Being refused a bank account – whether it’s because of bad credit, missing documents or simply not ticking the right boxes – can feel frustrating. If you’ve been “blacklisted”,or are new to the UK or don’t have 3 years proof of address, you might be wondering what your options are.
The good news is that you don’t need a perfect credit score and some paperwork may not be necessary, to open an account with Suits Me. We offer three flexible account options – no credit checks, no complicated documents and no stress – so you can get on with managing your money.
Why Do You Get Blacklisted from Bank Accounts?
If you’ve been turned down for a bank account, you might be asking yourself: “Why am I blacklisted?” The truth is, there’s no official “blacklist” shared between banks, but there are a few common reasons why your application might be refused.
Here’s what might be behind it:
- Missed payments or defaults – This could be unpaid loans, credit cards, or overdrafts that show up on your credit file.
- Money owed to another bank – If you’ve closed an account with debt still outstanding, other banks may see that as a red flag.
- Fraud prevention databases – Being flagged on anti-fraud systems like CIFAS (even by mistake) can result in blocked applications.
- Poor credit history – Some banks check your credit score as part of their process, even for basic accounts.
- Account misuse – Things like bounced payments, ID mix-ups, or having an account closed by your bank can affect future applications.
Even a small issue in the past can make it harder to open an account with a traditional bank. But being blacklisted doesn’t mean you’re out of options. Suits Me offers accounts with no credit checks, so your financial history won’t stop you from getting back in control of your money.
What Are the Different Suits Me Accounts?
Suits Me offers three accounts to choose from, whether you’re starting fresh, rebuilding your finances, or are new to the UK. You can apply online in minutes, get paid your wages or benefits, send and receive money, and manage everything 24/7 using the mobile app or online banking.
Here’s a breakdown of what each account includes:
Essential Account – Everyday Banking, Made Simple
The Essential Account gives you everything you need for day-to-day money management without unnecessary extras or fees.
Features include:
- Contactless Mastercard® debit card
- Online banking and mobile app
- Ability to set up direct debits and standing orders
- No credit checks
Who it’s for:
Perfect for anyone looking for a basic, accessible account – whether you’ve recently moved to the UK,don’t have 3 years proof of address or have been refused by high street banks.
Premium Account – Extra Benefits for Regular Use
If you use your account regularly for everyday expenses, the Premium account gives you additional perks and more value.
Includes everything in Essential, plus:
- Lower pay-as-you-go fees
- Access to cashback rewards and discounts at selected retailers
- More cost-effective if you use your card frequently
- £4.97 monthly fee
Who it’s for:
Perfect if you use your account regularly and want to earn rewards while you spend.
Premium Plus Account – The Best Value for Money
Our Premium Plus account gives you the full package – cashback, support and extras – with the lowest monthly cost overall if you’re a frequent user.
Includes all Premium features, plus:
- The highest cashback rates and personalised support to help you access exclusive offers
- Exclusive competitions to win monthly prizes
- No charges for UK card payments
- £9.97 monthly fee
Who it’s for:
Ideal for people who use their account often for bills, shopping, or travel and want the best value and full benefits.
Does Suits Me Run Credit Checks?
No. Applying for a Suits Me account does not involve a credit check. That means your credit score, history of missed payments, or issues with other banks won’t affect your application.
Suits Me uses identity verification rather than financial background checks. This opens the door to many people who would otherwise be excluded from banking. If you’ve been searching for how to open an account with no credit check, Suits Me can help.
Will Opening a Suits Me Account Affect My Credit Score?
No, it won’t. Because Suits Me doesn’t run credit searches or report your activity to credit agencies, opening or using the account has no impact on your credit score.
Struggling to open an account elsewhere?
If you’ve been blacklisted or refused by banks, Suits Me offers a flexible way to manage your money. With three accounts to choose from, it’s a simple way to get back on track with your finances. Open a Suits Me account online in minutes.
FAQs
What’s the best Suits Me account if I’ve been blacklisted?
All three Suits Me accounts are available without credit checks, so you can choose the one that suits you. If you want a simple account with no monthly fee, go for Essential. If you’ll be using the account regularly and want cashback or reduced fees, Premium or Premium Plus may suit you better.
Can I open a Suits Me account with bad credit?
Yes! We don’t run credit checks, so poor credit won’t affect your application. Whether you’ve missed payments in the past or are rebuilding your finances, Suits Me can help.
Will Suits Me report to credit agencies?
No. We don’t report account activity to credit reference agencies, so your credit score won’t be affected.
How much do the Suits Me accounts cost?
- Essential: No monthly fee
- Premium: £4.97 per month
- Premium Plus: £9.97 per month
You can choose the account that best fits how you plan to use it.
Can I upgrade or change account types?
Absolutely. If your situation changes or you want more features, you can upgrade or switch your Suits Me account at any time.
