Banking account for bankruptcy
Get back on track with a secure, reliable account — no credit checks required.
If you’re facing bankruptcy or have recently been declared bankrupt, Suits Me® can help. We believe everyone deserves access to modern banking-like services, regardless of your financial history.
✅ No credit checks or hidden fees
✅ Full UK sort code & account number
✅ Free contactless debit card
✅ Access to cashback rewards & money management tools
Get back on track with a secure, reliable account — no credit checks required.
If you’re facing bankruptcy or have recently been declared bankrupt, Suits Me® can help. We believe everyone deserves access to modern banking-like services, regardless of your financial history.
✅ No credit checks or hidden fees
✅ Full UK sort code & account number
✅ Free contactless debit card
✅ Access to cashback rewards & money management tools
Why choose Suits Me?
When you go through bankruptcy, traditional banks may freeze or close your account. That’s where Suits Me steps in.
We help you take control again, with an easy-to-open personal account that gives you everything you need to manage your money confidently.
- Receive your wages, benefits, or pension safely
- Pay bills, set up direct debits, and transfer money
- Shop online and in-store with your Suits Me® debit card
- Track your spending with our mobile app & online banking
- Access exclusive cashback with popular UK retailers*
*subject to retailer T&Cs
No complicated forms. No long waits. Just a quick, simple, secure account designed for people who’ve been through financial difficulties, including bankruptcy.
No credit checks – ever
At Suits Me, we understand that past financial issues shouldn’t stop you from accessing everyday banking features.
That’s why we don’t run any credit checks when you apply.
Your financial past won’t affect your ability to open an account and start fresh.
A modern account with all the banking-like features you need
With a Suits Me account, you’ll get:
- A UK account number and sort code
- A contactless Mastercard® debit card
- Mobile app & online account access
- Instant payments and transfers
- Cash deposits at PayPoint and Post Office branches
Manage your money, pay your bills, and get paid — all from one easy-to-use account.
Suits Me customer |
“I’ve had problems with credit and was refused by banks for even a basic account which left me with no way of receiving wages. Suits me offered a solution and my account is now open. Very easy to apply and card was shipped within 24 hours of first applying. Went with the higher tier account for apps £10/month as I think its the best value if you’re going to use it regularly. Great alternative to a high street bank.” |
| Suits Me customer |
“Terrible credit and bankrupt couldn’t get an account anywhere! Accepted quickly and even though I made a mistake on application, Suits Me dealt with it in good time and I’m now an account holder again! Bad credit etc try Suits Me!!” |
| Suits Me customer |
“Been getting refused left right and centre for banks but suits me accepted me and was all very fast ! Cards in the post !” |
Dont just take our word for it!
Suits Me is a great alternative for those with a damaged credit score. Just look at the thousands of happy account holders on Trustpilot.
Why Suits Me?
Suits Me is designed for people who need a banking-like solution without the barriers of traditional banks.
- Trusted by thousands of UK customers
- Award winning customer service
- Financially inclusive — no credit checks, no judgement
- Safe, secure, and regulated
Join the thousands of people changing their lives
Nesha’s story
Eddie’s story
Peter’s story
Awards
British Bank Awards
Best Current Account Provider 2022 Finalist
SME News
Most Innovative Banking Service 2023
British Bank Awards
Best Newcomer 2020 Highly Commended
As seen on
BBC
Dave
Yahoo Finance
Sky Atlantic
Evening Standard
Daily Mail
Mirror
We have an account that will suit you
Essential
Best for occasional use
Pay as you go /month
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Essential is our pay as you go card. An instant account to give you flexibility and control when you need a separate account. Our customers who need an account to use now and again rather than as a main account choose Essential. Although there is no set monthly fee, individual charges are higher than the other account types. Overall monthly costs can be higher than our other account types if used as a main account or high volumes of payments.
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Essential is our pay as you go card. An instant account to give you flexibility and control when you need a separate account. Our customers who need an account to use now and again rather than as a main account choose Essential. Although there is no set monthly fee, individual charges are higher than the other account types. Overall monthly costs can be higher than our other account types if used as a main account or high volumes of payments.
Premium
Best for basic usage
£4.97 /month
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Our Premium account is packed with extras. This account will let you do everything you need to manage your money whilst giving you cashback and discounts. Customers who need a basic and functional account for wages and benefits or have multiple payments into their account choose Premium.
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Our Premium account is packed with extras. This account will let you do everything you need to manage your money whilst giving you cashback and discounts. Customers who need a basic and functional account for wages and benefits or have multiple payments into their account choose Premium.
Premium Plus
Best for main account
£9.97 /month
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Our Premium Plus account is loaded with value plus you receive our VIP queue jump service. This account is a favourite with our customers with its inclusive package. The Premium Plus account is normally the cheapest option for those who want a fully functional bank account replacement as average usage is all included.
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Our Premium Plus account is loaded with value plus you receive our VIP queue jump service. This account is a favourite with our customers with its inclusive package. The Premium Plus account is normally the cheapest option for those who want a fully functional bank account replacement as average usage is all included.
FAQs
Can I open a bank account after being declared bankrupt?
Yes, you can.
Even if you’ve been declared bankrupt, you can open a Suits Me personal account with all the features of a traditional bank account.
There are no credit checks, and you’ll get your own UK account number and sort code, plus a contactless debit card.
Does Suits Me run credit checks when I apply?
No. Suits Me never runs credit checks.
Your financial history or bankruptcy status won’t affect your application. We believe in giving everyone access to modern financial services, regardless of past difficulties.
What can I do with my Suits Me account?
With your account, you can:
- Receive wages, benefits, or pensions
- Pay bills and set up direct debits
- Shop online and in-store
- Transfer money instantly
- Deposit cash at PayPoint or the Post Office
It’s a full banking-like experience, designed for people who may not qualify for a high street bank account.
Is Suits Me a bank?
Suits Me is not a traditional bank — it’s a financially inclusive account provider, offering all the banking-like features you need.
You’ll still get a debit card, account number, sort code, online access, and security, just without the barriers that traditional banks create.
How long does it take to open a Suits Me account?
You can open your account online in under 5 minutes.
Once your ID is verified, your debit card will arrive within 3–5 working days, ready to activate and use right away.
Can I receive my wages or benefits into my Suits Me account?
Yes. You can receive your salary, Universal Credit, benefits, or pension payments directly into your account — just like with a normal bank account.
Is it safe to use Suits Me® if I’ve been bankrupt?
Absolutely. Suits Me is a secure and regulated financial service provider.
Your money is kept safe in safeguarded accounts, separate from company funds, and your bankruptcy status does notaffect your account’s security or functionality.
Can Suits Me help me rebuild my finances after bankruptcy?
Yes. Using your Suits Me account regularly, such as paying bills, receiving income, and managing your money, helps you develop healthy financial habits after bankruptcy.
It’s a simple way to regain stability and confidence in your finances.
What documents do I need to open an account?
You’ll need one valid form of photo ID (like a passport, driving license, or national ID) or, if you don’t have photo ID, we accept alternatives.
The process is fully digital and takes just a few minutes.
Why choose Suits Me if I’m going through bankruptcy?
Because we make financial inclusion simple.
- No credit checks
- Fast online application
- Debit card & banking tools
- Cashback rewards
- Transparent pricing
We’re designed for people who’ve been financially excluded by traditional banks.
Apply online today for a
Suits Me debit card in just 3 minutes.
It’s this easy.
You will receive your FREE Mastercard® debit card within a couple of days, sent via first class post with Royal Mail.