Think money banking customer beware! We all might remember not being able to contact the company when the new app was introduced and the problems it caused but it was introduced for a reason - to protect Think Money. The app gives no payment references only basic descriptions on transactions and, despite TM being aware of sophisticated scammers out there specifically targeting TM bank users, the information from the app will justify them not refunding any unauthorized transactions, whereas you are always protected by credit card. If you are scammed it is likely TM will available themselves of all responsibility