Bank account for bad credit
Struggling to get a bank account because of bad credit?
Open a Suits Me® account in minutes —a bank account alternative with all the everyday features you need- no credit checks, no judgement
✅ No credit checks
✅ Instant sort code & account number
✅ Easy online application
✅ Suitable if you’ve been rejected by a traditional bank
Struggling to get a bank account because of bad credit?
Open a Suits Me® account in minutes —a bank account alternative with all the everyday features you need- no credit checks, no judgement
✅ No credit checks
✅ Instant sort code & account number
✅ Easy online application
✅ Suitable if you’ve been rejected by a traditional bank
Nesha’s story
Eddie’s story
Peter’s story
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Really easy to use and very simple to set up, even if you have bad credit.
Suits Me customer
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Suits Me is an excellent excellent account for bad credit. Customer service from jarred was top notch, very polite and informative. Highly recommend 👌
Melanie, Suits Me customer
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Suits me is actually a good company for generalised money management. It’s easy to apply for and to get a card even if your credit file isn’t that good and they check in on you, like Naomi who called me today check in and see how I was getting on, also gave some great tips on how to use the account.
Paris, Suits Me customer
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It’s good for people with poor credit history. This is the best personal account
Anthony, Suits Me customer
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Helpful. Easy to make an account as I have bad credit score.
Plam, Suits Me customer
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Suits Me was quick, efficient, and easy to use. Through financial problems out of my control effecting my credit score, I was refused an account everywhere but Suits Me, I was accepted in minutes and they are sending me my card within 3 days, I recommend!
Marc, Suits Me customer
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This company will be a Godsend for many people who got themselves into debt or can’t get a bank account, it’s a great company and I met a lovely lady today called Charley, part of customer care team.
Lynne, Suits Me customer
Can I open a bank account with bad credit?
Yes, having bad credit doesn’t automatically stop you from opening an account. Alternative providers like Suits Me offer accounts designed for people who may have been declined elsewhere.
Some traditional banks may carry out credit checks and other eligibility assessments when you apply, which can make it more difficult for people with a poor credit history to be accepted. Depending on the provider, they may:
- Carry out hard credit checks
- Request 3 years verified address history
- Decline applications with CCJs, defaults, arrears or past missed payments
- Restrict certain features if you’re in debt recovery
If you’ve been turned down by one provider, it doesn’t necessarily mean you won’t be accepted by another.
What bank account can I get with bad credit?
If you’ve been declined because of bad credit, Suits Me offers an alternative. We provide a personal account that gives you many of the everyday features you’d expect from a traditional bank account including:
- A UK account number and sort code
- Mastercard® debit card
- Direct Debits and Standing Orders
- The ability to receive wages and eligible benefits.
- A mobile banking app to manage your account
Unlike many traditional banks, we don’t carry out credit checks when assessing applications, although all applications remain subject to identity verification and eligibility checks.
Can I get a bank account without a credit check?
Yes, you can get an account without a credit check.
Suits Me doesn’t carry out credit checks when assessing applications. Instead, we verify your identity in line with UK anti-money laundering regulations. Although Suits Me isn’t a bank, our personal accounts are designed to help you manage your everyday money– regardless of your financial past.
Which bank account is best for bad credit?
The best bank account for bad credit depends on your individual circumstances and what you need from your account. If you’ve been declined by a traditional bank, look for an account that gives you the everyday features you need without relying on your credit history.
| Looking for… | Suits Me Personal Account | |
|---|---|---|
| No credit checks | ✅ | |
| No CIFAS marker checks | ✅ | |
| UK account number & sort code | ✅ | |
| Mastercard® debit card | ✅ | |
| Receive wages and eligible benefits | ✅ | |
| No 3 years of address | ✅ | |
| No minimum deposit to open | ✅ | |
| Cashback rewards and discounts | ✅ | |
| Mobile banking app | ✅ |
Why choose Suits Me if you have bad credit?
We focus on giving you access, not judging your past.
No credit checks
Your credit history does not affect your application.
No 3 years of address history
We don’t require 3 years verified proof of address.
No overdraft or borrowing
This keeps your account simple and low risk.
Quick online setup
Apply in minutes from your phone – no branch visits.
Designed for real-life financial experiences
From credit recovery to simple budgeting, your account works for you.
*subject to AML and regulatory requirements
Can I open a bank account with an IVA, DMP, CCJs, defaults & bankruptcy?
Yes, you can open an account.
Your past financial events do not prevent you from opening an account with Suits Me®. Even if you currently have or previously had an Individual Voluntary Arrangement (IVA), you may still be eligible to apply. If you’re looking for the best bank account after IVA, Suits Me offers an alternative option designed for people rebuilding their financial history.
