- Anyone living in the UK can open an account with no credit checks.
- A multilingual customer support team.
Key Features
Suits Me Review
Suits Me Review
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Introduction
Suits Me® is an alternative banking service established in 2015 that offers personal and corporate accounts, a mobile app, and a Mastercard® debit card. The platform caters to UK-based clients who require a fast account setup and are searching for a banking alternative to traditional high-street banks.
Suits Me® Card is issued by PrePay Technologies Limited under a Mastercard® International license providing a cashback program for using the debit card at specific retailers. Suits Me® is an electronic money product governed by the rules of the Financial Conduct Authority (FCA) (FRN: 900010).
Debit Card
Languages
- EN
- RO
- PL
- BG
Plans
- Free plan
Rating
Banking Features
e-Money Account
Anyone living in the UK can open an account with no credit checks. In just three minutes, enjoy an array of benefits, including a contactless Mastercard, unlimited cashback on purchases, and a fully-featured app with Suits Me®’s e-money account. 24/7 access, instant updates, and added security features. Manage payments, direct debits, and view statements with ease through the online portal, with multilingual customer support.
Mobile App
The Suits Me® Mobile App allows you to manage your finances conveniently from your smartphone. You can access your account balance, recent transactions, and statements instantly while enjoying a user-friendly interface that is secure and easy to use. In addition, the app offers the same features as the online account option, including managing direct debits, cashback rewards, and card activation.
Debit Card
A Mastercard® debit card from Suits Me® is linked to an e-money account, providing convenience without overspending risk, cashback rewards, and advanced banking features.
Standing Orders
Manage your recurring payments by setting up a standing order from your Suits Me® account. You can control the payment amount and schedule through your online account or mobile app. Standing orders are free for Premium Plus account holders and cost £0.60 each for Premium account holders.
Cashback
Big benefits for shoppers are the Suits Me® cashback rewards. Earn money while you spend at partner retailers in-store or online. Cashback amounts are a percentage of your purchase and are credited to your Suits Me® account.
Direct Debits
Direct Debit is an easy and safe way to pay regular bills like gym memberships, phone bills, rent, mortgages, car insurance, and more.
Protected Accounts
Suits Me® ensures the safety of your money in its e-money account through safeguarding, a process that keeps your funds separate from the company’s. Account has web browser security measures and separate accounts to prevent outside interference. The account is subject to regulations. PrePay Technologies Limited provides e-money processing and payments issuing debit cards.
Services & Fees
| Essential | Premium | Premium Plus | |
| Price per month | Free plan | £4.97 | £9.97 |
| Cashback | ✓ | ✓ | ✓ |
| Contactless Debit Card | Free | Free | Free |
| Multilingual Customer Support | Free | Free | Free |
| Suits Me to Suits Me payments | Free | Free | Free |
| Electronic payments in | £1.25 | Free | Free |
| ATM withdrawals (UK) | £1.50 | £1.25 | 4x FREE |
| ATM withdrawals (EU) | £1.50 + 2.00% of the transaction value | £1.25 + 2.35% of the transaction value | £1.25 + 2.35% of the transaction value |
| ATM withdrawals (International) | £2.50 + 2.00% of the transaction value | £2.50 + 2.57% of the transaction value | £2.50 + 2.57% of the transaction value |
| Cash top-up (at any UK PayPoint) | £2.30 + 2.6% | £1.29 + 2.6% | £0.80 + 2.6% |
Essential
Free plan
Cashback
Contactless Debit Card
Free
Multilingual Customer Support
Free
Suits Me to Suits Me payments
Free
Electronic payments in
£1.25
ATM withdrawals (UK)
£1.50
ATM withdrawals (EU)
£1.50 + 2% of the transaction value
ATM withdrawals (International)
£2.50 + 2% of the transaction value
Cash top-up (at any UK PayPoint)
£2.30 + 2.6%
Premium
Price per month
£4.97
Cashback
Contactless Debit Card
Free
Multilingual Customer Support
Free
Suits Me to Suits Me payments
Free
Electronic payments in
Free
ATM withdrawals (UK)
£1.25
ATM withdrawals (EU)
£1.25 + 2.35% of the transaction value
ATM withdrawals (International)
£2.50 + 2.57% of the transaction value
Cash top-up (at any UK PayPoint)
£1.29 + 2.6%
Premium Plus
Price per month
£9.97
Cashback
Contactless Debit Card
Free
Multilingual Customer Support
Free
Suits Me to Suits Me payments
Free
Electronic payments in
Free
ATM withdrawals (UK)
4x Free
ATM withdrawals (EU)
£1.25 + 2.35% of the transaction value
ATM withdrawals (International)
£2.50 + 2.57% of the transaction value
Cash top-up (at any UK PayPoint)
£0.80 + 2.6%
Security Features
Prepay Technologies Limited (trading as PPS) is the issuer of e-money and payment services, and it is regulated by the Financial Conduct Authority (FCA). Suits Me® is an agent of PPS, and your funds are safeguarded according to the FCA’s rules.
The protection of your money is guaranteed through the safeguarding process. This means that your funds are kept separate from PPS’s funds or are protected through an insurance policy or a similar guarantee.
Suits Me® employs industry-standard security measures to protect customer accounts from outside interference. The website and mobile app are encrypted and updated regularly to keep up with new security threats. The mobile app’s safety is also ensured by keeping it updated and running on the most recent version of its operating system.
Customer Support
The online portal is accessible 24/7, and customer support is available via multiple channels. They have a live chat feature, an extensive FAQ section, and email support. They also have a comprehensive multilingual customer care team available to provide support in English, Romanian, Bulgarian and Polish.
The website language can also be changed using the drop-down menu at the top of the Suits Me® website.
Their customer care team is available Monday to Friday from 9 am to 5 pm, and they are not available on UK public holidays. If you suspect your card is lost or stolen, you can report it using your online money account, mobile app, or automated phone service.
The Lost & Stolen Card Phone Number is 03330 151 858, followed by option 3, and this line is open 24 hours a day, seven days a week. For general customer service inquiries, customers can call 03330 151 858 or email hello@suitsmecard.com.
Pros
- Anyone living in the UK can open an account with no credit checks.
- Cashback rewards up to 15% using the debit card at partner retailers.
- A multilingual customer support team.
- 24/7 access to manage finances and payments.
- Safeguarding process to protect customer funds from outside interference.
Cons
- No free account.
- Up to £9.97 one-time fee when you first pay money into your account.
Conclusion
Suits Me® offers a range of convenient banking features that cater to the needs of diverse UK-based clients. Although some fees are associated with the account, the benefits of the service, including account opening with no credit checks, cashback rewards, multilingual customer support, and extensive security measures, make it a solid choice for those seeking an alternative to traditional high street banks.