Our Essential account is a great choice for you.
If you require a no strings account, Essential is what you need.
✅ No verified proof of address
✅ No photo ID* needed
✅ No credit checks
✅ Open your account in minutes
*subject to AML and regulatory requirements
If you require a no strings account, Essential is what you need.
✅ No verified proof of address
✅ No photo ID* needed
✅ No credit checks
✅ Open your account in minutes
*subject to AML and regulatory requirements
Open an Essential accountWhy customers choose our Essential account?
Our Essential customers want a simple second account with us to compliment their main bank account. An instant account to give you flexibility and control when you need a separate account.
Opened in 3 minutes, with no credit checks and no minimum deposits, but rewards as standard. Pay as you go isn’t for everyone but suits many of our customers who don’t need a main bank account. An account to use now and again, to budget, save or just enjoy cashback and discounts.
You can have a virtual face-to-face account manager, enjoy discounts and rewards, and win monthly prizes. A Suits Me account will suit you.
Is Essential right for you?
Our Essential account works for everyone, no matter your situation.
See why some of our customers switched to a Suits Me Essential account.
Sean
New to UK
Sophie
Had a Cifas marker
Howard
Wanted a separate account to enjoy cashback
Essential Account
Best for occasional use
Essential is our pay as you go card – to give you flexibility and control when you need a separate account. Our customers who need an instant account with all the partner benefits and discounts, to use now and again rather than as a main account, choose Essential.
Payments |
Essential |
| Suits Me to Suits Me payments | FREE |
| Local transfers in | £1.25 |
| Local transfers out | £1.49 |
| Direct Debits (managed) | £2.00 |
| Standing Orders | 60p |
Cards |
|
| Contactless debit card | FREE |
| Card delivery | FREE |
| Card spending in foreign currency | £1.00 + 2% |
| PayPal integration |  |
| Google Pay | |
| Apple Pay | Coming soon |
Cash |
|
| ATM withdrawals (UK) | £1.50 |
| ATM withdrawals (Europe) | £1.50 + 2% |
| ATM withdrawals (international) | £2.50 + 2% |
| Cash Top Ups (Paypoint) | £2.30 + 2.6% |
| Cash Top Ups (Post Office) | £2.30 + 1% |
Extras |
|
| Cashback on spending | |
| Retailer discounts | |
Customer support |
|
| Multi-lingual customer care | |
| VIP Queue Jump |  |
| Face-to-face virtual service | |
The occasional use card
Packed with extras, this account will let you do everything you need to manage your money. Saving you time on phone calls to manage your money or the need for branch visits. The Essential account gives you a fresh start, with friendly customer support when you need it. Giving you the peace of mind that you are in control of your money.
Open an Essential account
Amazing features & benefits with every account
Payments and transfers
Receive and send money in the UK and send money abroad easily. Have wages or benefits sent directly to your account, send a Faster Payment or cash top up at any PayPoint store.
Cashback as standard
Save money when you use your Suits Me card in our partner retail stores or when you shop online. You’ll get cashback back into your Suits Me account.
Discounts with top brands
Access our exclusive customer discounts with top brands. We have different partners every week for you to enjoy great money-off deals.
24/7 access
Instant access to your account wherever, whenever, with the Suits Me App.
Refer a friend
Refer your friends to apply and use their Suits Me card, and earn £25 per friend! No limit on the number of friends you refer.
Account holder competitions
Join in our exclusive account holder competitions every month for the chance to win cash prizes, amazing discounts and much more.
What do our customers say?
Suits Me is a great alternative for those with a damaged credit score. Just look at the thousands of happy account holders on Trustpilot.
Suits Me customer |
“Great account! Eventually someone accepted me as an account holder. Thanks to Suits Me for making it the easiest application I’ve had to do so far.” |
| Suits Me customer |
“Best card! Excellent service from Suits Me, so easy to set up and got card real quick.” |
| Suits Me customer |
“I’ve always found it easy enough, for withdrawing, depositing, and everything else that I need a bank for. Thank you, Suits Me.” |
Bank account vs. Suits Me account
We provide the features you need to manage your money, without any hassle.
Account feature |
Suits Me |
High Street Bank |
| No credit checks |  |
x |
| Open online in minutes | |
x |
| No photo ID required* | |
x |
| No verified proof of address required | |
x |
| Unlimited cashback rewards | |
x |
| No minimum deposit | |
|
| Contactless payments | |
|
| Mobile App | |
|
| Direct Debits & standing order | |
|
| Transfers locally & internationally | |
|
| Discounts on top brands | |
|
| Virtual customer service | |
|
| Multilingual customer service | |
|
How to open your account
1. Hit the button
2. Fill out the form
3. Download the App
Suits Me Awards
British Bank Awards 2024 FINALIST Best Current Account Provider
SME News Business Elite Awards 2023 WINNER Most Innovative Banking Service
British Bank Awards 2022 FINALIST Best Current Account Provider
Open your account today
Apply for a personal account today – with no credit checks – and get your Mastercard® debit card in 3-5 working days!
FAQs
What ID do I need to open a bank account?
Banks require a proof of identity document (photo ID) and proof of address (a utility bill, council tax or bank statement).
Suits Me do not require proof of address or photo ID to open an account*. We accept many alternatives.
*subject to AML regulatory requirements
Why do I need to provide ID?
You need to provide ID to enable account providers to prevent fraud and money laundering. You need to prove your identity when you apply for a bank account. Suits Me offer so many alternatives to ensure you have the opportunity to open an account with us.
How much can I withdraw from my account?
See our T&Cs
Does the Essential account have an overdraft?
No, Suits Me do not offer overdrafts with accounts.
How long does it take to open an account?
Our accounts can be opened in minutes online.
How do I transfer money to another bank account?
It’s really easy to transfer money from your Suits Me account to another bank account using our app. Simply select add Payee using the full name of the recipient, account number and sort code and add an amount. Your transfer will be received in less than 2 hours.
How often do DWP check bank accounts?
DWP will only check bank accounts if fraudulent claims are suspected. Currently the mainstream banks are the primary account providers that will be checked.
Can I open a bank account online?
If you have the correct ID and a sufficient credit score you can open a bank account online. If you do not, it is unlikely you can open an account online with a mainstream bank.
You can open an account with Suits Me online, whatever your situation.
How many bank accounts can I have?
There are no limits on the number of bank accounts you wish to have. It depends on your preference and financial habits.
How do I put cash into a bank account?
For a mainstream bank account, you will need to go to your nearest branch.
To add cash to your Suits Me account, you can visit any Post Office or PayPoint.