Declined by Starling?
There’s another way.
Starling’s eligibility criteria doesn’t work for everyone. Suits Me® is built to be more accessible — no credit check, no CIFAS barrier, no UK credit history needed. Open your account in minutes.
No credit check · No CIFAS barrier · Takes around 3 minutes
Suits Me® is built for people Starling may not be able to help
Whether you’ve been declined, have a difficult credit history, or are just starting out in the UK — we have an account for you.
Declined by Starling
Starling may decline applicants who don’t meet their eligibility criteria. Suits Me® doesn’t run credit checks — so a rejection from Starling won’t affect your application with us.
Bad credit or CIFAS markers
A poor credit history or CIFAS marker makes it difficult to open a Starling account. Suits Me® welcomes customers with bad credit, defaults, CCJs, or CIFAS markers.
Nuevo en el Reino Unido
No UK credit history means Starling may decline you. Suits Me® doesn’t require any UK credit history — making it one of the easiest accounts to open when you first arrive.
Why Starling isn’t right for everyone
Starling is a great account — but it’s designed for people with a clean financial history. If that’s not you, here’s what you’re up against.
Soft credit check at application
Starling runs a soft credit check when you apply. While this won’t leave a mark on your credit file, a thin or troubled credit history can still affect the outcome of your application.
CIFAS markers mean rejection
If you have a CIFAS marker on your record — even an incorrect one — Starling is very unlikely to approve your application.
No UK credit history? Likely declined
New arrivals to the UK typically have no credit footprint — which can trigger a Starling decline before they’ve even had a chance to build one.
Strict eligibility criteria
Starling’s eligibility requirements go beyond just credit — address history, ID verification standards, and residency status can all be barriers.
Cashback & rewards locked to upgrades
Cashback and discount features aren’t available on Starling’s standard account — you need to upgrade to access them.
English-only customer support
Starling’s support is in English only. If English isn’t your first language, getting help with your account can be a real challenge.
Everything Starling offers — and more
Suits Me® is a fully featured e-money account built for everyday life. No credit check. No CIFAS barrier. Cashback and discounts included on every plan.
No credit check — ever
We don’t run credit checks. Your financial history won’t affect your application with Suits Me®.
UK account number & sort code
Receive wages, benefits, pension, or any other payment directly into your account.
Free contactless Mastercard®
Pay in stores, online, and at ATMs — accepted in over 30 million places worldwide.
Direct Debits included as standard
Set up rent, utilities, and bills on Direct Debit — included on all plans.
Devolución instantánea en todas las cuentas
Earn money back at Argos, Asda, IKEA, Sainsbury’s, and hundreds more — no upgrade needed.
Exclusive discounts on all accounts
Access hundreds of partner discounts from day one — available on every Suits Me® plan.
Multilingual support in 15+ languages
Our UK-based team speaks over 15 languages. Get help by phone, chat, email, or video call.
Mobile app & real-time notifications
Manage your account, freeze your card, and track spending from your phone — 24 hours a day.
Free Mastercard® included · Account details issued same day · No credit check
Suits Me® vs Starling Bank
| Función de cuenta | Starling | Suits Me |
|---|---|---|
| Abrir en línea en sólo 3 minutos | ✓ | ✓ |
| No credit check required | ✗ | ✓ |
| Accepts bad credit & CIFAS markers | ✗ | ✓ |
| No UK credit history needed | ✗ | ✓ |
| Devolución instantánea en todas las cuentas | ✗ | ✓ |
| Discounts included on all accounts | ✗ | ✓ |
| Direct Debits included as standard | ✗ | ✓ |
| Servicio de atención al cliente multilingüe en el Reino Unido | ✗ | ✓ |
| Tarjeta de débito sin contacto gratuita | ✓ | ✓ |
| UK account number & sort code | ✓ | ✓ |
| Mobile app with real-time notifications | ✓ | ✓ |
| Retiradas en cajeros automáticos internacionales | ✓ | ✓ |
*Sujeto a los requisitos reglamentarios en materia de lucha contra el blanqueo de capitales
Open your Suits Me® account in 5 simple steps
Choose your account
Pick from Essential, Premium, or Premium Plus — all include cashback and discounts.
Introduzca sus datos
Complete your application online in around 3 minutes. No credit check involved.
Verify your ID
Upload a photo ID and a selfie. We work with the ID you have.
Get your account details
Your UK sort code and account number arrive the same day. Your card follows by post.
Descargar la aplicación
Manage everything from your phone — spending, transfers, cashback, and more.
