Visa Debit Cards

Looking for a Debit Card?

Getting your hands on a debit card is easy with Suits Me. Apply for a debit card online today in under 10 minutes and receive your card in the next 3-5 working days.

We’re driven by our belief that everyone should have access to a safe and secure means of banking. That’s why we won’t:

  • Carry out a credit check or ask for proof of address
  • Ask for extra documents
  • Charge you for the debit card
  • Make life difficult – you can open a current account with mobile and online banking facilities

 

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Image of a blue Suits Me Prepaid Visa Debit Card

Loved & Trusted by Over 130,000 Customers

What is a Debit Card?

When you open a bank account or use an alternative banking solution (like us!), you’ll be issued a debit card.

A debit card is a type of payment card that allows you to make purchases in-store, online or over the phone. Rather than relying on cash or cheques, money is taken from your bank account directly.

Image of a blue Suits Me Prepaid Visa Debit Card

What’s Different About Visa Debit Cards With Suits Me?

At Suits Me, we like to do things a bit differently. Our debit cards are prepaid and are not linked to a bank account like traditional options.

Instead, our debit cards are ‘top up and go’, meaning you’ll need to load money onto your card at a Post Office or PayPoint store before you can use it.

Then you can use the card as you would a traditional debit card account, without any risk of overspending.

5 Facts About Debit Cards

What’s Different About Visa Debit Cards With Suits Me?

At Suits Me, we like to do things a bit differently. Our debit cards are prepaid and are not linked to a bank account like traditional options.

Instead, our debit cards are ‘top up and go’, meaning you’ll need to load money onto your card at a Post Office or PayPoint store before you can use it.

Then you can use the card as you would a traditional debit card account, without any risk of overspending.

Why Should I Choose a Suits Me Debit Card?

Prepaid debit cards don’t always come with advanced banking features like direct debits, standing orders or bank transfers, which can make things difficult if it’s your primary account.

Our Visa debit cards come packed with handy features, so your money can work harder. With a Suits Me card:

  • You’ll be issued an account number and sort code (so your employer can pay your salary into the account each month)
  • You can receive bank transfers
  • You can make payments as you would with a traditional bank card
  • You’ll be able to use a chip and PIN terminal (or even make speedy contactless payments)
  • You’ll get access to online banking, meaning you can view your balance and recent transactions in just a few clicks (or taps via the app)

What Are The Benefits of a Suits Me Debit Card?

We aim to make managing your money easy, no matter your circumstances. Whether you’re a foreign national, have a poor credit history, or just like to know exactly what you’re spending – a Suits Me debit card just makes sense. Here’s why:

You can use it anywhere

The Suits Me card is a Visa debit card and can be used wherever you see the Visa logo.

Instant access to your money

Your online debit card lets you spend or withdraw your money safely and securely, wherever you are in the world.

Image of debit card and cash in wallet

Stress-free withdrawals

Your debit card account can be used at any ATM or cash point that accepts Visa

Image of a Suits Me Visa Debit Card Being Used to Withdraw Cash at an ATM

You can go contactless

With our debit cards, there’s no need to enter your PIN.  Simply tap your debit card on the card reader and wait for the transaction to be approved. That way, there’s no need to carry cash.

Image of a Suits Me Visa Debit Card Being Used to Make a Contactless Payment

Pay with your phone

There’s no need to carry around your physical card with this nifty feature! Link your card to Google Pay and pay safely and securely in-store and online with your phone.

Shop until you drop

Whether you’re heading to the high street or shopping online, you can use your online debit card as your payment method. Simply tap and go or enter your PIN.

How to Pay Online Using a Card

Block and unblock, wherever, whenever

Lost your card but think you may be able to find it? Keep your account and money safe by blocking your card in the app or via your online banking. Found it? Great! Unblock using the app or online banking.

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Get cashback with every purchase

Save money when you use your Suits Me card in our partner retail stores or when you shop online. You’ll get cashback straight into your account every month.

