Payday Payback Terms and Conditions

1. Key Definitions
For the purposes of these Terms and Conditions:
1.1 “Payday Payback” or “Competition” means the Suits Me Payday Payback promotion described in these Terms and Conditions.
1.2 “Competition Period” means the full six-month period from 9th November 2026 (from 00:00am) to 30th April 2027 (until 11:59:59pm).
1.3 “Monthly Draw Period” means each individual monthly period during the Competition Period in which customers can qualify for a monthly prize draw. The six Monthly Draw Periods are set out in Section 3.
1.4 “Qualifying Payment” means a genuine wage, salary/payroll or benefit payment received into a Suits Me account via BACS, or via Faster Payments where verified as eligible regular income by Suits Me, which meets the requirements in Section 4.
1.5 “Qualifying Customer” means a Suits Me customer who:
– is aged 18 or over; 
– holds an Essential, Premium or Premium Plus Suits Me account; 
– has received the required two consecutive Qualifying Payments via BACS, or has met Suits Me’s eligibility requirements for regular income received via Faster Payments; and
– is not otherwise excluded under these Terms and Conditions. 
1.6 “Consecutive Qualifying Payments” means two successive payments from the same regular wage, salary/payroll or qualifying benefit income arrangement, received in the customer’s normal payment cycle.
For example, where a customer is normally paid monthly, two consecutive monthly Qualifying Payments would satisfy this requirement. 

2. Who Can Take Part?
2.1 Payday Match is open to Suits Me customers aged 18 or over who hold an Essential, Premium or Premium Plus Suits Me account.
2.2 Essential, Premium and Premium Plus customers participate under the same Payday Payback qualification and entry rules.
2.3 You do not need to upgrade or change your Suits Me account to participate.
2.4 Upgrading from Essential to Premium or Premium Plus:
– does not make it easier to qualify; 
– does not provide an additional entry; and
– does not increase your chance of winning.
2.5 Essential is a pay-as-you-go account designed for secondary use. If you are considering having regular wages, salary or benefits paid into Suits Me, you should consider which Suits Me account best suits how you intend to use it. Premium and Premium Plus have different fees and included benefits, and increased use of an Essential account may result in additional transaction fees.
You can compare Suits Me account options and fees before deciding whether to change your account. Changing account type is not required to participate in Payday Payback.
2.6 By participating in Payday Payback, you confirm that you have read and agree to these Terms and Conditions.

3. Competition Period and Monthly Draws
3.1 Payday Payback will run for six months from 9th November 2026 (from 00:00am) to 30th April 2027 (until 11:59:59pm).
3.2 There will be six separate Monthly Draw Periods and one prize draw for each Monthly Draw Period.
Monthly Draw Periods 
Draw 1: 9th November 2026 (from 00:00am) to 30th November 2026 (until 11:59:59pm) 
Draw 2: 1st December 2026 (from 00:00am) to 31st December 2026 (until 11:59:59pm)
Draw 3: 1st January 2027 (from 00:00am) to 31st January 2027 (until 11:59:59pm) 
Draw 4: 1st February 2027 (from 00:00am) to 28th February 2027 (until 11:59:59pm)
Draw 5: 1st March 2027 (from 00:00am) to 31st March 2027 (until 11:59:59pm)
Draw 6: 1st April 2027 (from 00:00am) to 30th April 2027 (until 11:59:59pm)
3.3 Each monthly prize draw will take place within five (5) working days after the relevant Monthly Draw Period closes.
3.4 Only customers who satisfy the qualification requirements for the relevant Monthly Draw Period will be included in that month’s prize draw.
3.5 Qualification for one monthly draw does not give a customer additional entries into another monthly draw. Eligibility for each draw will be determined using these Terms and Conditions and the customer’s Qualifying Payment history.

4. What Is a Qualifying Payment?
4.1 A Qualifying Payment is a genuine:
– wage payment; 
– salary or payroll payment; or 
– Benefit Payment, 
received into your Suits Me account via BACS from a recognised employer, payroll provider or benefit payer, or via Faster Payments where Suits Me has verified an eligible pattern of regular income. 
4.2 There is no minimum Qualifying Payment amount for BACS payments. Faster Payments are subject to separate eligibility verification.
4.3 Payday Payback uses BACS payments because BACS payment information allows Suits Me to identify payments from recognised employers, payroll providers and benefit payers and distinguish these from other types of money paid into an account.
4.4 The BACS requirement is used to identify Qualifying Payments. It is not a minimum income requirement.
4.5 Faster Payments may qualify where Suits Me can verify that they represent genuine, regular income. Eligibility will be determined using Suits Me’s internal verification processes.

