Suits Me card review
See if this digital banking app with cashback is right for you.

Digital current account and debit card provider Suits Me markets itself as a great option for people who struggle to get a traditional bank account. It is simple to sign up and its cashback offer stands it apart from the competition, but it comes with a complicated list of fees.
Here we look at whether the benefits outweigh the fees.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologySuits Me is a digital-only current account and debit card for people aged 18 or over. It does (almost) all the things a traditional bank account would do, but can be opened in 3 minutes from your sofa, without too much hassle.
You can manage your account online or directly from your phone by downloading the Suits Me mobile app.
It’s all quite straightforward. Once you’ve successfully applied and opened an account, here’s what you’ll get:
Compared to similar digital accounts such as Revolut or Starling, Suits Me isn’t exactly cheap. UK card purchases are free, but expect a fee for pretty much anything else: UK ATM withdrawals, foreign card purchases, foreign ATM withdrawals, cash loads at PayPoints, and even direct debits. The full list can be accessed on the Suits Me website.
You might also have to pay a monthly fee for your account. There are 3 different plans to choose from:
The long list of fees that come with a Suits Me account is off-putting. If you’ll only use the account for card purchases then the simplicity is attractive, but the fees mean it could be an expensive alternative to a traditional current account.”
Suits Me isn’t a bank (it’s an e-money account), so your deposits won’t be protected by the Financial Services Compensation Scheme (FSCS).
However, it is fully licensed by the Financial Conduct Authority and keeps your money in a segregated account (separate from the company’s finances). But if Suits Me went bust you may not get all of your money back.
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Suits Me markets itself as a solution for people who would normally find it hard to get a bank account from a traditional bank, such as expats, people with poor credit scores or people who have just moved to the UK from another country.
On top of this, the cashback is a big plus, other free digital banking apps don’t normally offer this feature. If you really like Suits Me and often shop at some of the featured retailers, it could be good value for your money.
It does offer an efficient and hassle-free banking solution. However, it isn’t the only one doing so. Competitors tend to be cheaper and have simpler pricing structures, so it’s worth checking them out first.
As Suits Me isn’t a bank, money held in your account isn’t protected by the Financial Services Compensation Scheme (FSCS) so you could lose it if Suits Me went bust. It is well worth checking out the basic accounts offered by banks and building societies that are fee-free and protected before opting for a Suits Me account.
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