Looking for a Monzo alternative?
Suits Me® has the account for you. No ID needed, bad credit accepted, and instant cashback. Open your Monzo alternative in 3 minutes and enjoy banking that’s inclusive, easy, and rewarding.
The smart alternative
to Monzo
With an easy application process, simple accounts with transparent fees, and straightforward reward schemes, Suits Me® is a great alternative to Monzo.
Inclusive banking for all
Whether you have bad credit, a CIFAS marker, are new to the UK, or have struggled to open a traditional bank account – Suits Me® is here to help.
No photo ID needed
You don’t need a passport or proof of address. Just a quick selfie and the ID you already have.
No unexpected fees
Choose from 3 simple account plans with clear, transparent pricing.
Multilingual customer care
Our UK-based customer care team speaks over 15 languages, ready to help via chat, email, phone, or video call.
Unlimited instant cashback
Enjoy unlimited instant cashback at top retailers with every Suits Me® account – no limits, no waiting.
Instant cashback
Start saving instantly
Get instant, unlimited cashback paid straight into your account when you shop with our retail partners. Including Argos, Asda, B&Q, Foot Locker, IKEA, New Look, Sainsbury’s and many more.
Online banking
that’s simple & rewarding
Easy to use banking app
Instant everyday cashback
Free contactless debit card
100s of discount partners
Join over 400k
people using Suits Me
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Suits Me’s service is incredible, both by email and phone are excellent, thank you for the support and great help!
Jane, Suits Me customer
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A really great experience with Suits Me, super friendly and helpful. Also pointed out some features I hadn’t even noticed before. Really appreciated the extra effort.
Tom, Suits Me customer
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Brilliant service, customer service done very professionally. Polite and patient. I would recommend using – brilliant reward schemes as well.
Ciaran, Suits Me customer
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An outstanding experience while opening my account. Incredibly helpful, guiding me through every step with patience and expertise. Smooth and stress-free process.
Damian, Suits Me customer
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Caring, friendly and patient customer care. I got a call from Jarryd. He was friendly, well-spoken and extremely patient with me and the questions I asked. Thank you!
Debbie, Suits Me customer
Our accounts
are designed to suit you
Premium Plus
Best for main account
£9.97/ month
Our inclusive card loaded with value, plus our VIP service. A great alternative to a high street bank account.
Premium
Best for basic use
£4.97/ month
Our everyday card, ideal for a basic main account, with benefits and extras to manage your money.
Essential
Best for occasional use
Pay as you go
Our pay-as-you-go card that gives flexibility when you need a separate account – with benefits.
It’s easy
to open your account
Choose an account
Enter your details
Download our app
Why choose us
Account feature |
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Monzo |
| Open online in just 3 minutes |  |
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| Instant cashback on all accounts | |
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| No photo ID required* | |
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| Multilingual UK customer service | |
x |
| Top brand discounts on all accounts | |
x |
| Free contactless card & free postage | |
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| Prepaid card option | |
x |
| No verified address needed* | |
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| International ATM withdrawals | |
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FAQs
What is Suits Me® and how is it different from Monzo?
Suits Me® is a UK-based alternative banking solution offering e-money accounts without credit checks or strict ID requirements. Suits Me® is built for accessibility, especially for those new to the UK, with poor credit, or without traditional documentation.
Can I use Suits Me® to send money abroad?
Yes, Suits Me® supports international transfers through trusted third-party partners, giving you access to global money transfer services from within your account.
Will I get a physical debit card with Suits Me®?
Absolutely. Every Suits Me® account comes with a contactless Mastercard® debit card delivered to your door within 3–5 working days.
Does Suits Me® offer overdrafts, loans or credit?
No. Suits Me® does not offer credit facilities like overdrafts or loans. This helps ensure responsible money management and avoids unexpected debt.
How is Suits Me better for people with poor credit?
Suits Me® doesn’t run credit checks and accepts customers with CCJs, CIFAS markers, or no credit history at all. It’s an inclusive account designed for those who may be excluded from traditional banking options.
What are the main differences between Suits Me and Monzo?
While Monzo is a digital bank requiring ID verification and credit checks for some services, Suits Me® offers a simpler setup with fewer barriers. With multilingual support, no credit checks, and instant cashback on spending, Suits Me® is designed for ease, inclusion, and flexibility.