5. What Payments Do Not Qualify?
5.1 The following do not count as Qualifying Payments:
– Transfers between your own accounts;
– payments from friends or family; 
– cash loads; 
– refunds; 
– card payments; 
– internal transfers; 
– reversed or recalled payments; 
– payments that cannot be identified by Suits Me as coming from a recognised employer, payroll provider or qualifying benefit payer; 
– benefit payments that do not meet the Qualifying Benefit Payment definition; and 
– payments which Suits Me reasonably determines have been artificially arranged or manipulated for the purpose of qualifying for Payday Payback. 
5.2 A payment must have been successfully received into your Suits Me account and satisfy the definition of a Qualifying Payment to count towards Payday Payback.
5.3 Suits Me’s payment and account records will be used to determine whether a payment satisfies the Qualifying Payment requirements.

6. How Do I Qualify?
Customers Who Do Not Already Receive Qualifying Payments 
6.1 If you have not already satisfied the qualification requirement before Payday Payback begins, you must receive two Consecutive Qualifying Payments into your Suits Me account.
6.2 You will qualify once the second Consecutive Qualifying Payment has been successfully received and identified as a Qualifying Payment.
6.3 You will then be automatically entered into the applicable monthly prize draw. You do not need to register separately.
Example 
If you are paid monthly and receive your first Qualifying Payment in October and your second consecutive Qualifying Payment in November, you will qualify once the November payment has been successfully received and identified as a Qualifying Payment.

Customers Who Already Receive Qualifying Payments 
6.4 You do not need to start the two-payment qualification period again if you already receive Qualifying Payments into your Suits Me account.
6.5 Suits Me will review your existing payment history.
6.6 If your payment history shows that you have already received at least two Consecutive Qualifying Payments, you will be treated as having satisfied the two-payment qualification requirement.
6.7 This applies equally to customers with Essential, Premium and Premium Plus accounts.
6.8 Customers receiving income via Faster Payments may qualify where Suits Me can verify an established pattern of genuine, regular income using its internal verification processes. Existing payment history may be considered when determining eligibility.

7. Monthly Entry
7.1 A Qualifying Customer will receive one (1) entry into the applicable monthly prize draw.
7.2 Each customer can receive a maximum of one entry per Monthly Draw Period.
7.3 Receiving multiple Qualifying Payments during the same Monthly Draw Period does not provide additional entries.
7.4 There is no advantage in splitting, increasing or arranging additional Qualifying Payments.
7.5 Entry is automatic once the requirements of these Terms and Conditions have been satisfied.
7.6 No separate entry form or registration is required.
7.7 If you do not wish to participate in Payday Payback, you can opt out by emailing competitions@suitsmecard.com before the closing date of the relevant Monthly Draw Period.

8. Preventing Misuse
8.1 Payday Payback is intended to reward customers who genuinely receive their wages, salary/payroll or Qualifying Benefit Payments into their Suits Me account.
8.2 Suits Me may review an entry where there is reasonable evidence that a payment or series of payments has been deliberately arranged, split, manipulated or otherwise created for the purpose of obtaining entry into Payday Match.
8.3 Suits Me may exclude an entry where it reasonably determines that:
– the payment does not represent genuine wages, salary/payroll or a Qualifying Benefit Payment; 
– the payment source has been deliberately misrepresented; 
– payments have been artificially arranged or manipulated to obtain entry; or 
– the customer otherwise does not satisfy these Terms and Conditions. 
8.4 Receiving additional Qualifying Payments does not generate additional entries.
8.5 Once a genuine Qualifying Payment has been received, you are free to use your money as normal.
You are not required to: 
– keep the Qualifying Payment in your Suits Me account; 
– maintain a minimum balance; 
– spend a particular amount using your Suits Me card; 
– make a minimum number of transactions; or 
– retain a particular proportion of your wages, salary or benefits in your account. 
Normal use of your money, including paying bills, rent, Direct Debits, transferring money or making everyday purchases, will not by itself affect your qualification. 

