps ThinkMoney turn everyday spending into everyday savings, strengthening customer loyalty and setting the stage for future growth.

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