Second Chance Bank Account
If you have been rejected by a bank account, you still have options. Suits Me offer a Second Chance account, built for people who have been refused by a mainstream bank:
✅No credit checks
✅No lengthy approval process
✅No CIFAS marker check
✅Apply for an account in 3 minutes
✅Get a UK account number & sort code once verified*
* podlega wymogom regulacyjnym AML
If you have been rejected by a bank account, you still have options. Suits Me offer a Second Chance account, built for people who have been refused by a mainstream bank:
✅No credit checks
✅No lengthy approval process
✅No CIFAS marker check
✅Apply for an account in 3 minutes
✅Get a UK account number & sort code once verified*
* podlega wymogom regulacyjnym AML
Otwórz kontoTysiące ludzi
zaufanie mi odpowiada
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The best personal account to have. The app is great, and the team is always there when you need them, 24/7. Any issues are sorted in seconds. I highly recommend Suits Me!
Julia, klientka Suits Me
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This was my last chance, and I’m so glad I found Suits Me. It’s been a lifesaver. There are some fees, but they’re reasonable and the account is worth it.
Michael Emm, Suits Me customer
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I’ve been struggling to get work without a personal account and suits me have gave me a chance they have been brilliant so far thanks.
Nathan Noon, klient Suits Me
Why get a second chance account?
A second chance account has more flexibility than most traditional bank accounts. Here are the key differences:
| Funkcja | Suits Me Second Chance Account | Traditional Bank Account |
|---|---|---|
| Credit check required | Nie | Usually yes |
| Application time | Minutes | Lengthier process with checks |
| CIFAS checks required | Nie | Often yes |
| Offers alternative ID | Tak | Sometimes |
| Affected by past account closures | Nie | Often yes |
| Receive wages / benefits | Tak | Tak |
| Direct debits and standing orders | Tak | Tak |
| Zwrot gotówki za wydatki | Tak | Rarely |
Second Chance Account Benefits and Features
With a Second Chance account, you get the everyday features you need to manage your money – plus a few extras most mainstream banks don’t offer.
No credit check, no CIFAS check
Bad credit will not impact your application. As we do not conduct credit checks at Suits Me, your CIFAS marker will not stop you in opening an account to manage your money.
Apply with alternative ID
We accept over 20 alternative IDs, so a lack of standard ID doesn’t have to stop you opening an account.
Cashback and Discounts
Unlock instant cashback and exclusive discounts when you shop with our retail partners.
24/7 Mobile App
Manage your money from the free Suits Me mobile app. Get instant spending notifications, add and remove payees instantly, and access your account whenever you need it.
No minimum deposit required
Open an account with no minimum deposit needed.
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 top up with cash at any PayPoint store.
I’ve Been Refused a Bank Account – How Can I Receive My Wages or Benefits?
If you’ve been refused a bank account, you can still receive wages, salary or eligible benefits into an alternative account that provides you with your own UK sort code and account number.
A Suits Me Second Chance account gives you these account details, so you can provide them to your employer or benefits provider to receive payments directly into your account.
There’s no credit check to apply, and you can open an account online in around 3 minutes.
How to open a second chance account
You can open a Suits Me account in three simple steps:
- Choose an account – Complete the online application in around 3 minutes.
- Verify your identity – Provide photo ID and a selfie, or use one of several accepted alternatives if you don’t have standard ID.
- Start using your account – Get your account number and sort code instantly* then receive your contactless debit card by first class post.
*subject to AML regulatory requirements
FAQS
Co zrobić, jeśli żaden bank mnie nie zaakceptuje?
Odmówiono ci już nie raz? Nie jesteś sam i wciąż masz szanse. Serwis Suits Me powstał właśnie z myślą o takich sytuacjach. Nie oceniamy twojej przeszłości; po prostu pomagamy ci założyć konto, które da ci drugą szansę, abyś mógł śmiało iść naprzód.
Czy Suits Me sprawdza zdolność kredytową?
Nie. Nie sprawdzamy historii kredytowej podczas składania wniosku. Twoja ocena kredytowa nie określa tego, kim jesteś, i nie stanowi przeszkody w założeniu konta w naszej firmie.
Czy możesz mieć dwa konta w Wielkiej Brytanii?
Tak, to możliwe. Nie ma żadnego przepisu zabraniającego posiadania więcej niż jednego konta. W rzeczywistości wiele osób korzysta z drugiego konta, aby mieć kontrolę nad rachunkami, rozdzielić wydatki lub po prostu zacząć od nowa. Suits Me doskonale sprawdza się zarówno jako konto główne, jak i dodatkowe, o ile wybierzesz odpowiedni typ konta.
Jak długo trwa czarna lista banków w Wielkiej Brytanii?
Jeśli znalazłeś się na czarnej liście, np. w systemie CIFAS lub w agencji informacji kredytowej, wpis ten może pozostać tam nawet przez 6 lat. Suits Me nadal może założyć Ci konto „drugiej szansy”, z zastrzeżeniem wymogów regulacyjnych dotyczących przeciwdziałania praniu pieniędzy,
Can I get my wages or benefits paid into a Second Chance account?
Yes. You can have wages, benefits, or any other regular payments paid directly into your Suits Me account.
Will being refused a bank account affect my credit score?
A refused application itself doesn’t damage your credit score, but the search a bank carries out (a “hard” credit check, if used) can leave a mark on your file, and multiple declines in a short space of time may affect how future lenders view you. Opening a Second Chance account doesn’t involve a credit check either way.