The UK account for
freelancers amd self employed that opens
in minutes.
Freelancers & self-employed
No credit check. No minimum monthly deposit. No proof of regular income required. Just a straightforward account with a UK sort code, account number and Mastercard® — ready the same day.
✅ No credit check
✅ No minimum deposit
✅ No branch visit
✅ Open in ~3 minutes
Free Mastercard® · Account details issued same day* · GFSC regulated
*subject to application approval
Freelancers & self-employed
No credit check. No minimum monthly deposit. No proof of regular income required. Just a straightforward account with a UK sort code, account number and Mastercard® — ready the same day.
✅ No credit check
✅ No minimum deposit
✅ No branch visit
✅ Open in ~3 minutes
Free Mastercard® · Account details issued same day* · GFSC regulated
*subject to application approval
Common barriers
Banking for Freelancers and Self Employed can be a struggle
Standard account applications are often designed with employees in mind. If your income or circumstances don’t fit the standard criteria, Suits Me® may be worth considering. You can also read more about our no credit check account and account for bad credit.
Variable monthly income
Common barrier
Many account applications ask for proof of regular salary payments. As a freelancer, your income may vary from month to month — which can make standard applications more difficult.
✓ Suits Me® has no minimum deposit requirement
No employer to reference
Common barrier
Some applications ask for employer details or payslips as part of the verification process. If you work for yourself, you may find these requirements don’t apply to your situation.
✓ Suits Me® doesn’t ask for employer details
Limited credit history
Common barrier
If you’re new to the UK, recently started working independently or haven’t held credit products before, some applications may be declined due to insufficient credit history.
✓ Suits Me® runs no credit check
Uncertainty about account type
Common barrier
It’s not always clear whether sole traders need a personal or business account. Many freelancers end up applying for products that don’t suit their needs or come with unnecessary fees.
✓ Suits Me® is a straightforward personal personal account
Who it’s for
Built for the way modern workers get paid
Whether your income arrives weekly, monthly or project-by-project, Suits Me is designed to work around you.
Freelancers
Designers, writers, developers, marketers — anyone invoicing clients for project work. Your income isn’t regular and Suits Me doesn’t expect it to be.
Sole Traders & Tradespeople
Builders, plumbers, electricians, cleaners and other tradespeople who need an account for wages, tools and expenses — without a complex business account.
Content Creators
YouTubers, streamers, bloggers and social media creators receiving platform payments and brand deals. An account that accepts all payment types without question.
Contractors & Consultants
Working on short-term contracts across multiple clients? Suits Me gives you a stable UK account number and sort code to receive payments wherever the work comes from.
Creative Professionals
Musicians, artists, photographers and performers with irregular income streams. No minimum monthly payment required — deposit when you earn.
Everything included
Everything you need to manage your money
A full suite of everyday banking features — without the bank.
UK Sort Code & Account Number
Receive payments from clients, platforms and agencies just like any bank account.
Contactless Mastercard®
Use in store, online and abroad wherever Mastercard is accepted worldwide.
Instant Cashback
Earn unlimited cashback at Asda, Sainsbury’s, Argos, IKEA and more with every spend.
Mobile App & Online Banking
Check balance, freeze card, view statements and send payments — 24/7 from your phone.
Direct Debits & Standing Orders
Set up recurring payments for rent, utilities, software subscriptions and more.
Faster Payments
Send and receive money instantly via bank transfer — no delays, no waiting days.
PayPoint Cash Top-Up
Load cash onto your account at thousands of PayPoint locations across the UK.
Exclusive Discounts
Access member discounts across clothing, food, travel and more. Plus cash competitions.
The honest answer
No — HMRC doesn’t require it.
If you’re a sole trader, HMRC does not require you to have a separate business account. You are legally the same entity as your business, so there is no legal obligation to keep finances separate — though it’s good practice.
A Suits Me® personal personal account gives you a dedicated account for receiving client payments, managing invoices and tracking income — straightforward to open, with no minimum deposit and no credit check required. If you’ve previously been refused elsewhere, see our second chance account page.
If you’re a limited company, you will need a separate business account as your company is a separate legal entity. But for sole traders and freelancers, Suits Me® is a practical, accessible option worth considering.
A question we get asked a lot
Do I need a business account if I’m self-employed?
It’s a common question. The answer depends on your business structure — here’s a straightforward breakdown.
How to open
Open your account in around 3 minutes
You just need to be 18 or over, live in the UK and have one valid form of ID. No employer details. No payslips. No credit check. If you don’t have standard photo ID, see our no proof of address page for alternative documents we accept.
With photo ID (fastest)
- UK or international passport
- UK driving licence (full or provisional)
- National identity card
- Biometric Residence Permit (BRP)
- eVisa / share code
Without photo ID — List A
- Birth or adoption certificate
- HM Forces ID card
- Firearms certificate
Without photo ID — List B
- Bank, building society or credit union statement
- Utility bill (not mobile)
- Benefit book or DWP letter
- Council tax bill
Apply online in minutes
Complete a short application on your phone or computer. No branch visit, no appointment needed.
Verify your identity
Upload a photo of your ID. Our KYC and AML checks are completed as part of the application process.
