The UK account for
freelancers amd self emplyed that opens
in minutes.
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.
Free Mastercard® · Account details issued same day* · GFSC regulated
*subject to application approval
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.
Gig Economy Workers
Uber, Deliveroo, Uber Eats, Amazon Flex, TaskRabbit and similar platforms. Your earnings go straight in via sort code and account number, exactly like any employer payment.
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 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.
Быстрые платежи
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.
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.
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 e-money 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.
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.
Удостоверьте свою личность
Upload a photo of your ID. Our KYC and AML checks are completed as part of the application process.
Получите данные своей учетной записи мгновенно
Your sort code and account number are issued the same day. Share them with clients immediately. Your Mastercard® arrives within a few days.
