How to Open a Bank Account Without a Fixed Address (Even If You’re Homeless)

Need to open a bank account with no fixed address? If you’re experiencing homelessness, sofa surfing, are new to the country or staying in temporary accommodation, everyday things like setting up a bank account can feel impossible. But having access to a debit card with the ability to receive payments, pay for everyday items, and having a safe place for your money is essential.

In this guide, learn how to open a bank account without a permanent address, what alternatives you can use if you don’t have traditional documents, and how Suits Me can help.

Why Is It Hard to Open a Bank Account With No Address?

Most high street banks ask for proof of address to verify your identity and meet regulatory requirements. This usually means things like:

• Utility bills
• Council tax statements
• Rental agreements
• Bank or credit card statements
  

But what if you don’t have any of these? High street banks might turn you away.

That’s where Suits Me is different. We’ve designed our account specifically for people who may be excluded by traditional banks, including those without a permanent home address.

What You Can Use Instead of Proof of Address

If you’re between homes, new to the country, in temporary housing or don’t have the relevant documents yet, here are a few alternative documents that are accepted when applying for Suits Me account:

• Government, HMRC or NHS letters
  Includes Universal Credit statements, HMRC tax notifications, official NHS letters, and other letters from the government (excluding P45s and P60s).
• Financial documents
  Accepted documents include UK credit union or mortgage statements (from an EU/EEA bank with a UK address) and recent payslips showing your current address.
• Legal or official identification
  Includes court documents (e.g. grant of probate), prison or probation letters, and UK Armed Forces ID.
• Local authority or benefit-related ID
  Such as electoral register confirmation, Blue Badge parking permit, or bus pass with your name and address.
• Education-related letters
  Such as a UCAS form, student loan confirmation letter, or a letter from your university.
• Other acceptable letters
  Includes mail redirection confirmation from Royal Mail or similar services.

Can I Open a Suits Me Bank Account If I’m Homeless or Have No Address?

Yes. While we still need to verify your identity for security and compliance reasons, we offer more flexibility than most high street banking providers. If you’re in supported housing, living with friends or family, or using a care-of address, we’ll work with you to find a solution that works for your situation.

We understand that not everyone has a fixed home. We’ll never ask for a credit check, but we’ll always look for ways to support you.

What You Need to Open a Suits Me Account

To open your Suits Me account, you’ll need:

• A valid form of ID We accept various forms of identification including photo ID (passport, UK driving licence, national identity card) or alternative documents if you don’t have a photo ID.
• A UK-based delivery address This can be your current temporary address, a support centre address, or a care-of address (where someone can receive mail on your behalf).

If you’re unsure, our customer care team is happy to help talk you through what’s acceptable based on your situation.

What You’ll Get With a Suits Me Account

Even without a fixed address, your Suits Me account includes everything you need to manage your money confidently:

• A contactless Mastercard debit card.
• The ability to receive wages or benefit payments.
• Easy ATM withdrawals and card payments.
• A fully-featured app and online banking access.
• Instant cashback with our cashback partners.
• Friendly, multilingual UK-based customer support.

You can open your account online in minutes and receive your card by post at your chosen delivery address, so you can use your card as soon as possible.

Step-by-Step: How to Open a Suits Me Account Without Proof of Address

Here’s how to get started if you’re between homes:

1. Gather Your ID

Make sure you have a valid form of ID. We accept photo ID as well as alternative documents if you don’t have a photo ID. If you’re unsure what’s accepted, reach out to us – we’re happy to help.

2. Choose a Delivery Address

This doesn’t need to be a permanent address – just somewhere secure where you can safely receive your debit card.

This could be:

• A trusted friend or family member’s home
• A support centre or shelter address (if they allow mail)
• Your temporary accommodation

3. Apply Online

Our application process is quick, secure and designed to be as simple as possible. You can apply in minutes; no appointments, no paperwork, and no queues.

4. Activate and Use Your Card

Once your card arrives, you can start using it straight away to receive payments, pay bills, and take control of your money.

Suits Me Customer:

“I desperately needed a bank account but didn’t have proof of address. Suits Me helped me when no one else would. I can now make payments online, and it’s much easier to get my benefits.” Dean, Solihull

Real People. Real Support.

We’ve helped thousands of people open a bank account after being turned away elsewhere. Our support team understands that life doesn’t always go as planned. Whether you’re moving between homes, rebuilding your life, or starting fresh in the UK, we’re here to support you.

Need help getting started? You can contact us through live chat, email or phone. We’ll talk you through your options and help you get set up as quickly as possible.

Not having a fixed address shouldn’t mean being excluded from banking. At Suits Me, we’re here to remove the barriers and make managing your money fair, simple and accessible for everyone.

• No credit checks
• Flexible address options
• Fast, online sign-up
• Full banking features and support

Open your account with Suits Me today, or if you need help, contact our friendly team.

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