Some of our cashback partners include Argos, Asda, B&Q, Goldsmiths, Halfords, Footlocker, New Look, Sainsbury’s and more.

View Cashback Partners
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What’s the Difference Between a Prepaid Card and a Debit Card?

Prepaid cards can be used to pay bills, make purchases and receive money, just like debit cards. Yet there is one key difference. Prepaid cards are loaded with money before you can use them.

Is a Prepaid Debit Card a Bank Account?

In short, no. A debit card account from Suits Me is not linked to a typical bank account. Instead, you’re spending money you’ve already loaded onto your debit card.

That way, you can’t overspend as prepaid debit cards don’t have an overdraft facility unlike traditional debit cards associated with banks.

What’s the Difference Between a Suits Me Account and a Traditional Bank Account?

We aren’t a bank. But we are an award-winning e-account and debit card solution. Somewhat of a halfway house between a traditional bank account and a basic prepaid card, it’s our mission to drive equality and financial inclusion.

As we’re not a traditional bank, we are able to offer a banking solution to people from a whole range of backgrounds. From migrant workers to international students and those with a poor credit history – we are a bank for the underbanked.

Wondering why we’re different to a traditional bank?

1. We Don’t Have a High Street Presence

As we’re an online banking solution, we don’t have physical branches. That means you’ll manage your e-money account online or via our mobile banking app.

But if you get stuck, we do have a multilingual customer care team. They’re on hand to help you manage your finances 5 days a week. Telephone, email, live chat or social media – how you speak to them is up to you.

2. We Don’t Offer Credit (Overdrafts or Credit Cards)

Unlike traditional banks, we don’t offer arranged overdrafts or credit cards. In other words, you can only spend what you have. This can be good if you’ve struggled with managing your money in the past.

No credit means no debt!

3. We Don’t Conduct Credit Checks

Whether you have a poor credit history or haven’t lived in the UK long enough to build one, you won’t be excluded from getting a debit card with us.

We don’t believe anybody should be financially excluded from managing money – regardless of circumstances.

4. We Protect Your Money Differently

Unlike traditional banks that protect your money under the Financial Services Compensation Scheme, we keep your money safe in a dedicated bank account.

Don’t worry though – we can’t access this and are regulated by the Financial Conduct Authority and The Electronic Money Regulations 2011, too.

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What’s the Difference Between a Debit and Credit Card?

Debit cards work by allowing you to spend money you have sat in your bank account, or on a prepaid card. Credit cards on the other hand allow you to borrow money up to a set limit.

As credit cards allow you to spend money that isn’t technically yours, it’s easy to overspend. You should always use credit cards responsibly.

Where Can I Use a Debit Card?

Once you’ve been approved (which 99.8% of applicants are), you can start to use your Visa card in-store, online or over the phone. You can also withdraw cash from ATMs using your PIN.

With 24 million places to choose from, the Suits Me Visa debit card is a safe way to spend.

Who Can Get a Debit Card With Suits Me?

We believe that everyone should have access to a banking solution to better manage their money. That’s why we’re open to more people, including:

  • Migrant workers
  • Those with poor credit history
  • Bankrupts
  • International students
  • Expats
  • Freelancers and self-employed individuals
  • Those without proof of address

Why Should I Get a Debit Card With Suits Me?

A hybrid between a prepaid account and a traditional bank account, our debit cards are perfect for those who don’t fit the profile of many high-street banks.

Our debit cards are quick and simple to set up and don’t require a credit check. We offer accessible banking for the many, not the few.

Financial Inclusion

No matter your personal circumstances, we’ll help you manage your money. Many of our customers don’t fit the traditional bank profile, but still want access to all the features of a modern account.

At Suits Me, we’ve been helping those who’ve been financially excluded since 2015 by providing a bank for the unbanked and underbanked.