9. Monthly Prizes
9.1 Each Monthly Draw Period will have:
–  one (1) winner; and 
– one (1) runner-up. 
9.2 The winner will receive a prize equal to the value of their first Qualifying Payment received during the relevant Monthly Draw Period, up to a maximum of £2,500.
9.3 If the winner’s first Qualifying Payment was less than £2,500, their prize will equal the value of that payment.
For example, if the winner’s first Qualifying Payment was £1,400, their Payday Match prize will be £1,400. 
9.4 If the winner’s first Qualifying Payment was £2,500 or more, their prize will be capped at £2,500.
9.5 The runner-up will receive a fixed prize of £500.
9.6 The runner-up prize does not depend on the value of the runner-up’s Qualifying Payment.
9.7 The maximum total prize value available in each monthly draw is £3,000.
9.8 Prizes will be credited directly to the winner’s or runner-up’s Suits Me account within 30 days of the winner or runner-up being confirmed.
9.9 Prizes are non-transferable.

10. Winner and Runner-Up Selection
10.1 Following the closing date for each Monthly Draw Period, Suits Me will identify all customers who have qualified for that month’s draw.
10.2 Invalid or duplicate entries will be removed before the draw takes place.
10.3 One winner and one runner-up will then be selected at random from all valid entries for that Monthly Draw Period.
10.4 The selection will be made using a verifiably random computer process or another random selection process that complies with applicable promotional requirements.
10.5 Each valid entry has an equal chance of being selected.
10.6 A customer’s Essential, Premium or Premium Plus account type has no effect on the selection process.
10.7 A customer who has won either the Payday Match main prize or runner-up prize will not be eligible to win another Payday Match prize for 12 months from the date of their win.
10.8 If a customer who is subject to the 12-month restriction is selected, their entry will be disregarded and another valid entry will be selected at random.

11. Winner and Runner-Up Notification
11.1 Suits Me will endeavour to contact the winner and runner-up by telephone and/or email within seven (7) days of the relevant draw.
11.2 Suits Me may carry out reasonable checks to confirm that the selected customer and their Qualifying Payments meet these Terms and Conditions before confirming the prize.
11.3 If a selected winner or runner-up does not satisfy these Terms and Conditions, their selection will be void and another customer will be selected at random from the remaining valid entries.
11.4 If Suits Me cannot contact a winner or runner-up within 14 days of the first contact attempt, Suits Me reserves the right to select an alternative winner or runner-up from the remaining valid entries.

12. Winners and Publicity 
12.1 Winners and runners-up may be invited to participate in reasonable publicity relating to Payday Match.
This may include photographs, social media content or testimonial material.
12.2 Participation in publicity is entirely voluntary and will only take place with the customer’s explicit consent.
12.3 Refusing to participate in publicity will not affect a customer’s entitlement to their prize.
12.4 When contacting a winner or runner-up, Suits Me may ask for their permission to record their reaction to winning.
12.5 With their consent, Suits Me may use the recording on its social media channels, website or other promotional materials.
12.6 Suits Me will tell the winner or runner-up before any recording takes place and will only record or publish their reaction with their permission.

13. General
13.1 Suits Me reserves the right to verify that a customer and their Qualifying Payments satisfy these Terms and Conditions before confirming an entry or awarding a prize.
13.2 Suits Me’s payment and account records will be used to determine whether the qualification requirements have been met.
13.3 Suits Me reserves the right to amend, suspend or withdraw Payday Payback where it becomes reasonably necessary to do so, subject to applicable law and regulatory requirements.
13.4 Suits Me will not be responsible for technical failures, payment-processing delays or interruptions outside its reasonable control which affect participation.
13.5 Where a Qualifying Payment is delayed, returned or recalled, Suits Me may take the payment’s processing status and the date it was successfully received into account when determining qualification.
13.6 Nothing in these Terms and Conditions affects your statutory rights.
13.7 If any provision of these Terms and Conditions is found to be invalid, illegal or unenforceable, the remaining provisions will continue in full force and effect.
13.8 These Terms and Conditions are governed by English law and disputes will be subject to the jurisdiction of the courts of England and Wales.
13.9 These Payday Payback Terms and Conditions apply in addition to the terms and conditions applicable to your Suits Me account.