Bad credit bank accounts.
Suits Me offers something different, a hassle-free alternative to a bank account for those with:
✅ Open an account in minutes
✅ Missed Payments
✅ Defaults
✅ CCJ’s
✅ Bankrupt
✅ IVA
Say hello to a fresh start in 3 minutes.
Suits Me offers something different, a hassle-free alternative to a bank account for those with:
✅ Open an account in minutes
✅ Missed Payments
✅ Defaults
✅ CCJ’s
✅ Bankrupt
✅ IVA
Say hello to a fresh start in 3 minutes.
Open your account todayBank Accounts for Bad Credit
We know how difficult it is to open a bank account with bad credit. We also know how important your credit score is. A bad credit score
can prevent you from:
• Renting a property
• Getting a credit card
• Getting a mobile phone contract
• Setting up Direct Debits
Struggling to open a new bank account because you have a bad credit score? You are in the right place.
Suits Me are an alternative to a mainstream bank
We make it really easy to apply, whatever your credit score or financial situation and reward our customers as standard.
Our accounts are designed to suit you. It’s all in the name. Easy to apply, easy to use and so many extras.
Many of our customers have improved their credit ratings with their Suits Me account* through better budgetting and separating their money into a different account.
*Suits Me accounts do not offer credit or debt and can help with budgeting and money management. This can in turn can improve credit ratings
Choose the right account for you
Essential
Best for occasional use
Pay as you go /month
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Essential is our pay as you go card. An instant account to give you flexibility and control when you need a separate account. Our customers who need an account to use now and again rather than as a main account choose Essential. Although there is no set monthly fee, individual charges are higher than the other account types. Overall monthly costs can be higher than our other account types if used as a main account or high volumes of payments.
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Essential is our pay as you go card. An instant account to give you flexibility and control when you need a separate account. Our customers who need an account to use now and again rather than as a main account choose Essential. Although there is no set monthly fee, individual charges are higher than the other account types. Overall monthly costs can be higher than our other account types if used as a main account or high volumes of payments.
Premium
Best for basic use
£4.97 /month
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Our Premium account is packed with extras. This account will let you do everything you need to manage your money whilst giving you cashback and discounts. Customers who need a basic and functional account for wages and benefits or have multiple payments into their account choose Premium.
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Our Premium account is packed with extras. This account will let you do everything you need to manage your money whilst giving you cashback and discounts. Customers who need a basic and functional account for wages and benefits or have multiple payments into their account choose Premium.
Premium Plus
Best for main account
£9.97 /month
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Our Premium Plus account is loaded with value plus you receive our VIP queue jump service. This account is a favourite with our customers with its inclusive package. The Premium Plus account is normally the cheapest option for those who want a fully functional bank account replacement as average usage is all included.
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Our Premium Plus account is loaded with value plus you receive our VIP queue jump service. This account is a favourite with our customers with its inclusive package. The Premium Plus account is normally the cheapest option for those who want a fully functional bank account replacement as average usage is all included.
We provide an account that works for you. We don’t conduct credit checks and we don’t ask for minimum deposits to unlock rewards.
We don’t offer overdrafts and add unauthorised fees.
If your circumstances change, we won’t charge to close your account.
Our customer service is first rate, we don’t use chatbots, we use real people who understand your needs.
Join the thousands of people changing their lives
Nesha’s story
Guko’s story
Awards
British Bank Awards
Best Current Account Provider 2022 Finalist
SME News
Most Innovative Banking Service 2023
British Bank Awards
Best Newcomer 2020 Highly Commended
How to open your account
You can open an account in just minutes. Suits Me are not a bank so can offer instant accounts those with poor credit.
Once your account is opened online, your sort code and account number will be sent to you immediately. A free contactless debit card will be sent via first class post.
1. Hit the button
2. Fill out the form
3. Download the App
Instant accounts whatever your situation
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Bad credit Bad credit can be a barrier to opening a bank account or accessing an account with rewards. Not with Suits Me. We support thousands of people who have bad credit and help them with an easy-to-use instant account. |
Bankrupt Dealing with debt is hard. If you have been made bankrupt, Suits Me can provide all the banking-like features you need. We make it easy to open an account and there is no risk of further debt. |
IVA If you are entering into or already in an IVA, it is best to open a new account. Suits Me provides fresh start accounts in minutes, getting you back on track with your finances. |
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Bad Credit We do not conduct credit checks when you open an account with Suits Me. As we do not offer credit, we do not need to make a mark on your credit file. |
Debt Management Plan Many of our customers use their Suits Me account to make payments into their Debt Management plan. It makes it much easier to budget and manage money. |
CCJ If you have a CCJ, no problem. We have helped many of our customers make a fresh start with a new Suits Me account to manage their finances. |
Benefits of a Suits Me account
Open an account in minutes
Our advanced technology allows us to open accounts in minutes online with the ID that YOU have.
Safe & secure
Your account safety, money and personal data is our highest priority. We ensure your identity, funds and personal information is safeguarded at all times.
Bad credit score
With no credit checks, your bad credit score doesn’t stop us opening you an account.
Send & receive payments
Receive and send money in the UK and abroad easily. Our Faster Payments are seriously fast and can all be done self serve via our app.
Exclusive discounts with top brands
Access our exclusive customer discounts with top brands when you have an account with Suits Me. New partners are added every week for you to enjoy.
Unlimited cashback
Save money when you use your Suits Me card with our partners, in store and online. Get unlimited cashback into your account with partners like Argos, Sainsbury’s ASDA, B&Q, Foot Locker, New Look and more.
No minimum balances
There are no minimum deposits or balances required to open a Suits Me account and enjoy all the benefits.
Standing orders & Direct debits
You can pay Direct Debits and set up Standing Orders from your account.
Cash top ups
You can add cash top ups at any PayPoint store.
ATM withdrawals
You can use your Suits Me card to withdraw cash at any ATM machine worldwide.
Easy to use mobile app
Our Mobile App allows you to manage your finances on the go. Instant notifications on spending and deposits to your account.
Free contactless debit card
Sent via first class post and often received the next day. Your contactless debit card allows you to use it anywhere you go. Just search for the contactless symbol.
International transfers
With our preferred partner, Remitly, you can easily make international payments and receive international transfers into your Suits Me account.
Wages & benefits
Provide your sort code and account number to your employer or benefits provider to have funds transferred directly into your Suits Me account.
Virtual customer service
Catering for all our customer needs, with 19 languages and multiple options for communication, from email and Live Chat to telephone and face-to-face video calls.
FAQs
Can you get a bank account with really bad credit?
If you have a bad credit score, it is unlikely you will be able to open a bank account with a mainstream bank. You can open a basic bank account online with limited features. That’s why Suits Me offer accounts with all the features you need plus rewards, irrespective of your credit score.
Can you get a bank account with a CCJ?
If you have a CCJ you may be able to open a basic bank account with limited features through a mainstream bank. Suits Me open personal accounts for thousands of people with CCJ’s.
What bank will let you open an account with bad credit?
All banks are supposed to offer basic accounts to those with bad credit. These accounts can be very limited. Suits Me offer much more than a basic account with rewards as standard.