You want a flexible card and account solution that works regardless of credit history.
With the Suits Me card, you can open an account, get a debit card, and start using it quickly.
This guide walks you through the how, gives you key fees and contact information, and helps you decide if it’s right for you.
What is the Suits Me Card?
The Suits Me card is a contactless debit card paired with an online account from Suits Me.
You hold an account with a sort-code and account number, and use the card for payments, withdrawals, and online shopping.
The card is issued by IDT Financial Services Limited under licence from Mastercard.
It is suitable if you want an account with no credit check, need a card you can use online and in-store, or want mobile access and cashback rewards.
Step-by-Step: How to Apply for the Suits Me Card
First, ensure you meet the eligibility requirements of being a UK resident and 18+ years old. Some documents may still be required.
- Visit the Suits Me website and choose your plan (Essential, Premium, or Premium Plus).
- Click “Apply” or “Open your account”. Fill in your personal details: name, date of birth, address, email, and phone.
- Verify your identity. You’ll need to upload a selfie and a photo of your passport or ID.
- Once approved, you will receive your card by post (typically within 3-5 working days).
- Activate your card via the online portal or mobile app, then fund your account and start using your card.
Make sure you have supporting ID and proof of residence (depending on requirements).
Even though Suits Me says “bad credit or CIFAS markers won’t affect you”.s The Suits Me Card app could be useful.
Once you have the card, you can use it for contactless payments, online purchases, and in-store.
The account includes features like standing orders, direct debits, and faster payments.
Choosing Your Plan & Understanding Fees
You must select one of the account plans. The fees differ depending on how much you use the account.
- Essential: “Pay as you go” plan. No set monthly fee (but higher transaction charges).
- Premium: Monthly fee £4.97.
- Premium Plus: Monthly fee £9.97.
Some typical extra fees.
- UK ATM withdrawal (Premium plan): £1.25 per withdrawal.
- International transaction fee: Can I use my Suits Me card abroad? Pay £1.97 plus 2.57% of the transaction value.
- For the Premium Plus plan, you get four free UK ATM withdrawals per month, then £1.25 each.
There is no credit line, no interest rate in the usual sense, because you spend only what you load or deposit into your account.
A review states “no overdrafts and no interest charges.”
Therefore, when looking at costs, focus on monthly fees and transaction/withdrawal fees rather than APR interest.
Key Contact Details
Customer service phone: 03330 151 858 (Monday–Friday, 9 am–8 pm).
Registered office: 57 – 63 Line Wall Rd, Gibraltar. Registered number 95716.
Suits Me Ltd registered address: The Old Shippon, Moseley Hall Farm, Chelford Road, Knutsford, Cheshire, WA16 8RB.
For all the details and full terms, visit their official website and select “Contact us” or “Help centre”.
What to Check Before You Apply
Decide how you will use the card, occasional use or as a main account. That will determine which plan makes sense.
Review the fees for foreign use if you travel or shop abroad — they are higher than UK usage.
Confirm how you will fund your account (bank transfer, cash top-up, etc). Some methods may incur extra cost.
Understand that this is a debit style account; you cannot borrow. It does not build credit history.
Why Use Suits Me? What It’s Good For
If you have difficulty getting a traditional bank account due to credit issues, it promises “no credit checks”.
An account with cashback rewards and partner discounts that manages a separate account for wages, benefits, or travel.
If you prefer transparency on fees, you may prefer an account where you only spend what you load.
It works well as a secondary or alternative account. If you use it abroad frequently, you may want to compare the fees with other options.
Potential Downsides and Things to Watch
Even the basic Premium account has £4.97/month, the top plan £9.97/month. Those costs can add up.
International and foreign-currency fees are high per transaction in some cases.
Because it is a spend-what-you-load model, you won’t build credit by using it.
Some top-up methods may have extra charges (e.g., PayPoint).
Competitors
Here’s a comparison of the card plan from the Suits Me card and two competitor products you might consider.
| Provider & Plan | Monthly Fee | Key Fees & Limits | Suitability |
|---|---|---|---|
| Suits Me – Premium | £4.97/month. | No interest because it’s a debit‐style account (not credit). Foreign transaction fees ~ £1.97 + 2.57% of value (at some tiers) according to one source. | Good if you have poor credit or need a banking-alternative account with minimal checks. |
| Suits Me – Premium Plus | £9.97/month. | Gives 4 free UK ATM withdrawals per month, then ~£1.25 each. | Better if you intend to use the account heavily and need more transactions. |
| Pockit – Pay As You Go (lowest tier) | £0/month for basic version. | Fees: UK ATM withdrawal ~ £1.99. Foreign exchange fee ~ 4%. | Low-fee entry option if you rarely use the card or only use it domestically. |
| Revolut – Standard Plan | £0/month. | Fee-free withdrawals up to £200/month then 2% applies. Foreign currency exchange free up to limits, then fees apply. | Good for travellers or frequent foreign-currency use, and if you’re comfortable with an app-only bank model. |
If you want no monthly fee, Pockit (basic) and Revolut (Standard) may be better than the higher-fee Suits Me plans.
If you have poor or no credit history, Suits Me and Pockit emphasise “no credit checks”.
If you use abroad or deal in foreign currencies, Revolut has strong features, but check the limits.
If you plan to use the account frequently or as your main account, one of the paid plans may offer better value—but at a higher monthly cost.
Conclusion
You now know how to order your Suits Me card. Select a plan, apply online in minutes, verify your ID, then wait for your card to arrive and activate it.
You also have the key fee information, contact details, and awareness of the features and limitations.
If you are comfortable with the monthly plan cost and intend to use the card primarily in the UK, this account could suit you well.
Disclaimer: This article provides general information only. It does not constitute financial advice. Fees, features, and account terms may change. Always consult the official Suits Me website or contact Suits Me directly for the latest, detailed terms before applying.
