Second Chance Bank Account
If you have been rejected by a bank account, you still have options. Suits Me offer a Second Chance account, built for people who have been refused by a mainstream bank:
✅No credit checks
✅No lengthy approval process
✅No CIFAS marker check
✅Apply for an account in 3 minutes
✅Get a UK account number & sort code once verified*
*subject to AML regulatory requirements
If you have been rejected by a bank account, you still have options. Suits Me offer a Second Chance account, built for people who have been refused by a mainstream bank:
✅No credit checks
✅No lengthy approval process
✅No CIFAS marker check
✅Apply for an account in 3 minutes
✅Get a UK account number & sort code once verified*
*subject to AML regulatory requirements
Open your accountThousands of people
trust Suits Me
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The best personal account to have. The app is great, and the team is always there when you need them, 24/7. Any issues are sorted in seconds. I highly recommend Suits Me!
Julia, Suits Me customer
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This was my last chance, and I’m so glad I found Suits Me. It’s been a lifesaver. There are some fees, but they’re reasonable and the account is worth it.
Michael Emm, Suits Me customer
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I’ve been struggling to get work without a personal account and suits me have gave me a chance they have been brilliant so far thanks.
Nathan Noon, Suits Me customer
Why get a second chance account?
A second chance account has more flexibility than most traditional bank accounts. Here are the key differences:
| Feature | Suits Me Second Chance Account | Traditional Bank Account |
|---|---|---|
| Credit check required | No | Usually yes |
| Application time | Minutes | Lengthier process with checks |
| CIFAS checks required | No | Often yes |
| Offers alternative ID | Yes | Sometimes |
| Affected by past account closures | No | Often yes |
| Receive wages / benefits | Yes | Yes |
| Direct debits and standing orders | Yes | Yes |
| Cashback on spending | Yes | Rarely |
Second Chance Account Benefits and Features
With a Second Chance account, you get the everyday features you need to manage your money – plus a few extras most mainstream banks don’t offer.
No credit check, no CIFAS check
Bad credit will not impact your application. As we do not conduct credit checks at Suits Me, your CIFAS marker will not stop you in opening an account to manage your money.
Apply with alternative ID
We accept over 20 alternative IDs, so a lack of standard ID doesn’t have to stop you opening an account.
Cashback and Discounts
Unlock instant cashback and exclusive discounts when you shop with our retail partners.
24/7 Mobile App
Manage your money from the free Suits Me mobile app. Get instant spending notifications, add and remove payees instantly, and access your account whenever you need it.
No minimum deposit required
Open an account with no minimum deposit needed.
Payments and transfers
Receive and send money in the UK and send money abroad easily. Have wages or benefits sent directly to your account, send a Faster Payment or top up with cash at any PayPoint store.
I’ve Been Refused a Bank Account – How Can I Receive My Wages or Benefits?
If you’ve been refused a bank account, you can still receive wages, salary or eligible benefits into an alternative account that provides you with your own UK sort code and account number.
A Suits Me Second Chance account gives you these account details, so you can provide them to your employer or benefits provider to receive payments directly into your account.
There’s no credit check to apply, and you can open an account online in around 3 minutes.
How to open a second chance account
You can open a Suits Me account in three simple steps:
- Choose an account – Complete the online application in around 3 minutes.
- Verify your identity – Provide photo ID and a selfie, or use one of several accepted alternatives if you don’t have standard ID.
- Start using your account – Get your account number and sort code instantly* then receive your contactless debit card by first class post.
*subject to AML regulatory requirements
FAQS
What to do if no bank will accept me?
Been turned down more than once? You’re not alone and you’re not out of options. Suits Me was made for situations like this. We don’t judge your past; we just help you get a second chance account so you can move forward with confidence.
Does Suits Me run a credit check?
No. We don’t do any credit checks when you apply. Your credit score doesn’t define you, and it doesn’t stop you from getting an account with us.
Can you have two UK accounts?
Yes, you can. There’s no rule saying you can’t have more than one. In fact, lots of people use a second account to keep on top of bills, separate spending, or just get a fresh start. Suits Me works perfectly as a main or second account when you select the right account type.
How long does a bank blacklist last in the UK?
If you’ve ended up on a blacklist, like with CIFAS or a credit reference agency, the record can remain for up to 6 years. Suits Me can still give you a a second chance account, subject to AML regulatory requirements,
Can I get my wages or benefits paid into a Second Chance account?
Yes. You can have wages, benefits, or any other regular payments paid directly into your Suits Me account.
Will being refused a bank account affect my credit score?
A refused application itself doesn’t damage your credit score, but the search a bank carries out (a “hard” credit check, if used) can leave a mark on your file, and multiple declines in a short space of time may affect how future lenders view you. Opening a Second Chance account doesn’t involve a credit check either way.