The UK account for expats
and foreign nationals that
opens in minutes
Can’t open a UK bank account because you don’t have 3 months of verified proof of address? Suits Me® removes that barrier entirely — no credit check, no verified address history, no branch visit required.
Free Mastercard® · Account details issued same day · GFSC regulated
Trusted by people from across the world
“It was so easy to open. I just arrived in the UK and other banks kept turning me down. Suits Me accepted me in minutes and my card arrived the next day.”
“I am not having credit history and this is the best account for me. Very easy to use and great customer support in my language.”
“Fantastic. The best bank service I’ve ever had. I moved from Poland and could open an account the same day I arrived. Highly recommend.”
Why UK banks refuse expats and foreign nationals
Most traditional UK banks require documentation that new arrivals simply don’t have yet. It has nothing to do with trust — it’s a systemic barrier.
3 months verified proof of address
Banks require recent utility bills or bank statements — impossible if you’ve just arrived in the UK.
UK credit history
Foreign credit history doesn’t count. With no UK credit file, most banks automatically decline your application.
Minimum deposit requirements
Premium international accounts often require £25,000–£100,000 in savings before you can open one.
Weeks of waiting
Even when applications are accepted, waiting weeks for approval leaves you unable to receive wages or pay bills.
Works for every situation
Whether you’re here to work, study, or build a new life — Suits Me® gives you a UK account that works from day one.
Skilled Worker visa holders
Just arrived for a new job? Open your account before your first payday — no UK address history needed.
Health & Care visa workers
NHS and care sector workers can open an account in minutes and receive wages from day one of employment.
International students
Apply from abroad before you arrive. Your account is ready when you land — no UK paperwork required.
BRP & eVisa holders
We accept Biometric Residence Permits and eVisa reference numbers as valid ID — unlike most high street banks.
EU nationals in the UK
EU citizens with settled or pre-settled status can open an account using a national ID card or passport.
Returning British expats
Returning to the UK after living abroad with no UK credit history? We don’t need 3 years of UK address history.
A full UK account from day one
Everything you need to manage money in the UK — without the barriers traditional banks put in the way.
UK account number & sort code
Receive wages, salary, student loans or benefits directly. Works with all UK payroll systems.
Free contactless Mastercard®
Pay in stores, online and abroad — accepted in over 30 million locations worldwide.
Mobile app & online banking
Manage everything from your phone — 24 hours a day, in your own language.
Adeudos directos y órdenes permanentes
Pay rent, energy and phone bills automatically without visiting a branch.
International money transfers
Send money home to family quickly and securely from the app or online portal.
Support in 11 languages
Speak to a real person in your language by phone, email, chat or video call.
Instant cashback on spending
Earn money back automatically when you shop at hundreds of partner retailers.
Secure & GFSC regulated
KYC and AML checks on every application. Advanced card security as standard.
Free Mastercard® included · Account details issued same day
What ID do you need to open an account?
You just need to be over 18 and have a UK address for card delivery. No UK credit history or proof of address required.
With photo ID
Provide one of the following plus a selfie taken on your phone.
- ✓ Passport
- ✓ Full UK driving licence
- ✓ Provisional driving licence
- ✓ National ID card
- ✓ ARC card
- ✓ British Residence Permit (BRP)
- ✓ British Citizen ID card
No photo ID? No problem
Provide one document from List A and two from List B.
- ✓ HMRC letter
- ✓ National Insurance card
- ✓ Employer payslip
- ✓ NHS letter
- ✓ Armed Forces ID
- ✓ Birth certificate
- ✓ P45, P60 or P11D
- ✓ Benefits letter
- ✓ Council tax letter
- ✓ Utility bill statement
- ✓ Mobile phone bill
- ✓ Tenancy agreement
- ✓ Previous bank statement
- ✓ TV licence letter
Suits Me® carries out all required KYC identity verification and AML screening on every application — so your account is fully secure and compliant.
Suits Me® vs a traditional UK bank
High street banks have requirements that make it almost impossible for new arrivals to open an account. Suits Me® removes every one of them.
| Feature | Suits Me | Traditional bank |
|---|---|---|
| No credit check required | ✓ | ✗ |
| No 3 months verified proof of address* | ✓ | ✗ |
| BRP & eVisa accepted as ID | ✓ | ✗ |
| Open entirely online in minutes | ✓ | ✗ |
| Sin depósito mínimo | ✓ | ✗ |
| No UK credit history required | ✓ | ✗ |
| UK account number & sort code | ✓ | ✓ |
| Contactless Mastercard® | ✓ | ✓ |
| Adeudos directos y órdenes permanentes | ✓ | ✓ |
| Multilingual customer support | ✓ | ✗ |
| Instant cashback on purchases | ✓ | ✗ |
*Subject to AML regulatory requirements. Suits Me® is an e-money account, not a bank account. Funds are not protected by the FSCS.
