Suits Me card review

See if this digital banking app with cashback is right for you.

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Valentina Cipriani

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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.

Compare prepaid cards from Suits Me

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Suits Me logo
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Suits Me - Premium Plus Current Account
Not yet rated
£9.97 per month
No minimum funding requirement
0% AER

£10 when your wages or benefits are paid in for the first time (T&C's apply)
Account fee of £9.97 per month.
More info
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Suits Me logo
Not yet rated
Suits Me Premium Plus
Cashback
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£9.97 per month
No minimum funding requirement
0% AER
N/A
Account fee of £9.97 per month.
More info
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Suits Me logo
Not yet rated
Suits Me Essential
Not yet rated
£0
No minimum funding requirement
0% AER
N/A
More info
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Suits Me logo
Not yet rated
Suits Me Essential Current Account
Offer
Not yet rated
£0
No minimum funding requirement
0% AER

£10 when your wages or benefits are paid in for the first time (T&C's apply)
More info
Compare product selection
Suits Me logo
Not yet rated
Suits Me Premium
Cashback
Not yet rated
£5.97 per month
No minimum funding requirement
0% AER
N/A
Account fee of £5.97 per month.
More info
Compare product selection
Suits Me logo
Not yet rated
Suits Me - Premium Current Account
Not yet rated
£4.97 per month
No minimum funding requirement
0% AER

£10 when your wages or benefits are paid in for the first time (T&C's apply)
Account fee of £4.97 per month.
More info
Compare product selection
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Finder Score for bank accounts

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 methodology

What is Suits Me?

Suits 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 online in around 10 minutes, without too much hassle.

You can manage your account online or directly from your phone by downloading the Suits Me mobile app.

How does Suits Me work?

It’s all quite straightforward. Once you’ve successfully applied and opened an account, here’s what you’ll get:

  • Current account. It has a sort code and an account number, you can have your salary paid into it and set up standing orders and direct debits.
  • Debit card. It’s a contactless Mastercard and you can use it to shop almost anywhere.
  • Mobile app. It looks clean and easy to use. You can do pretty much all your banking directly from your phone, including checking your online statements, and managing your standing orders, direct debits and any one-off transfers. It also allows you to instantly freeze your card if it gets lost or stolen (and then unfreeze it if you find it).
  • Rewards. This is a pretty rare feature for a digital account. You’ll get cashback when you shop at selected retailers with your Suits Me card. You can earn cashback for shopping in-store at retailers, these include Argos, Sainsbury’s, Asda, B&Q and Clarks. There are also more cashback offers and promotions available when you shop using your card online. The percentage of your spend that you get in cashback depends on the retailer.

How much does Suits Me cost?

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:

  • Essential. This is a pay-as-you-go account so there is no monthly fee. However, you may be charged for local transfers into and out of the account, depending on your plan. Fees for direct debits and UK ATM withdrawals vary depending on your plan, with UK cash withdrawal fees capped at £2.00. Cash top ups at PayPoint cost £2.00 + 1.5% (Essential), £1.00 + 1.5% (Premium) or £0.80 + 1.5% (Premium Plus).
  • Premium. This costs £5.97 a month and outgoing local transfers are charged at 1.75% of the transfer amount (capped at £4 per transaction). Fees for direct debits, UK ATM withdrawals and cash top ups at PayPoint vary depending on your plan.
  • Premium Plus. If you go for the £9.97 a month plan instead, you get 4 free UK ATM withdrawals a month, plus a (slight) discount on direct debits, cash loads and local transfers out of the account.

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.”

– Ruth Jackson-Kirby, personal finance expert

Is Suits Me safe?

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.

Pros and cons

  • Digital-only current account that can fulfil most of your basic banking needs.
  • You can apply and open an account in a few minutes, without credit checks.
  • Earn cashback when you shop at certain retailers, including some supermarkets.
  • You can deposit cash in the account at PayPoints (for a fee).
  • Multi-lingual customer services team can be contacted by phone, email, website live chat or Facebook chat.
  • Many different fees to keep track of. There are cheaper options out there.
  • It doesn’t offer anything more than a basic current account (no overdrafts, loans or saving accounts available).
  • No physical branches to visit in person.
  • Your money isn’t protected by the Financial Services Compensation Scheme (FSCS).

Customer service information for Suits Me

Email support
Telephone support
In-app or live chat
Contact form
Branch support

The verdict: Is an account from Suits Me worth it?

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.

Frequently asked questions

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio

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