Bank accounts for bad credit
Open an award-winning alternative to a bank account with no credit checks
Get your account details in minutes — no hard checks, no rejections, no stress.
✅ No credit checks
✅ Instant sort code & account number
✅ Easy online application
✅ Suitable if you’ve been rejected by bank
Open an award-winning alternative to a bank account with no credit checks
Get your account details in minutes — no hard checks, no rejections, no stress.
✅ No credit checks
✅ Instant sort code & account number
✅ Easy online application
✅ Suitable if you’ve been rejected by bank
Nesha’s story
Eddie’s story
Peter’s story
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Really easy to use and very simple to set up, even if you have bad credit.
Suits Me customer
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Suits Me is an excellent bank for bad credit. Customer service from jarred was top notch, very polite and informative. Highly recommend 👌
Melanie, Suits Me customer
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Suits me is actually a good company for generalised banking. It’s easy to apply for and to get a card even if your credit file isn’t that good and they check in on you, like Naomi who called me today check in and see how I was getting on, also gave some great tips on how to use the account.
Paris, Suits Me customer
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It’s good. I am not having credit history, this is the best bank.
Anthony, Suits Me customer
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Helpful. Easy to make an account as I have bad credit score.
Plam, Suits Me customer
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Suits Me was quick, efficient, and easy to use. Through financial problems out of my control effecting my credit score, I was refused an account everywhere but Suits Me, I was accepted in minutes and they are sending me my card within 3 days, I recommend!
Marc, Suits Me customer
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This company will be a Godsend for many people who got themselves into debt or can’t get a bank account, it’s a great company and I met a lovely lady today called Charley, part of customer care team.
Lynne, Suits Me customer
Why bad credit makes opening a bank account difficult
Having bad credit can be a barrier to opening a bank account with a traditional bank. Why?
- They run hard credit checks
- They require 3 years verified address history
- They can reject people with CCJs, defaults, arrears or past missed payments
- They may freeze or restrict features if you’re in debt recovery
These systemic checks don’t consider real life: job changes, illness, temporary setbacks or unexpected bills.
But you still need an account to manage your money — and Suits Me® gives you that chance.
Why choose Suits Me?
Your account gives you everything you need to manage your finances:
✅ No credit checks
✅ Receive wages, benefits or pension
✅ Pay bills by Direct Debit
✅ Set up standing orders
✅ Track spending through the mobile app
✅ Withdraw cash worldwide
✅ Send Faster Payments
✅ Access cashback on everyday spending
You get a fresh start without financial judgement.
Why banks reject people with bad credit
Traditional banks can decline applications when they detect:
- Missed payments or defaults
- County Court Judgments (CCJs)
- High outstanding debt
- IVA or Debt Management Plans
- Bankruptcy (current or recent)
- Irregular or unstable financial history
- Past overdraft problems
Their automated systems often block applications automatically — even when your situation is improving.
That’s where Suits Me® steps in.
How Suits Me®
removes the common barriers
We focus on giving you access, not judging your past.
No credit checks
Your credit history does not affect your application.
No 3 years of address history
We don’t require long documentation trails.
No overdraft or borrowing
This keeps your account simple and low risk.
Quick online setup
Apply in minutes from your phone – no branch visits.
Designed for real-life financial experiences
From credit recovery to simple budgeting, your account works for you.
*subject to AML and regulatory requirements
IVA, DMP, CCJs, defaults & bankruptcy?
You’re still eligible
Your past financial events do not prevent you from opening an account with Suits Me®.
Here’s how mainstream banks see each situation — and why we handle it differently:
IVA
Banks may restrict accounts — we don’t.
DMP
Banks see it as ‘financial instability’ — we don’t.
CCJs
A major rejection trigger for banks — not for us.
Defaults
Bank systems automatically decline — Suits Me® accepts you.
Bankruptcy
Many banks refuse new accounts — you can open with us online.
If you’re rebuilding your finances, you don’t need a bank’s approval to move forward.
CIFAS markers: how Suits Me® helps
Being a victim of fraud can lead to unfair banking restrictions.
Many banks’ systems automatically reject applications when a CIFAS marker appears.
Suits Me® offers an accessible alternative, supporting people affected by impersonation or fraud-related blocks.
Suits Me® supports people locked out of the banking system
We’re here for people who:
- Have been rejected by banks
- Are recovering from debt
- Have poor or limited credit history
- Are in an IVA or DMP
- Are newly discharged from bankruptcy
- Have CIFAS concerns
- Need an accessible, everyday account
Suits Me® gives you financial independence — fast.
How to Open Your Account
Choose an account
Enter your details
Download our app
Choose the right account for you
Essential
Back Up Account
pay as you go
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If you already have a main bank account and want a back-up personal account that’s easy to open and use, this account is perfect for you.
For occasional monthly spending with a pay-as-you-go flexible card and mobile app. If you are doing more than a handful of transactions each month our other accounts may be better for you.
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If you already have a main bank account and want a back-up personal account that’s easy to open and use, this account is perfect for you.
For occasional monthly spending with a pay-as-you-go flexible card and mobile app. If you are doing more than a handful of transactions each month our other accounts may be better for you.
Premium
Spending Account
£4.97 /month
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For everyday spending you get more for your money with this account. If you are making regular transfers and drawing out cash, Premium will be a good choice.
Cashback, discounts, and everything you need to spend with ease.
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For everyday spending you get more for your money with this account. If you are making regular transfers and drawing out cash, Premium will be a good choice.
Cashback, discounts, and everything you need to spend with ease.
Premium Plus
Main Account
£9.97 /month
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If you need an account for your wages and benefits, setting up regular payments or somewhere to pay cash in, Premium Plus is the best choice.
Enjoy full benefits, VIP phone queue jump, and maximum rewards. The ideal hassle-free alternative to a high-street bank for your main account.
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If you need an account for your wages and benefits, setting up regular payments or somewhere to pay cash in, Premium Plus is the best choice.
Enjoy full benefits, VIP phone queue jump, and maximum rewards. The ideal hassle-free alternative to a high-street bank for your main account.
Apply for your account online today – it takes just a few minutes!
Receive your account number & sort code immediately and your contactless Mastercard® debit card in 3–5 working days!
Start banking & earning cashback – no credit checks or hidden fees.
FAQs
Will opening a Suits Me account affect my credit score?
No. We do not run hard credit checks.
Can I get a bank account if I’m in an IVA/DMP or have CCJs?
Yes, these do not prevent you from opening an account.
What if another bank rejected me recently?
You can still apply — previous rejections don’t affect us.
Do you offer overdrafts or loans?
No, we keep your account simple and safe.
Can I get paid into this account?
Yes — wages, benefits and payments can be sent directly to your account.