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Credit card

Our low rate Credit Card makes spending more manageable

We’re not accepting new applications for Personal Credit Cards at this time. Apologies for any inconvenience. The information below still applies for all existing Personal Credit Card customers.

One low rate

Our Credit Card comes with one rate of 18.9% APR (variable), which could help make your spending more manageable.

No monthly fee

However much you spend, you won’t be charged any monthly or yearly fees just for having your card.

Free European transactions*

We won’t charge you any fees for using our credit card in most European countries. Find out more.

Representative example: Representative 18.9% APR (variable) interest rate: 18.9% pa (variable). Based on an assumed credit limit of £1,200 with no annual fee. Lending is subject to status and affordability, T&Cs apply.

The Nuts and Bolts

We’re up front with our customers about everything. We’ve created this handy summary of our Credit Card's key features so you can see the important information from the get-go.

Rate Monthly fees Interest-free period Credit limits from
Representative 18.9% APR (variable) Zero Up to 56 days £500

APR stands for annual percentage rate. It’s intended to give you a more accurate idea of how much you are being charged when you borrow money. It takes into account the interest on the loan and other charges you have to pay, for example any arrangement fee.

Keep a close eye on your money

You can now choose to receive alerts from your Metro Bank mobile banking app every time your credit or debit cards are used to make a transaction. This includes payments in shops, online purchases and cash machine withdrawals. Find out more

Using your card abroad

We won’t charge you for international credit card transactions made in most European countries. And we offer outstanding value rates in the rest of the world.

Location Card Purchase Cash Withdrawal
In Europe* FREE FREE
Outside Europe* 2.99% 2.99% + £1.50

*Where can I use my card for free in Europe? 

Show which countries you can use your card in for free Hide which countries you can use your card in for free

When we refer to Europe we regard the countries which are part of the Single European Payments Area (SEPA).

  • 19 EU Euro countries - Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
  • 8 EU non-Euro countries - Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden
  • 3 non-EU, Euro countries – Andorra, Monaco, San Marino
  • 4 non-EU, non-Euro countries - Iceland, Liechtenstein, Norway, Switzerland

All territories are included by their associated owning country.

If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s paid out of your account. The exchange rate is set by MasterCard®.

MasterCard® is a registered trademark of MasterCard International Incorporated. 


Get all the details to read at your leisure

Download our PDFs to read when you like - they contain all the ins and outs of our Credit Card.

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Features explained

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Up to 56 days interest-free

This applies to purchases when you pay your full balance on time. (The first interest-free period may be shorter if you take out your Credit Card part-way through the month). If your balance isn’t paid in full, interest is charged daily from the transaction date until we receive your payment.

Card usage alerts

Set up card usage alerts to let you know when, where and for how much your card has been used.

Say hello to spending Insights

Find Insights on our mobile app – see spending trends and upcoming payments in personalised reports, giving you more control over your finances.

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Paperless statements

We’ll email you every month to let you know your monthly statement is available online. If you need a paper statement, just ask.

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No interest-free period on cash advances

You build up interest from the day you take out cash, until you repay the money back.

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Pay with a tap

You can make contactless payments with your Credit Card up to £100. Plus, you can add your card to your Apple Pay or Google Pay wallet to pay using your phone, and there’s no limit.

Looking for independent advice?

Money Helper can provide independent advice and information on dealing with your debt. Visit them at


How do I pay money into my account?

There are a few different ways you can pay money into your Metro Bank account, the fastest being a payment from one bank to another. You can also deposit a cheque or pay cash* into your account at your nearest store.

*Please note that you may be asked additional questions about the source of funds to help keep your money safe.

We’ve introduced limits on the amount of cash customers can pay into their Metro Bank account each day.

  • Personal accounts – new daily limit £5,000*
  • Business accounts (including community accounts) – new daily limit £10,000*

    *If you are depositing foreign currency into a ‘regular’ GBP or a Foreign Currency Account, this will be the GBP equivalent of the above limits using the exchange rate on the day of the deposit

The new cash deposit limit for Commercial Current Accounts won’t be introduced until early 2023. If you have this type of account, your Relationship Manager will be in touch nearer the time to discuss the new limit with you.

Changes to who can pay in cash

To pay cash into a Metro Bank account you must either:

  • be named on the account, or
  • have authority to manage the account – e.g. power of attorney, or
  • be paying less than £250 into a Young Savers account if you are not named on the account (the account holder or a named person on the account can pay in larger amounts), or
  • an employee paying into a business or commercial account for your employer, using a pre-printed paying-in slip issued to the account holder.

Exchanging cash

You can only exchange cash over the counter if you’re a Metro Bank customer.

Are there any fees?

There’s no annual fee, just one simple low rate of 18.9% Representative APR (Variable).

There are charges for using your card outside Europe.

Read more about using your card abroad