Cashback Rewards

A Suits Me Visa debit card comes with monthly cashback benefits.

Save money when you use your Suits Me card in our partner retail stores or when you shop online.

Once you’ve completed your application, you’ll have immediate access to all the perks we offer our valued customers.

No Credit Checks

If you have a bad credit rating, or simply haven’t been in the UK long enough to get one, you’ll be pleased to know we don’t require credit checks to open an account.

Unlike traditional banks, all we need from you is a selfie and 10 minutes of your time to get you up and running. As 99.8% of all applications are accepted in just a few minutes, we’re the ideal banking solution for the underbanked and unbanked.

What’s more, as we don’t run credit checks, your current credit score won’t be affected (if you have one that is).

5-Star Customer Care

Our customer care team are always on hand to help you manage your money. Even if English isn’t your native language.

Our advisors speak multiple languages including English, Romanian, Polish, Bulgarian, Russian and Spanish. That way, you can speak to someone in a language you feel comfortable with.

Our friendly advisors are on hand to help 5 days per week between the hours of 8am-6pm. You can contact them using the details below:

Email: hello@suitsmecard.com
Phone: 0330 159 0199
Live chat: Simply click the ‘help’ icon at the bottom right of the screen to get started.

What Features Does a Suits Me Card Come With?

Our Visa debit cards come packed with handy features for you to make the most of.

  1. Instant access to money

Your Suits Me card lets you spend or withdraw your money safely and securely wherever you are in the world.

  1. Withdraw cash whenever, wherever

The Suits Me Visa debit card can be used at any ATM or cash point that accepts Visa.

Suits Me Premium Plus customers get four free withdrawals each month, giving our customers easy access to withdraw money without the worry of additional costs.

  1. Make contactless payments

Easy, fast and secure contactless card payments for purchases of £45 or less. There is no need to enter your PIN, simply tap your card on the reader and wait for the transaction to be approved. Contactless card payments are a convenient alternative to cash and traditional chip and PIN payments.

Use the contactless function when making purchases on the high street, including shops, restaurants, cafes, bars, some public transport and wherever else you see the contactless payment logo.

  1. Pay with your phone

There’s no need for your physical card with this nifty feature! Link your card to Google Pay and pay safely and securely in-store and online with your phone.

  1. Shop instore

Shop anywhere on the high street with your Suits Me debit card where you see the Visa logo. Most shops accept Visa as a payment method.

To pay for goods or services on the high street with your Suits Me debit card, simply insert your card into the payment device provided by the retailer, check the amount and enter your PIN.

If the payment is for £45 or less you can use the contactless function on your card, simply wave or tap the card on the payment terminal. No PIN is required when using contactless payments.

  1. Shop online

Shop anywhere online with your Suits Me online debit card where you see the Visa logo. The Visa logo is usually situated at the bottom of a website within the page footer. Most websites accept Visa as a payment method.

  1. Shop over the phone

Paying for goods and services over the phone with your Suits Me card is like using your debit card to pay online. Although, instead of filling out the payment forms yourself, someone else will do this for you.

  1. Exclusive cashback programme

Save money when you use your Suits Me card in our partner retail stores or when you shop online. You will get cashback straight into your Suits Me account every month.

  1. Block and unblock your card 24/7

Lost your card but think you may be able to find it? Keep your account and money safe by blocking your card in the app or via your online banking. Found it? Great! Unblock using the app or online banking.

How Much Does a Suits Me Debit Card Cost?

Before you sign up, it’s important to know what fees you may incur. We believe in fair, transparent banking here is a rundown of the costs before you sign up.

To get access to one of our award-winning accounts, you’ll need to choose between our Premium or Premium Plus accounts. Each comes with slightly different fees and perks, so it’s best to do your research beforehand.