Get your account details instantly
Your sort code and account number are issued the same day. Share them with clients immediately. Your Mastercard® arrives within a few days.
How we compare
Suits Me® vs a standard current account
How Suits Me® differs from a standard current account — particularly for freelancers and the self-employed. For a full breakdown of our features, visit our pricing page.
| Suits Me® | Standard current account | |
|---|---|---|
| Credit check | ✓ Not required | May be required |
| Minimum monthly deposit | ✓ None | May apply |
| Proof of regular income | ✓ Not required | May be requested |
| Employer details | ✓ Not required | May be requested |
| Variable income accepted | ✓ Yes | Varies by provider |
| UK sort code & account number | ✓ Issued same day | Timescales vary |
| Fully online application | ✓ Yes | Varies by provider |
| Cashback rewards | ✓ Unlimited | Varies by provider |
| No overdraft facility | ✓ Spend only what’s in | Overdraft may be available |
*Subject to AML regulatory requirements. Suits Me® is an personal account, not a bank account. Funds are not protected by the FSCS.
Choose your account
Pick the plan that suits your needs
All accounts include a UK sort code, account number and contactless Mastercard®. Upgrade or downgrade anytime — no hassle.
Essential
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For occasional use. No monthly fee. Everything you need to receive payments and manage day-to-day spending.
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For occasional use. No monthly fee. Everything you need to receive payments and manage day-to-day spending.
Premium
Most popular
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For regular use. Better cashback rates, lower transaction fees. Ideal if Suits Me is your main account for client payments.
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For regular use. Better cashback rates, lower transaction fees. Ideal if Suits Me is your main account for client payments.
Premium Plus
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For heavy use. Best rates, priority customer support and maximum cashback. For freelancers who want Suits Me as their primary account.
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For heavy use. Best rates, priority customer support and maximum cashback. For freelancers who want Suits Me as their primary account.
All accounts subject to identity verification and AML checks. Suits Me® is an personal account, not a bank account. Funds are not protected by the FSCS. View full pricing and fees
Common questions
Questions from freelancers & the self-employed
Can I use a Suits Me® account to receive client payments?
Yes. Your Suits Me® account comes with a full UK sort code and account number. You can share these details with any client, platform or agency and receive payments exactly as you would with a high street bank account. Faster Payments, BACS and standing order transfers are all supported.
Do I need a business account if I’m self-employed or a sole trader?
No — if you are a sole trader, HMRC does not require you to have a separate business account. You and your business are the same legal entity, so a personal personal account like Suits Me® is entirely legitimate for receiving freelance income and managing business expenses. If you are a limited company, you will need a business account as your company is a separate legal entity.
Will you check my credit history when I apply?
No. Suits Me® does not run a credit check as part of the application process. Your credit score and credit history are not taken into account. As long as you can verify your identity, your application will be considered regardless of your financial past. You can find out more on our no credit check account page.
Is there a minimum amount I need to pay in each month?
No. There is no minimum monthly deposit requirement with any Suits Me® account. You can deposit as much or as little as you need, whenever you get paid. This makes it well suited to freelancers and self-employed people whose income varies from month to month.
Can I receive payments from overseas clients?
Suits Me® accounts accept payments made via UK Faster Payments, BACS and CHAPS. For international payments, your client would need to send a SWIFT transfer to your UK account. We recommend checking with our customer care team about receiving specific international payment types before expecting a transfer.
Can I use my Suits Me® account for business expenses?
Yes. You can use your Suits Me® Mastercard® to pay for business expenses — software subscriptions, equipment, travel and more. Your transaction history is available in the app and online, making it straightforward to track spending for self-assessment purposes. We recommend keeping a separate account for business and personal finances where possible, though it is not a legal requirement for sole traders.
Is Suits Me® a bank account?
No — Suits Me® is a GFSC-regulated personal account, not a bank account. It provides all the everyday features you need: a UK sort code and account number, a contactless Mastercard®, Direct Debits, Faster Payments and a mobile app. The key difference is that funds held in your account are not protected by the Financial Services Compensation Scheme (FSCS). View our full terms and pricing
What if I’ve been refused by other banks?
Being refused by another provider is one of the most common reasons people come to Suits Me®. Because we don’t run a credit check and have no minimum deposit requirement, previous refusals, poor credit history or no credit history at all will not affect your application with us. Subject to identity verification and AML regulatory requirements. You may also want to read our pages on accounts for bad credit and second chance accounts.
Related pages
Other accounts you might be looking for
Account type
Account for Bad Credit
No credit check. No minimum score. Open an account regardless of your credit history.
Account type
Second Chance Account
Previously refused or dealing with past financial difficulties? A second chance account may help.
Account type
No Credit Check Account
Open an account with no hard search on your credit file and no impact on your credit score.
Account type
Account for Expats
New to the UK or without a UK address history? We accept applications from foreign nationals and new arrivals.
Your account. Open in minutes.
No credit check. No minimum deposit. No employer details. Just a straightforward account that works for the way you earn.
Free Mastercard® included · Account details issued same day · KYC & AML checks completed on all applications · Suits Me® is an personal account, not a bank account · Funds not protected by the FSCS