Suits Me

Suits Me card review

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

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Digital account and card Suits Me has been around since 2015, offering banking services to people who may have found it difficult to open a regular bank account, for example because of their credit score.

The account comes with a slick app and a tempting cashback option. Let’s have a look and see if it could work for you.

Compare prepaid cards from Suits Me

Table: sorted by promoted products
1 - 4 of 4
Name Product Ratings Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
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.
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Suits Me Student
Not yet rated
No minimum funding requirement
0% AER
Open a Suits me account today and receive a £20 Uber Eats voucher..
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Suits Me - Essential Current Account
Not yet rated
No minimum funding requirement
0% AER

£10 when your wages or benefits are paid in for the first time (T&C's apply).
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View details
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.
Go to site
View details

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 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.

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 2 different plans to choose from:

  • Premium. This costs £4.97 a month and there’s a £9.97 one-off first card load fee to pay too. UK ATM withdrawals cost £1.25 and cash top ups at PayPoints cost £1.29 plus 2.6% of the transaction.
  • 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 international money transfers. There’s a one-off additional first card load fee of £9.97.

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), so that even if Suits Me were to go bust, it would be safe.

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.

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.

It does offer an efficient and hassle-free banking solution to these customers. 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.

However, the cashback feature is a game-changer, because other free digital banking apps don’t normally offer it. If you really like Suits Me and often shop at some of the featured retailers, it could be good value for your money.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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