Second Chance Bank Account
If you have been rejected by a bank account, you still have options. Suits Me offer a Second Chance account, built for people who have been refused by a mainstream bank:
✅No credit checks
✅No lengthy approval process
✅No CIFAS marker check
✅Apply for an account in 3 minutes
✅Get a UK account number & sort code once verified*
*sujeto a los requisitos reglamentarios en materia de lucha contra el blanqueo de capitales
If you have been rejected by a bank account, you still have options. Suits Me offer a Second Chance account, built for people who have been refused by a mainstream bank:
✅No credit checks
✅No lengthy approval process
✅No CIFAS marker check
✅Apply for an account in 3 minutes
✅Get a UK account number & sort code once verified*
*sujeto a los requisitos reglamentarios en materia de lucha contra el blanqueo de capitales
Abra su cuentaMiles de personas
la confianza me sienta bien
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The best personal account to have. The app is great, and the team is always there when you need them, 24/7. Any issues are sorted in seconds. I highly recommend Suits Me!
Julia, clienta de Suits Me
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This was my last chance, and I’m so glad I found Suits Me. It’s been a lifesaver. There are some fees, but they’re reasonable and the account is worth it.
Michael Emm, Suits Me customer
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I’ve been struggling to get work without a personal account and suits me have gave me a chance they have been brilliant so far thanks.
Nathan Noon, cliente de Suits Me
Why get a second chance account?
A second chance account has more flexibility than most traditional bank accounts. Here are the key differences:
| Característica | Suits Me Second Chance Account | Traditional Bank Account |
|---|---|---|
| Credit check required | No | Usually yes |
| Application time | Minutes | Lengthier process with checks |
| CIFAS checks required | No | Often yes |
| Offers alternative ID | Sí | Sometimes |
| Affected by past account closures | No | Often yes |
| Receive wages / benefits | Sí | Sí |
| Direct debits and standing orders | Sí | Sí |
| Devolución del gasto | Sí | Rarely |
Second Chance Account Benefits and Features
With a Second Chance account, you get the everyday features you need to manage your money – plus a few extras most mainstream banks don’t offer.
No credit check, no CIFAS check
Bad credit will not impact your application. As we do not conduct credit checks at Suits Me, your CIFAS marker will not stop you in opening an account to manage your money.
Apply with alternative ID
We accept over 20 alternative IDs, so a lack of standard ID doesn’t have to stop you opening an account.
Cashback and Discounts
Unlock instant cashback and exclusive discounts when you shop with our retail partners.
24/7 Mobile App
Manage your money from the free Suits Me mobile app. Get instant spending notifications, add and remove payees instantly, and access your account whenever you need it.
No minimum deposit required
Open an account with no minimum deposit needed.
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 top up with cash at any PayPoint store.
I’ve Been Refused a Bank Account – How Can I Receive My Wages or Benefits?
If you’ve been refused a bank account, you can still receive wages, salary or eligible benefits into an alternative account that provides you with your own UK sort code and account number.
A Suits Me Second Chance account gives you these account details, so you can provide them to your employer or benefits provider to receive payments directly into your account.
There’s no credit check to apply, and you can open an account online in around 3 minutes.
How to open a second chance account
You can open a Suits Me account in three simple steps:
- Choose an account – Complete the online application in around 3 minutes.
- Verify your identity – Provide photo ID and a selfie, or use one of several accepted alternatives if you don’t have standard ID.
- Start using your account – Get your account number and sort code instantly* then receive your contactless debit card by first class post.
*subject to AML regulatory requirements
FAQS
¿Qué hacer si ningún banco me acepta?
¿Te han rechazado más de una vez? No estás solo y aún te quedan opciones. Suits Me se creó precisamente para situaciones como esta. No juzgamos tu pasado; solo te ayudamos a conseguir una cuenta de segunda oportunidad para que puedas seguir adelante con confianza.
¿Realiza Suits Me una comprobación de crédito?
No. No comprobamos tu historial crediticio cuando solicitas una cuenta. Tu puntuación crediticia no te define, y no te impide abrir una cuenta con nosotros.
¿Puede tener dos cuentas en el Reino Unido?
Sí, puedes. No hay ninguna norma que prohíba tener más de una. De hecho, mucha gente utiliza una segunda cuenta para controlar mejor las facturas, separar los gastos o, simplemente, empezar de cero. Suits Me funciona perfectamente como cuenta principal o secundaria si eliges el tipo de cuenta adecuado.
¿Cuánto dura una lista negra bancaria en el Reino Unido?
Si has acabado en una lista negra, como la de CIFAS o la de una agencia de información crediticia, el registro puede permanecer allí hasta seis años. Suits Me puede ofrecerte una cuenta de segunda oportunidad, siempre que se cumplan los requisitos normativos en materia de prevención del blanqueo de capitales,
Can I get my wages or benefits paid into a Second Chance account?
Yes. You can have wages, benefits, or any other regular payments paid directly into your Suits Me account.
Will being refused a bank account affect my credit score?
A refused application itself doesn’t damage your credit score, but the search a bank carries out (a “hard” credit check, if used) can leave a mark on your file, and multiple declines in a short space of time may affect how future lenders view you. Opening a Second Chance account doesn’t involve a credit check either way.