Here’s how mainstream banks see each situation — and why we handle it differently:
IVA
Banks may restrict accounts — we don’t.
DMP
Banks see it as ‘financial instability’ — we don’t.
CCJs
A major rejection trigger for banks — not for us.
Defaults
Bank systems automatically decline — Suits Me® does not assess applications based on credit history. .
Bankruptcy
Many banks refuse new accounts — you can open with us online.
If you’re rebuilding your finances, you don’t need a bank’s approval to move forward.
Need to open an account with CIFAS markers?
Being a victim of fraud can lead to unfair banking restrictions.
Many banks’ systems automatically reject applications when a CIFAS marker appears.
Suits Me® offers an accessible alternative, supporting people affected by impersonation or fraud-related blocks. Unlike many traditional banks, we don’t use the CIFAS database when assessing applications, so having a CIFAS marker doesn’t automatically prevent you from applying.
Who can open a bank account with bad credit?
Not everyone with bad credit has the same financial circumstances. Whether you’ve experienced a temporary setback or have been declined by a traditional bank, there are still account options available. A Suits Me personal account could be suitable if you:
- Have been rejected by traditional banks and need a second chance account
- Are recovering from debt
- Have poor or limited credit history
- Are in an IVA or DMP
- Are newly discharged from bankruptcy
- Have a CIFAS marker
- Need an accessible, everyday account
Suits Me® gives you financial independence — fast.
How Do I Open An Account with Bad Credit?
Choose an account
Enter your details
Download our app
Choose the right account for you
Essential
Back Up Account
pay as you go
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If you already have a main bank account and want a back-up personal account that’s easy to open and use, this account is perfect for you.
For occasional monthly spending with a pay-as-you-go flexible card and mobile app. If you are doing more than a handful of transactions each month our other accounts may be better for you.
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If you already have a main bank account and want a back-up personal account that’s easy to open and use, this account is perfect for you.
For occasional monthly spending with a pay-as-you-go flexible card and mobile app. If you are doing more than a handful of transactions each month our other accounts may be better for you.
Premium
Spending Account
£5.97 /month
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For everyday spending you get more for your money with this account. If you are making regular transfers and drawing out cash, Premium will be a good choice.
Cashback, discounts, and everything you need to spend with ease.
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For everyday spending you get more for your money with this account. If you are making regular transfers and drawing out cash, Premium will be a good choice.
Cashback, discounts, and everything you need to spend with ease.
Premium Plus
Main Account
£9.97 /month
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If you need an account for your wages and benefits, setting up regular payments or somewhere to pay cash in, Premium Plus is the best choice.
Enjoy full benefits, VIP phone queue jump, and maximum rewards. The ideal hassle-free alternative to a high-street bank for your main account.
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If you need an account for your wages and benefits, setting up regular payments or somewhere to pay cash in, Premium Plus is the best choice.
Enjoy full benefits, VIP phone queue jump, and maximum rewards. The ideal hassle-free alternative to a high-street bank for your main account.
Apply for your account online today – it takes just a few minutes!
Once approved, receive your account number & sort code immediately and your contactless Mastercard® debit card in 3–5 working days!
Start managing your money & earning cashback – no credit checks or hidden fees.
FAQs
What is a bad credit account?
A bad credit bank account is a term people use when looking for a way to manage their money after being declined by traditional banks. These are often basic accounts, prepaid accounts, or bank account alternatives designed to work without relying on a strong credit history.
Do bad credit bank accounts require a credit check?
Many alternatives to a bank account when you have bad credit do not require a credit check, as they don’t offer overdrafts or borrowing, Suits Me is an example. This can make it easier to open if you have poor or limited credit history.
Can I open an account with bad credit?
Yes, you can open an account with bad credit. For a full range of features to manage your money, a bank account alternative is a good choice.
Will opening a Suits Me account affect my credit score?
No. We do not run hard credit checks.
Can I get a bank account if I’m in an IVA/DMP or have CCJs?
Yes, these do not prevent you from opening an account.
Can I get paid wages into a bad credit bank account alternative?
Yes, Suits Me offer fully functioning accounts that allow you to receive salary payments and benefits, making them suitable for everyday use even if you’ve struggled to open a traditional bank account.
What if another bank rejected me recently?
You can still apply — previous rejections don’t affect us.
Do you offer overdrafts or loans?
No, we keep your account simple and safe.
Can I get paid into this account?
Yes — wages, benefits and payments can be sent directly to your account.