Open your UK account in 3 simple steps
No branch visit, no credit check, no UK address history. Done entirely online in around 3 minutes.
Choose your account
Pick from Essential, Premium or Premium Plus — each with clear, simple pricing and no hidden fees.
Enter your details & upload your ID
Fill in your details and upload your photo ID (passport, BRP or national ID) and a selfie. Takes about 3 minutes.
Get your UK account details instantly
Your UK sort code and account number are issued the same day. Your Mastercard® arrives by first class post within days.
Three accounts. One for every situation.
All three come with a UK account number, sort code and contactless Mastercard®. Pick the one that fits how you use your money.
A simple pay-as-you-go account — ideal as a backup or for occasional use while you settle in.
- ✓ UK account number & sort code
- ✓ Contactless Mastercard®
- ✓ Mobile app & online banking
- ✓ Instant cashback & discounts
- ✓ PayPoint cash top-ups
A full everyday account for wages and regular payments — perfect as your main UK account.
- ✓ Everything in Essential
- ✓ Direct Debits & standing orders
- ✓ Receive wages & benefits
- ✓ 2 free ATM withdrawals/month
- ✓ Reduced transaction fees
Maximum features and the best value for frequent everyday use — the ideal main account.
- ✓ Everything in Premium
- ✓ 4 free ATM withdrawals/month
- ✓ VIP Queue Jump customer service
- ✓ Dedicated account manager
- ✓ Lower fees across all features
All accounts subject to identity verification. Suits Me® is an e-money account, not a bank account. Funds are not protected by the FSCS. View full pricing and fees →
Frequently asked questions
Yes. Suits Me® is open to anyone over 18 who lives in the UK, regardless of nationality or visa status. You don’t need UK credit history, 3 months of verified proof of address, or a minimum deposit. You just need a valid photo ID (passport, national ID card or BRP) and a UK address for card delivery.
Yes — Suits Me® accepts Biometric Residence Permits (BRP) and eVisa reference numbers as valid identity documents. This is a key difference from most high street banks, which often don’t accept BRPs as standalone ID.
Yes. Your visa type does not affect your eligibility to open a Suits Me® account. Whether you’re on a Skilled Worker visa, Health & Care visa, Student visa or any other valid UK visa, you can open an account in minutes using your passport or BRP and a selfie.
Yes. You can begin your application from anywhere in the world. You’ll need a UK address to receive your Mastercard® — this can be your employer’s address, a friend’s address, or university accommodation. Your account details are issued online the same day your ID is verified.
No. Suits Me® does not run credit checks. Having no UK credit history — or a poor credit history from abroad — will not affect your application. We do carry out standard KYC identity checks and AML screening as required by our regulators.
Yes. Your Suits Me® account comes with a full UK account number and sort code, which is all your employer needs to pay you directly. It works with all UK payroll systems. You can also receive benefits, student loans and international transfers.
No — Suits Me® is a GFSC-regulated e-money account, not a bank account. However it provides everything you need for everyday banking in the UK: a UK account number and sort code, a contactless Mastercard®, Direct Debits, Faster Payments and a mobile app. The key difference is that funds are not protected by the Financial Services Compensation Scheme (FSCS).
Yes. You can send international money transfers directly from the Suits Me® app or online portal via our preferred partner, Remitly. This makes it easy to support family back home or manage finances across borders.
Other situations we can help with
Suits Me® supports people in a wide range of situations where traditional banks fall short.
Migrant workers in the UK
Working in the UK through an agency or employer? Find out how Suits Me® supports workers across all industries.
Find out more →International students
Apply before you arrive in the UK. Have your account ready and your card waiting when you land.
Find out more →No verified proof of address?
Don’t have a utility bill or bank statement in your name? We explain exactly what you need to open your account.
Find out more →Don’t let banking barriers
slow down your new life in the UK
Join 130,000+ people who’ve opened a Suits Me® account. No credit check, no verified proof of address, no waiting. Open in minutes from your phone.
Open My Account NowFree Mastercard® included · Account details issued same day · KYC & AML checks completed on all applications · Suits Me® is an e-money account, not a bank account · Funds not protected by the FSCS