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Financial Services & BankingCustomer Stories

ThinkMoney

Helping SmartPlus customers make everyday spending go further with instant digital gift card savings through PlusSave.

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About ThinkMoney

Making money management easier and more rewarding

ThinkMoney has helped people across the UK manage their money for more than 20 years. Its current accounts are designed to simplify budgeting, build financial resilience and give customers greater control over their finances. Today, ThinkMoney supports more than 100,000 customers and has ambitious plans for continued growth.

Challenge:
ThinkMoney wanted to introduce a meaningful, scalable SmartPlus benefit that could support customer acquisition, engagement and retention.
Solution:
ThinkMoney integrated with Tillo’s API to launch PlusSave, an in-app marketplace offering discounted digital gift cards from hundreds of UK brands.
Result:
SmartPlus customers can now access personalized savings of 4%–30%, turning their account into a more valuable everyday money-management tool.
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Adding more value to everyday banking

ThinkMoney wanted to make its SmartPlus account more rewarding by introducing a built-in benefit that customers could use in everyday life. The opportunity was to offer tangible and immediate savings that encouraged account usage, supported acquisition and retention, and could be tailored to reflect how individual customers shop.

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The Solution

Everyday savings, built into SmartPlus

Through a direct integration with Tillo’s API, ThinkMoney launched PlusSave: an in-app marketplace where SmartPlus customers can purchase discounted digital gift cards from hundreds of leading UK brands. Discounts range from 4%–30% across everyday shopping, gifts, travel and larger purchases.

Customers select a retailer, pay directly from their ThinkMoney account and receive a full-value digital gift card with the discount applied at checkout. Spending insights can also help ThinkMoney prioritize relevant brands and tailor promotions around individual customer preferences.

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Turning everyday spending into everyday savings

PlusSave appears directly on the ThinkMoney app home screen, inviting customers to explore available discounts as soon as they log in. With just a few taps, they can select a brand, load funds from their account and access their digital gift card within the PlusSave Wallet.

The experience keeps savings visible, immediate and easy to use across supermarkets, high-street favorites and online retailers. With Tillo powering the infrastructure behind the scenes, ThinkMoney can give SmartPlus customers greater everyday value while building stronger engagement and loyalty.

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Partnership Impact

What ThinkMoney and Tillo achieved together

By combining ThinkMoney’s customer-focused banking experience with Tillo’s API and extensive UK brand network, PlusSave gives SmartPlus customers a simple way to unlock immediate value from their everyday spending.

4-30% savings

Instant discounts across everyday essentials, gifts, travel and larger purchases.

Hundreds of UK brands

Broad choice across supermarkets, high-street favorites and online retailers.

Fully embedded experience

Customers browse, buy and manage digital gift cards within the ThinkMoney app.

More relevant offers

Spending insights help prioritize brands and tailor promotions to customer preferences.

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