Opening a bank account when you’ve faced financial struggles can feel intimidating or even impossible. But here’s the good news, you have options. Missed payments or bankruptcy can damage your credit score, but that doesn’t mean you’re shut out of banking altogether. Traditional banks often have strict criteria, but Suits Me is designed for people who’ve struggled to access banking services.
What Is a Basic Bank Account?
Basic bank accounts and “no-credit-check” accounts are designed for people who might not qualify for standard current accounts because of past financial difficulties. These are typically offered by high street banks in limited cases and often come with fewer features than regular accounts. They’re useful if you need to:
- Receive payments like wages, benefits and pension
- Pay for things like bills and purchases
- Use a debit card to take out cash
- Make transfers to friends and family
- Manage your account using mobile and online banking
They usually don’t offer overdrafts to reduce the risk of getting into debt. Plus, there’s no interest or charges like other current accounts.
Unlike many basic accounts, Suits Me is designed to offer as many essential features as possible to make everyday banking easier and more accessible.
For more on how basic bank accounts work, visit the MoneyHelper guide.
Do You Need a Credit Check to Open a Bank Account?
No – you don’t need to pass a credit check to get a basic account with Suits Me. Not even a “soft search” credit check.
Suits Me Personal Banking Account
We know life doesn’t always go to plan. That’s why we created an account that welcomes you without judgment or unnecessary barriers – a banking service built around financial inclusion so you can better manage your money.
Here’s what you’ll get when you join Suits Me:
- A fast, hassle-free account set up all online with absolutely no paperwork.
- No credit checks – we focus on your needs today, not your past.
- A free contactless Mastercard® debit card so you can shop, pay, and withdraw with ease.
Whether you’re dealing with CCJs or have been previously bankrupt, our account can help you get back on track with life’s everyday purchases, withdrawals and transfers. And quickly too – a contactless debit card will be sent immediately via first-class post. Plus, you get unlimited instant cashback (for Premium and Premium+ accounts) and discounts when you use your card with our partner retailers.
It’s easy to get started. Open your account today.
Steps to Open a Bank Account with Bad Credit
- Gather your ID and Documents
You usually need to prove your identity and address with a passport, driving licence and utility bill, so nothing too complicated. Even without these documents, you can open an account with Suits Me.
- Research Suitable Accounts
Look for alternative banking providers that offer basic accounts or services tailored for those with poor credit. Suits Me is designed for people with bad credit, people who don’t have the documentation required to open a mainstream bank account, or for those who are new to the UK. Find out how we protect your money on our security page.
- Apply Online
Enter your details to apply for a new account. We offer online applications in minutes, making it easy to get on top of your finances.
- Manage Your Account Responsibly
Use your account to receive income, pay bills on time, plus avoid overdrafts and their fees. We’re all about building stronger money habits for the future.
Tips For Managing Your Money
Getting a bank account is a great first step to staying on top of your money today, and by improving your credit score, you can open even more opportunities in the future. Taking small, consistent steps can make a big difference to your financial health over time. Here are a few tips to help you get started:
Timely Payments
Stay on top of bills by setting up direct debits and standing orders to ensure you’re paying on time for things like rent.
Check Your Balance Often
It’s worth getting into a good habit of checking you have enough money to cover your payments and spending to avoid being charged.
Monitor Your Credit Report
Regularly check your report and take action to improve your credit score, such as paying on time and making sure you’re on the voter’s electoral roll.
Limit New Credit Applications
Too many credit applications can negatively affect your credit score.
We’re here to make banking simple, fair, and accessible – no credit checks, no judgement. Just the tools you need to take charge of your financial future. Let’s get you set up today and join thousands already banking securely with us.
FAQs
Will a personal bank account improve my credit score?
No – opening a personal bank account won’t directly boost your score, as these accounts typically don’t report to credit reference agencies. However, using the account responsibly by setting up regular payments and managing direct debits can help strengthen your financial habits and improve your credit history.
Can I get an overdraft with bad credit?
Probably not – personal accounts generally don’t include overdrafts to help you stay in control, plus avoid extra debt and fees. Focus first on rebuilding your financial stability.
What documents do I need to apply for a banking account?
To open a personal banking account, you’ll usually need proof of identity (such as a passport or driving licence) and proof of address (like a recent utility bill or bank statement), however if you don’t have this information, you can still apply for a Suits Me banking account.
