CIFAS marker bank account
Are you tired of being declined bank accounts due to a CIFAS marker?
Suits Me® have helped lots of people with CIFAS markers with a secure account solution.
With Suits Me, your CIFAS marker won’t automatically stop you from opening a UK account.
✔ We don’t use CIFAS data
✔ We don’t access the CIFAS database
✔ Your marker does not lead to automatic rejection
✔ Apply quickly and securely online
✔ Get a UK account number & sort code once verified
-
I am a victim of fraud and no company can help me. I cannot get a bank account anywhere. Suits Me helped me out massively. This company have given me my life back.
Dee, Suits Me customer
-
I have a wrongfully placed fraud marker against my name and was unable to get a bank account for over 12 months, Suits Me accepted me straight away. Great service.
Cam, Suits Me customer
-
Lovely, easy to use and reliable, my life saver after my bank put a marker against me so can’t get a bank account yet.
Suits Me customer
-
Suits Me was quick, efficient, and easy to use. Through financial problems out of my control effecting my credit score, I was refused an account everywhere but Suits Me, I was accepted in minutes and they are sending me my card within 3 days, I recommend!
Marc, Suits Me customer
-
Suits Me is a good company for generalised banking. It’s easy to apply for and to get a card even if your credit file isn’t that good and they check in on you, like Naomi who called me today to see how I was getting on, also gave some great tips on how to use the account.
Paris, Suits Me customer
What is a CIFAS marker?
CIFAS is the UK’s fraud prevention service. CIFAS stands for Credit Industry Fraud Avoidance System. CIFAS markers pose as warnings about the risk you represent to a bank or business. CIFAS put markers against your credit report if an organisation, such as a bank or loan company, suspects you of fraudulent activity.
A CIFAS marker can be placed on your file when:
- You’ve been a victim of identity theft
- Your details have been used fraudulently
- A bank suspects misuse of an account
- There’s a dispute or misunderstanding around financial activity
Most people with CIFAS markers are victims, not fraudsters.
Unfortunately, high-street banks often treat all markers the same — which leads to automatic declines.
How Suits Me can help if you have a CIFAS marker?
Suits Me are not member of CIFAS, which is a not-for-profit organisation. We do not report into CIFAS, nor use their data.
At Suits Me, we use advanced technology to prevent fraud. We have a zero tolerance towards fraudulent acts, however we also have an inclusive approach to those who have been victims of fraud and found themselves with a CIFAS marker because of it.
As we do not conduct credit checks at Suits Me, your CIFAS marker will not stop you in opening an account to manage your money.
Online payment accounts for everyone
Whether you’re new to the UK, a student, have bad credit, you want an account for your wages or benefits, or you simply need a separate pot for some side money, our accounts work for you.
No credit checks
bad credit or CIFAS markers won’t affect you
No minimum deposits
to open a Suits Me account and earn rewards
All situations welcome
fresh start accounts in minutes for those who need it
New to the UK
Support in multiple languages.
Secondary account
an extra account on the side to help you stay organised
Instant cashback and discounts
when you use your Suits Me card with our retail partners
*subject to AML regulatory requirements
It’s easy
to open your account
Choose an account
Enter your details
Download our app
How a CIFAS marker affects your banking
When you apply for a bank account, most high street banks carry out a credit check. If a CIFAS marker shows up, your application will likely be refused automatically, even if your finances are otherwise in good shape. We know how frustrating that can be.
A marker can also affect:
- Mortgages – most lenders will decline applications while a marker is active.
- Loans & credit cards – often unavailable until the marker expires.
- Overdrafts – usually refused.
The impact depends on the type of marker you have. For example, a Protective Registration may still allow you to open certain accounts, but you’ll have to go through extra verification steps.
Why choose Suits Me?
Quick set up and start using your account without delay
No long forms, no branch visits, no complicated steps. Suits Me® keeps the process fast and stress-free.
Do everything you need from one account
Receive payments, organise bills, make transfers, shop online, withdraw cash and keep track of spending, all in one place.
Stay on top of your money with real-time insights
Instant notifications, clear transaction lists, and easy-to-use budgeting tools help you stay in control and avoid surprises.
