CIFAS Markers Bank Account
Are you tired of being declined due to a CIFAS marker?
Suits Me have helped lots of people open a fresh start account with CIFAS markers.
✅ Open in Minutes
✅ Choice of Account
Rewards as standard
What is a CIFAS Marker?
CIFAS stands for Credit Industry Fraud Avoidance System. CIFAS markers pose as warnings about the risk you represent to a bank or business. CIFAS put markers against your credit report if an organisation, such as a bank or loan company, suspects you of fraudulent activity.
How can Suits Me help?
Suits Me are not members of CIFAS, which is a not-for-profit organisation. We do not report into CIFAS, nor use their data. What we do at Suits Me is use advanced technology to prevent Fraud. We have zero tolerance towards fraudulent acts, however we also have an inclusive approach to those who have been victims of fraud and found themselves with a CIFAS marker because of it.
As we do not conduct credit checks at Suits Me, your CIFAS marker will not stop you from opening an account to manage your money.
Don’t just take our word for it
Nesha’s story
Eddie’s story
Peter’s story
Choose the right account
Essential
Best for occasional use
Pay as you go /month
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Essential is our pay as you go card. An instant account to give you flexibility and control when you need a separate account. Our customers who need an account to use now and again rather than as a main account choose Essential. Although there is no set monthly fee, individual charges are higher than the other account types. Overall monthly costs can be higher than our other account types if used as a main account or high volumes of payments.
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Essential is our pay as you go card. An instant account to give you flexibility and control when you need a separate account. Our customers who need an account to use now and again rather than as a main account choose Essential. Although there is no set monthly fee, individual charges are higher than the other account types. Overall monthly costs can be higher than our other account types if used as a main account or high volumes of payments.
Premium
Best for basic use
£4.97 /month
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Our Premium account is packed with extras. This account will let you do everything you need to manage your money whilst giving you cashback and discounts. Customers who need a basic and functional account for wages and benefits or have multiple payments into their account choose Premium.
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Our Premium account is packed with extras. This account will let you do everything you need to manage your money whilst giving you cashback and discounts. Customers who need a basic and functional account for wages and benefits or have multiple payments into their account choose Premium.
Premium Plus
Best for main account
£9.97 /month
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Our Premium Plus account is loaded with value plus you receive our VIP queue jump service. This account is a favourite with our customers with its inclusive package. The Premium Plus account is normally the cheapest option for those who want a fully functional bank account replacement as average usage is all included.
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Our Premium Plus account is loaded with value plus you receive our VIP queue jump service. This account is a favourite with our customers with its inclusive package. The Premium Plus account is normally the cheapest option for those who want a fully functional bank account replacement as average usage is all included.
Benefits of a Suits Me account
Open an account in minutes
Our advanced technology allows us to open accounts in minutes online with the ID that YOU have.
Safe & secure
Your account safety, money and personal data is our highest priority. We ensure your identity, funds and personal information is safeguarded at all times.
Bad credit score
With no credit checks, your bad credit score doesn’t stop us opening you an account.
Send & receive payments
Receive and send money in the UK and abroad easily. Our Faster Payments are seriously fast and can all be done self serve via our app.
Exclusive discounts with top brands
Access our exclusive customer discounts with top brands when you have an account with Suits Me. New partners are added every week for you to enjoy.
Unlimited cashback
Save money when you use your Suits Me card with our partners, in store and online. Get unlimited cashback into your account with partners like Argos, Sainsbury’s ASDA, B&Q, Foot Locker, New Look and more.
No minimum balances
There are no minimum deposits or balances required to open a Suits Me account and enjoy all the benefits.
Standing orders & Direct debits
You can pay Direct Debits and set up Standing Orders from your account.
Cash top ups
You can add cash top ups at any PayPoint store.
ATM withdrawals
You can use your Suits Me card to withdraw cash at any ATM machine worldwide.
Easy to use mobile app
Our Mobile App allows you to manage your finances on the go. Instant notifications on spending and deposits to your account.
Free contactless debit card
Sent via first class post and often received the next day. Your contactless debit card allows you to use it anywhere you go. Just search for the contactless symbol.
International transfers
With our preferred partner, Remitly, you can easily make international payments and receive international transfers into your Suits Me account.
Wages & benefits
Provide your sort code and account number to your employer or benefits provider to have funds transferred directly into your Suits Me account.
Virtual customer service
Catering for all our customer needs, with 19 languages and multiple options for communication, from email and Live Chat to telephone and face-to-face video calls.
Account Benefits
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 cash top up at any PayPoint store.
Cashback as standard
Save money when you use your Suits Me card in our partner retail stores or when you shop online. You’ll get cashback back in to your Suits Me account.
Discounts with top brands
Access our exclusive customer discounts with top brands. We have different partners every week for you to enjoy great-money off deals.
24/7access
Instant access to your account wherever, whenever with the Suits Me App.
Refer a friend
Refer your friends to apply and use their Suits Me card, and earn £25 per friend! No limit on the number of friends you refer.
Account holdercompetitions
Join in our exclusive account holder competitions every month for the chance to win cash prizes, amazing discounts and much more.
It’s simple to open a Suits Me account
1. Hit the button
2. Fill out the form
3. Download the App
FAQs
Living with a CIFAS marker
CIFAS markers can affect you in lots of ways including:
Banking: A bank may close or block your access to your account, freezing your funds and transactions to certain services.
Access to credit: CIFAS markers can stop you accessing credit, such as an overdraft or loan. Lenders can view you as a high-risk customer and decline your application for credit.
Insurance: Some Insurance companies may check your credit history before issuing policies. As a CIFAS marker represents a higher risk this can increase your premiums or cause you to be rejected for insurance.
Employment: Job applications in the financial sector will be difficult. Financial institutions often require a credit check before offering employment along with other specific types of employers. A CIFAS marker can limit your opportunities of employment through either being rejected on application or termination of employment.
Reputation: A CIFAS marker can damage your reputation
Legal proceedings: CIFAS markers can be used as evidence in legal proceedings in some circumstances.
How to remove a CIFAS marker?
Firstly obtain a copy of the CIFAS report by making a direct subject access request directly to CIFAS. You can then clearly see what has been alleged and by whom. If you disagree with the marker, challenge your bank directly. If they disagree in their final response, you can then contact CIFAS directly. Lstly, if CIFAS refuse to remove your marketer you can contact the Financial Ombudsman.
How long do CIFAS markers last?
CIFAS markers can be held for up to six years in the CIFAS database.
Banks that accept CIFAS markers.
Most banks do not accept individuals with CIFAS markers. To open a bank account with a mainstream bank they will onduct credit checks which will immediately notify them of your CIFAS marker. Suits Me do not undertake credit checks, we do accept applications from people with CIFAS markers, those who have been victims of fraud have opened an account in minutes when their account has been blocked and a CIFAS marker has been placed against them.