Suits Me Card Review: A Complete Guide to Features, Fees, Cashback Rewards and Customer Feedback

What is Suits Me Card?

Suits Me is an e-money account provider that offers a hassle-free alternative to traditional banking. It provides a range of features including a contactless Mastercard® debit card, online banking app, payments & transfers, cashback with partners, multi-lingual support, and a refer & earn program.

How much does Suits Me cost?

Suits Me offers three types of e-money accounts: Essential, Premium, and Premium Plus. All accounts provide access to a contactless Mastercard® debit card, mobile app, and an exclusive cashback reward scheme.

Essential Account: The Essential account is a pay-as-you-go account without a monthly management fee. This account is suitable for those who prefer not to pay a monthly fee and are okay with paying for individual services as they use them.

Premium Account: The Premium account has a monthly management fee of £4.97 with additional charges for usage. This account is suitable for those who prefer a fixed monthly fee and plan to use the account and its features regularly.

 Premium Plus Account: The Premium Plus account has a monthly management fee of £9.97 and includes four free ATM withdrawals per month and reduced fees for other transactions. This account is suitable for those who plan to use the account and its features frequently and prefer to have some services included in the monthly fee.

 Additional Features:

• Cashback Rewards: Pay with your Suits Me® card when you shop and get cashback into your Suits Me® account.
• Multi-lingual Customer Care: Customer care is available in 11 different languages.
• Refer & Earn: Refer your friends to apply and use their Suits Me® card, and earn £25 per friend. There is no limit on the number of friends you can refer.

How does Suits Me work?

 Suits Me provides an e-money account that can be opened in 3 minutes with no credit checks. You can add money via transfer, wages, or cash top-up, and use the Suits Me card for everyday shopping to get cashback. The account can be managed on the go using the Suits Me app; you can make transfer payments, set up and manage Direct Debits and Standing Orders, and receive your salary or benefits.

Is Suits Me safe?

Suits Me is regulated by the Financial Conduct Authority and is issued by PrePay Technologies Limited pursuant to a licence by Mastercard® International. Although it is not covered by the Financial Services Compensation Scheme, any funds received are held in a segregated account to protect against claims made by creditors in the unlikely event that PrePay Technologies Limited becomes insolvent.

Suits Me Cashback Rewards 

The Suits Me Cashback Rewards program is a valuable feature for Suits Me account holders. It allows you to earn cashback when you use your Suits Me® debit card at selected retail stores or online. Not all partners can be used online, but several major retailers such as Argos, B&Q, Carpetright, Clarks, Foot Locker, Halfords, Laithwaite’s Wines, New Look, Sainsbury’s, Storey Carpets, and Virgin Experience Days participate in the online cashback program.

The cashback amount is a percentage of what you have spent using your Suits Me® debit card and is paid back into your Suits Me® account.

For example, Money Helper estimates that the average household spends £63.70 on their weekly food shop. By switching to Suits Me® and shopping at Sainsbury’s, you could save up to £11.04 on your weekly shop, which is enough to cover your monthly fee on a Premium Plus account. However, the cashback rewards are not just limited to this account and are available with every Suits Me account.
The Suits Me Cashback Rewards program is a great way to save money on everyday purchases and even cover the monthly account fee and  it is available with every Suits Me account, making it accessible to all account holders.

Suits Me Refer and Earn Program

 The Suits Me Refer and Earn program is a fantastic way for Suits Me account holders to earn some extra cash by referring friends or businesses to open a Suits Me account.

Refer a Friend: Inviting friends is simple and rewarding. Account holders can invite as many friends as they want, and for each friend that creates and actively uses a Suits Me account, a £25 reward is credited to the referrer’s account. The process involves directing friends to the Suits Me online application form and sending an email with the friend’s details to hello@suitsmecard.com before the friend applies. Once the friend opens their account and credits £100, the referrer receives £25 straight into their Suits Me account. However, the referrer must be an active customer to receive the reward.

Refer a Business: Referring businesses is another lucrative option. Account holders can provide details of their employer or any other company interested in partnering with Suits Me, and for each company that becomes a Suits Me partner, a £100 reward is credited to the referrer’s account. The referral involves emailing the company’s details to info@suitsmecard.com. Once the referred business becomes a Suits Me partner, the referrer receives £100 straight into their Suits Me account.

 The Suits Me Refer and Earn program is a generous and straightforward way for account holders to earn extra money by referring friends and businesses to Suits Me. There is no limit to the number of referrals, making it a potentially lucrative program for active users.

Suits Me customer reviews

 Suits Me Card has received a “Great” rating on Trustpilot, with a score of 4.1 out of 5 based on 10,202 reviews. 70% of the reviewers gave a 5-star rating, and the company has replied to 100% of the negative reviews within 24 hours. Customers appreciate the quick and easy account opening process, the helpful customer service, and the cashback rewards. However, there are also complaints about the application process taking longer than advertised, accounts being closed without explanation, and issues with the mobile app.

  

The application process for opening a Suits Me account is user-friendly and efficient. The website provides a detailed step-by-step guide and video tutorial to assist applicants throughout the process.

Empowering Businesses: Suits Me Card Business Solution

 Suits Me offers a comprehensive business solution designed to facilitate secure payments for employees and clients. This service stands out for its cost-effectiveness, as it is entirely free for businesses, eliminating any hidden costs often associated with payment solutions.

One of the key features of Suits Me is the ease and speed of setting up an employee account. It guarantees an online money account for individuals over 18 living in the UK who pass the security checks. The process is streamlined: after submitting the registration form, customers can manage their finances within 20 minutes and receive their Mastercard® debit card in 3-5 days.

Additionally, Suits Me provides multilingual customer support in 19 different languages, which is a significant advantage for businesses with a diverse workforce. The transparency of the service is also noteworthy, as there are no hidden fees for either the business or the account holders.

The process for clients and employees to open a Suits Me account is straightforward and involves three simple steps: signing up to the Suits Me portal, completing an application form, and opening an account within 3 minutes. This efficiency is particularly beneficial for businesses in various industries, including IVA & Debt Management, Charities, Relocation, International Students, Healthcare, Agriculture, Construction, Warehousing, and Hospitality.

The Suits Me employer portal is another highlight of the service. It is free to access, user-friendly, and supports account holders with a multilingual customer care team. It also allows businesses to pay wages directly, eliminating the need for cash or checks. Moreover, a dedicated customer care team and customer account manager are available to provide support whenever needed.

Safety and security are paramount for Suits Me. The platform uses fully encrypted online e-money accounts, site-wide HTTPS with an SSL, and secure mobile app access via a 5 digit mPIN or biometric fingerprint technology. Additionally, it is easy to block a card or report it as lost or stolen using the mobile app.

In conclusion, Suits Me offers a robust and secure business solution for managing payments. With its range of features, dedicated support team, and commitment to transparency and security, it is a valuable option for businesses across various industries.

Final Thoughts: Is a Suits Me Account a Good Choice?

 Suits Me positions itself as a lifesaver for those who usually have a tough time getting a bank account with conventional banks, like expats, individuals with low credit scores, or those who’ve recently moved to the UK.

Indeed, it provides a smooth and stress-free banking alternative for these folks.  Also, the cashback feature really sets Suits Me apart, as this perk is not usually found in other free digital banking apps. If Suits Me ticks all your boxes and you frequently shop at some of the listed retailers, it could be a smart way to spend your money.