Use your card anywhere Mastercard® is accepted
Your contactless debit card gives you flexibility at home and abroad, whether you’re buying groceries, booking travel or just tapping to pay on the go.
Make life easier with automatic payments
Set up Direct Debits and standing orders to handle bills, subscriptions and regular transfers with complete confidence.
Earn cashback on everyday shopping
Make the most of your spending with cashback at a growing range of retailers. Simple, automatic and built into your account.
Customer support that cares
Our multilingual customer support team is here to help when you need it, offering guidance and clarity every step of the way.
Security you can trust
Your money is safeguarded under strict regulatory requirements, giving you peace of mind every time you use your account.
Can you open a bank account with a CIFAS marker?
Yes – but your options are limited. The steps to take are:
- Check your marker – request your CIFAS record and understand its type and expiry date.
- Gather ID documents – you’ll still need proof of ID and address.
- Apply to a provider that doesn’t run credit checks – such as Suits Me.
With Suits Me you can open an account in minutes — even with a CIFAS marker.
Living with a CIFAS marker
CIFAS markers can affect you in lots of ways including:
Banking: A bank may close or block your access to your account, freezing your funds and transactions to certain services.
Access to credit: CIFAS markers can stop you accessing credit, such as an overdraft or loan. Lenders can view you as a high-risk customer and decline your application for credit.
Insurance: Some Insurance companies may check your credit history before issuing policies. As a CIFAS marker represents a higher risk, this can increase your premiums or cause you to be rejected for insurance.
Employment: Job applications in the financial sector will be difficult. Financial institutions often require a credit check before offering employment, along with other specific types of employers. A CIFAS marker can limit your opportunities of employment through either being rejected on application or termination of employment.
Reputation: A CIFAS marker can damage your reputation.
Legal proceedings: CIFAS markers can be used as evidence in legal proceedings in some circumstances.
We have an account that will suit you
Essential
A Back Up Account
Pay as you go
-
If you already have a main bank account and want a back-up personal account that’s easy to open and use, this account is perfect for you. For occasional monthly spending with a pay-as-you-go flexible card and mobile app. If you are doing more than a handful of transactions each month our other accounts may be better for you.
-
If you already have a main bank account and want a back-up personal account that’s easy to open and use, this account is perfect for you. For occasional monthly spending with a pay-as-you-go flexible card and mobile app. If you are doing more than a handful of transactions each month our other accounts may be better for you.
Premium
Spending Account
£4.97 /month
-
For everyday spending you get more for your money with this account. If you are making regular transfers and drawing out cash, Premium will be a good choice. Cashback, discounts, and everything you need to spend with ease.
-
For everyday spending you get more for your money with this account. If you are making regular transfers and drawing out cash, Premium will be a good choice. Cashback, discounts, and everything you need to spend with ease.
Premium Plus
Main Account
£9.97 /month
-
If you need an account for your wages and benefits, setting up regular payments or somewhere to pay cash in, Premium Plus is the best choice. Enjoy full benefits, VIP phone queue jump, and maximum rewards. The ideal hassle-free alternative to a high-street bank for your main account.
-
If you need an account for your wages and benefits, setting up regular payments or somewhere to pay cash in, Premium Plus is the best choice. Enjoy full benefits, VIP phone queue jump, and maximum rewards. The ideal hassle-free alternative to a high-street bank for your main account.
FAQs
How to remove a CIFAS marker?
Firstly, obtain a copy of the CIFAS report by making a direct subject access request directly to CIFAS. You can then clearly see what has been alleged and by whom. If you disagree with the marker, challenge your bank directly. If they disagree in their final response, you can then contact CIFAS directly. Lastly, if CIFAS refuse to remove your marketer you can contact the Financial Ombudsman.
How long do CIFAS markers last?
CIFAS markers can be held for up to six years in the CIFAS database.
Do banks accept CIFAS markers?
Most banks do not accept individuals with CIFAS markers. To open a bank account with a mainstream bank they will conduct credit checks which will immediately notify them of your CIFAS marker. Suits Me do not undertake credit checks, we do accept applications from people with CIFAS markers, those who have been victims of fraud have opened an account in minutes when their account has been blocked and a CIFAS marker has been placed against them.