Debt Management and Your Credit Score

What Kind of Bank Account can I get with Poor Credit History?

You may have been denied a bank account due to poor credit history, so what alternatives are available to you?

If you are a temporary worker or have come to the UK to work you may have been denied a bank account. If it’s because of a poor credit history then you may be wondering what alternatives are available to you.

Check your Credit Score

Your credit score could have been affected by missing payments on a credit card or loan, or perhaps if you have been in and out of employment or moved to address several times. You can check your credit score for free by searching online for credit checking companies.

Try Other High Street Banks

You could try another high street bank as not all institutions impose the same criteria regarding opening a new bank account.

They may offer you a basic bank account. That is, an account that allows you to pay in money and withdraw it but other facilities may not be available to you such as a debit card, a checkbook or the facility to make direct debits or standing orders.

Sometimes even a basic bank account will require a fee if you have a bad credit history and may even charge you each time you withdraw money.

Alternative to Traditional Banking

Suits Me®

Having a Suits Me® card can be a practical alternative to a traditional bank account and it also offers all its members a Mastercard® debit card and special cashback offers in high street stores.

It’s easy to open a
Suits Me® account

3 Suits Me® cards - Essential, Premium and Premium Plus 1

Choose an account to open

Let's figure out the best account for you

Selfie and ID 2

Just 10 Mins and a selfie to open your account

All we need is your completed application and your ID to get you up and running

Suits Me® Essential card and online banking app 3

3 Ways to manage your finances

A free contactless Mastercard® debit card and access to an online account and mobile app.