Trusted by thousands of people across the UK
“Suits me was quick, efficient, and easy to use. Through financial problems out of my control I was refused an account everywhere but Suits Me — I was accepted in minutes.”
“What a great account — got my card straight away, easy set up. I struggled getting a card for my wages and this was by far the best. Highly recommend.”
“This was my last chance and I am glad to have an account. Suits Me is a life saver — easy to use, reliable, and the customer service team genuinely care.”
Preguntas frecuentes
Yes. Suits Me® does not carry out credit checks as part of our application process. A rejection from Starling — for any reason — will not affect your Suits Me® application.
Yes. We understand that financial difficulties can happen to anyone. Bad credit, missed payments, defaults, CCJs, or a CIFAS marker will not prevent you from opening a Suits Me® account.
Absolutely. We don’t require a UK credit history. Many customers open their Suits Me® account within days of arriving in the UK. Our multilingual team can support you in over 15 languages to help you get set up.
Yes. Unlike Starling, Suits Me® includes instant cashback and exclusive discounts on every plan — no upgrade required.
Suits Me® is an e-money account, not a bank account. However, it works like a bank account for everyday use — you get a UK sort code and account number, a Mastercard® debit card, Direct Debits, and a full mobile app.
Around 3 minutes online. Once your identity is verified you’ll receive your UK account details the same day. Your Mastercard® will arrive by first class post, usually within a few days.
We try to work with the ID you have. A passport or driving licence is ideal, but we can often accept other forms. Speak to our team if you’re unsure — we’re here to help.
Dealing with other financial challenges too?
Suits Me® supports people in a wide range of difficult financial situations — not just those declined by Starling.
Account for bad credit
If a poor credit history is making it hard to open an account elsewhere, find out how Suits Me® can help.
Find out more →Alternativa a Pockit
Comparing Suits Me® with Pockit? See why thousands have chosen Suits Me® for more features and better value.
Find out more →Ready for an account
that’s built for you?
Join thousands of people who use Suits Me® as their everyday account. No credit check. No CIFAS barrier. Open in minutes.
Open My Free AccountFree Mastercard® included · Account details issued same day · KYC & AML checks completed on all applications · Suits Me account fees apply — see our fee schedule for full details
¿Por qué elegir la cuenta Suits Me como alternativa a la tarjeta Starling?
Tenemos una cuenta que se adapta a ti como alternativa a la tarjeta Starling.
Essential
Cuenta de respaldo
Pago por uso
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Si ya tienes una cuenta bancaria principal y deseas una cuenta personal de respaldo que sea fácil de abrir y usar, esta cuenta es perfecta para ti. Para gastos mensuales ocasionales con una tarjeta flexible de prepago y una aplicación móvil. Si realizas más de unas pocas transacciones al mes, es posible que nuestras otras cuentas sean más adecuadas para ti.
-
Si ya tienes una cuenta bancaria principal y deseas una cuenta personal de respaldo que sea fácil de abrir y usar, esta cuenta es perfecta para ti. Para gastos mensuales ocasionales con una tarjeta flexible de prepago y una aplicación móvil. Si realizas más de unas pocas transacciones al mes, es posible que nuestras otras cuentas sean más adecuadas para ti.
Premium
Cuenta de gastos
5,97 £ al mes
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Para los gastos diarios, con esta cuenta sacará más partido a su dinero. Si realiza transferencias periódicas y retiradas de efectivo, Premium será una buena opción. Reembolsos, descuentos y todo lo que necesita para gastar con facilidad.
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Para los gastos diarios, con esta cuenta sacará más partido a su dinero. Si realiza transferencias periódicas y retiradas de efectivo, Premium será una buena opción. Reembolsos, descuentos y todo lo que necesita para gastar con facilidad.
Premium Plus
Cuenta principal
9,97 £ /mes
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Si necesita una cuenta para su salario y prestaciones, para configurar pagos periódicos o para ingresar dinero en efectivo, Premium Plus es la mejor opción. Disfrute de todas las ventajas, acceso VIP sin esperas al teléfono y máximas recompensas. La alternativa ideal y sin complicaciones a un banco tradicional para su cuenta principal.
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Si necesita una cuenta para su salario y prestaciones, para configurar pagos periódicos o para ingresar dinero en efectivo, Premium Plus es la mejor opción. Disfrute de todas las ventajas, acceso VIP sin esperas al teléfono y máximas recompensas. La alternativa ideal y sin complicaciones a un banco tradicional para su cuenta principal.
Cómo abrir su cuenta
1. Pulsa el botón
2. Rellenar el formulario