If you’ll be using this account as your primary account, our Premium Plus account is best. With that, you’ll get:

  • £9.97 monthly fee
  • 4 free ATM withdrawals per month
  • £0.50 + 2.6% fee for cash top-ups
  • Free online banking account
  • Access to our free mobile banking app
  • One-off first money loading fee for £9.97
  • Free Visa debit card delivered to your door within 3-5 working days

For more information, see our costs page.

How Do I Add Money to a Suits Me Debit Card?

Topping up your debit card is easy with Suits Me. As soon as you’ve received your card and activated it, you can add money to your account. A few ways you can add funds to your online debit card include:

  • Online payment transfers – If you have another account, you can log into your online banking and transfer money across to your Suits Me debit card. UK transfers are usually instant, and international transfers can take between 5-7 days.
  • Physical cash – If you have been gifted or paid cash, you can load this onto your debit card. Simply take the cash to an approved retailer to get started.
  • Top-ups at an ATM – At selected ATMs, you can load cash onto your debit card. If you’re doing this, make sure you’ve memorised your PIN!
  • Third-party payments – If you prefer, friends and family can send you money to your current account. This can either be a one-off payment, or regular instalments.
  • Getting your wages paid in – As debit cards have an account number and sort code, you can have your wages paid directly onto your debit card.

Is My Debit Card Safe?

Yes! We’ve worked hard to make sure your money is safe from outside interference. Your money will be kept safe in a segregated bank account that nobody can access – not even by us!

Our inbuilt web security measures mean that nobody can get to your hard-earned cash. Fraudsters, thieves, creditors and even our team won’t be able to access your money.

Here are some other ways we keep your money secure:

  • We won’t send your PIN by post
  • Your mobile banking app is accessed with a 5-digit PIN or your unique fingerprint
  • You can block and unblock your card from your phone for those ‘just in case’ moments
  • If we go out of business (which is highly unlikely), your money will still be protected under the Electronic Money Regulations Act 2011.

Can I Use My Debit Card With PayPal?

You can. If you want a quick and easy way to complete purchases online, it’s a good idea to link your card with PayPal.

For more information on how see our help page.

Can I Use My Suits Me Debit Card Internationally?

Yes. With a Suits Me online debit card, you can transfer money to friends and family around the world. It’s quick and easy to do, too. All you need is the recipient’s IBAN, name and address.

Can I Get Into Debt With a Suits Me Debit Card?

No. With a Suits Me debit card, you can only spend what’s loaded onto your card. As we don’t offer an overdraft facility, you won’t be able to borrow money.

That way, it’s far easier to manage your finances.

How Do I Apply for a Suits Me Debit Card Online?

If you’re looking for much more than a basic prepaid card but don’t want to go down the traditional banking route, then a Suits Me debit card may be just the ticket.

Opening an account online is quick and easy. Follow these 3 simple steps:

  1. Choose an account
  2. Complete your application (this takes just 10 minutes and a quick selfie)
  3. A contactless Visa debit card will be sent to your door within 3-5 working days

Now all you need to do is load some money onto your account and start spending, earning and saving. Don’t forget to make the most out of our cashback schemes, too!

When Can I Start Using My Prepaid Card?

As soon as you’ve received your Suits Me debit card in the post (usually within 3-5 working days) you can use it. Simply activate your card online or over the phone.

Once you’ve opened your account, you can start managing your money right away by setting up your online and mobile banking.

Then, if you’re serious about saving money, you can even plan how to split up your money using envelopes.

What do our customers think about us?

We’re loved and trusted by over 130,000 customers.

But don’t just take our word for it. Why not see what our customers say about us?

See why we have an ‘Excellent’ Trustpilot rating.

Prepaid Account FAQs

If you’re considering opening a current account with us, you may find our help pages useful.

Suits Me Debit Card FAQs

If you need additional support, we have lots of handy debit card FAQs to get you up and running.

Apply for a Debit Card Today

Join an award-winning e-banking solution today and get your FREE Visa debit card in 3-5 working days – with no credit checks!