For some, opening a bank account in the UK can prove difficult, especially if you have poor credit / bad credit or no credit history.
Why Banks Perform Credit Checks
Most UK banks perform credit checks which you are required to pass in order to open a bank account with them. This is usually a requirement from a bank as they offer their customers the option of an overdraft facility.
No Credit Check UK Current Account
At Suits Me we understand that not having access to a bank account can prove stressful and can affect how you live your life.
Not having access to a bank account can potentially stop you from:
- Getting a job
- Accepting Universal Credit payments
- Saving time by paying for bills using Direct Debits and Standing Orders
- Being able to buy products and services online or over the phone
Suits Me is a UK alternative to a high street bank account with a contactless Visa debit card and banking features including direct debits, standing orders, bank transfers (UK and International) and more. Suits Me accounts come with online banking and mobile banking apps in order to safely and securely manage your money.
We strongly believe in financial inclusion and that everyone should have access to a banking account to be able to manage their money and finances. Especially in today's modern society and digital living.
Is a Suits Me Current Account Right for you?
A Suits Me account is perfect for you if:
- You’re struggling to get a bank account with a high street bank
- You’ve had problems getting any other type of bank account
- You have a poor or bad credit rating
- You have no credit history
- You’re currently going through IVA or Bankruptcy
- You’re new to the UK
How to Open an Account Without a Credit Check
Don’t worry or stress about your credit history, we are here to help!
Not only do we not perform credit checks on our customers, but we also don’t need a proof of address or a National Insurance number to open an account with us.
What do I Need to Open a Suits Me Account?
To open your Suits Me account and receive your debit card, you’ll need to be 18 or over and have one of the following:
- Driving License
- National ID Card
Open your UK Current Account Today Without any Credit Checks
Once you have complete the application form, your Suits Me account will be open within 10 minutes. you'll receive instant access to your account number and sort-code and online banking and mobile banking apps to be able to start managing your money and finances. Keep an eye out for your debit card, it will arrive in the post (to the address given when applying) within 3-5 working days.
Does Suits Me Need to Check My Credit Record and Credit Rating?
No, we don’t require any credit checks to be performed in order to open one of our UK current accounts.
Can I get Online Banking Without a Credit Check?
Yes, all Suits Me accounts come with free online banking and we don’t perform any credit checks when opening an account with us.
Can I get a Bank Account with Little or Poor Credit History?
Some UK banks offer basic bank accounts however, these often come with very limited access to banking features and functions. Suits Me is an alternative banking solution with a full array of banking features including online banking, direct debits, standing orders, banking transfers (UK & International and more).
Suits Me accounts are available to anyone currently residing in the UK and 18 or over. No credit checks are performed and we also don't require proof of address or National Insurance Numbers.
Is Suits Me a No Credit Check Account?
Yes. To us, the health of your credit rating doesn’t matter. We don’t perform any credit checks when opening an account with us.