Looking for a Prepaid Debit Card?
Open a Suits Me® account online in under 10 minutes and get your contactless prepaid Mastercard® card.
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What is a prepaid debit card?
A basic prepaid debit card is a payment card that isn’t linked to an account in the traditional sense. They’re usually basic ‘top up and go’ payment cards that can be loaded with money at a PayPoint location or via money transfer. They’re called prepaid cards because you have to add money before you can use them.
Unlike a credit card or a debit card with an overdraft attached, you can only spend as much money as you add to a prepaid cash card.
Suits Me® is more than a basic prepaid card
Basic prepaid cards don’t come with extra amazing features including Direct Debits (available with Premium and Premium Plus accounts), standing orders and transfers. But our prepaid Mastercard® debit card does – and lots more. It offers many features that you would expect without offering a credit or overdraft facility.
Your Suits Me® prepaid card will be linked to one of our current accounts. So not only do you get a contactless Mastercard® debit card, but you’ll also have an online money account and a mobile app to manage your finances. Plus, you’ll get access to bonus Suits Me® features including great cashback rewards!
Suits Me® prepaid account features
Once you’ve opened a Suits Me® prepaid account you’ll get access to lots of great features that can help you spend, send and save your money easily. Select a feature below to learn more about how it works and why you might want to use it.
- Suits Me® Account
- Mobile App
- Prepaid Debit Card
- Direct Debits
- Standing Orders
- Cashback Rewards
- See all Features
What are the benefits of our prepaid debit cards
Our prepaid money cards are great for lots of different people, from foreign nationals to freelancers and those who simply want to manage a budget. Here are five reasons to get yours:
- Accessible: Unlike a traditional account, you can get a Suits Me® prepaid card with no credit check or proof of address. You’ll just need one form of ID, a selfie and less than 10 minutes of spare time!
- Great for budgeting: Prepaid cards only allow you to spend as much as you add to them, so you can’t go overdrawn.
- Secure: Prepaid debit cards are safer than carrying cash. Your money is protected by your unique PIN, and it’s easy to block and unblock your card in our app or online if you lose it.
- Easy to top up: Adding money to your card is quick and easy. Top up with cash at over 28,000 UK PayPoint locations, get your wage paid in automatically, and receive UK transfers.
- Easy to use: Use your prepaid Mastercard® card to pay in-store, online or over the phone. Add your card to Google Pay or Samsung Pay for contactless mobile payments. Withdraw cash securely from ATMs wherever, whenever.
How do cashback rewards work?
Our prepaid account holders get fantastic benefits including cashback rewards.
With our cashback programme, you get a percentage of purchases back with our partners when using your prepaid Mastercard® card to make payments. Those partners include Asda, Sainsbury’s, Argos, B&Q, Halfords, Pizza Express, and Yo! Sushi.
Where can I use a prepaid Mastercard® debit card?
You can use our prepaid cards in lots of places, just like regular debit cards! We use the Mastercard® payment network, which means you can use it wherever you see the Mastercard® symbol.
Our prepaid debit cards can be used in your favourite shops, restaurants, cafes and bars, on websites for online shopping and ordering food, ATMs for cash withdrawals and on lot of public transport services like the London Underground to name a few.
You can use your card for both chip and PIN and contactless payments up to £100.
How can I add money to my prepaid account?
Got your card in the post? You can add money to your instant-use prepaid debit card as soon as you’ve activated it. Choose from three quick and easy ways to add money.
- Get your wages/salary paid in
Our prepaid card comes with an account number and sort code. Give these details to your employer and get your wages paid in automatically on payday. If you receive benefit payments, you can have them paid in too.
- Top up with cash
You can add cash to your card instantly at over 28,000 PayPoint locations across the UK, including convenience stores and off licences.
- Transfer from another account
Transfer money from another account. UK transfers are usually instant. You can also transfer from abroad with our partner available in the Suits Me® app.
There are limits to how you add money to your prepaid card, including a maximum balance of £10,000 for our Premium Plus account. Read more about our prepaid account limits.
Are prepaid debit cards secure?
Prepaid cards are a safer and more convenient option than carrying large amounts of cash or small change around. We’ll keep your Suits Me® card and account secure in other ways too, though:
- We won’t send your prepaid debit card PIN by post
- You’ll access your mobile app using a 5-digit PIN or your unique fingerprint
- Enjoy a secure online money account with full account encryption and site-wide HTTPS protection and SSL certification
- Block and unblock your prepaid card instantly through the online money account or your mobile app
- We follow FCA guidelines by keeping your money in segregated accounts we can’t access
- In the unlikely event we go out of business, your money will be protected by the UK Electronic Money Regulations 2011
Who can get a prepaid card with Suits Me®?
We don’t have the same strict criteria as high street banks and we don’t offer credit facilities. That means we can offer prepaid debit cards for people that are new to the country, people with poor credit history and those going through an IVA to name a few.
Basically, anyone who might otherwise be financially excluded can get a Suits Me® prepaid card online! All you need is:
- To be aged 18 or over to apply
- To have a UK address so we can post your prepaid card (you don’t need proof of address documents to open an account)
- To have one form of ID such as a full UK driving licence, passport or national ID card if you are an EU citizen
When can I start using my Suits Me® prepaid card?
You can start using your Suits Me® prepaid Mastercard® card as soon as you’ve received it in the post and activated it. Activating your card is quick and easy, whether you do it over the phone or through your online money account.
You don’t have to wait for your card to arrive to receive payments either. You’ll get your account details right away, plus instructions on how to set up online and mobile app.
Why open a prepaid account with Suits Me®?
Suits Me® is a happy midway point between a basic prepaid card and a high street bank account. We’re perfect for those needing a quick and simple solution and more than a basic top-up-and-go-style prepaid card.
We’re inclusive too. We offer a solution that is available to everyone, including:
- Migrant Workers
- Poor Credit History
- International Students
- Freelancers and Self-Employed
- People in IVAs
- No Proof of Address
Why do Suits Me® not conduct credit checks?
As we don’t provide you with a lending facility we do No credit checks during the sign up process and you don’t need a proof of address. 99.8% of applications are accepted within minutes.
We’re the ideal alternative solution for the unbanked and underbanked. And because we don’t carry out credit checks on applicants, your credit score won’t be affected.
This also means you won’t be discriminated against if you’ve not lived in the UK long enough to build a credit history.
Do you have a customer care team?
Yes – our friendly multilingual customer care team speaks English, Romanian, Polish, Bulgarian, Russian and Spanish. So if you’re not a native English speaker, we can help you in a language you feel comfortable in. Our customer care team are available 7 days a week and can be contacted using any of the details below.
Get your Suits Me® card in 3-5 working days
Open your account
Open your Suits Me® prepaid account online in minutes with no credit checks with an accepted ID document and selfie.
Get your prepaid debit card
You’ll get your prepaid Mastercard® debit card in the post after 3-5 working days.
Enjoy the benefits
Start spending, earning, and saving with your prepaid card and account.
Got a question? You might find the following articles and guides useful. You can also check our full FAQs.
- What is a current account?
- How to Open an Account
- Open a UK Account Without Credit Checks
- What types of ID do you accept?
- How to Add Money to your Account
Prepaid card FAQs
We also have lots of FAQs relating to our prepaid debit cards.
- What is a debit card?
- Do I have to wait to receive my card before I get my account details?
- How do I activate my Suits Me® Mastercard® Debit card?
- How do I get my PIN?
- Is the Suits Me® card contactless?
Open your prepaid account today
Get your prepaid Mastercard® contactless debit card in 3-5 working days with no credit checks!