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Legal information

Page contents

  • Website terms and conditions
  • Product terms and conditions
  • Online Banking and Mobile Banking terms and conditions
  • Financial Services Compensation Scheme information sheet
  • Associated documents

Website terms and conditions

Metro Bank PLC is registered in England and Wales.

Company number


Registered office

One Southampton Row, London, WC1B 5HA.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metro Bank PLC is an independent UK Bank - it is not affiliated with any other bank or organisation (including the METRO newspaper or its publishers) anywhere in the world. "Metrobank" is the registered trademark of Metro Bank PLC. If you wish to contact Metro Bank PLC, please refer to the Get in Touch page.

Please read the following terms, conditions and disclaimers ('terms') carefully before using this website ('site'). By accessing this site, you agree to be bound by the terms. If you do not accept these terms you must leave this Site and make no use of it or the information, material and content on this site ('content'). 

References to: Are references to:
'you' and 'your' Each person accessing this site
'we', 'us' and 'our' Metro Bank PLC

Access and use

These terms govern your use of this site and by accessing this site you agree to be bound by them. This site and the content is provided for information purposes only. Accordingly, we may:

  • update or modify the content (including, without limitation, modify these terms); and
  • suspend or discontinue this site (or any part of it) or your access to it, at any time without notice and for any reason.

You agree to review these terms regularly and your continued access to or use of this site or the content will mean that you agree to any changes to them. This site and the content is designed for use solely in the United Kingdom and is not directed at, nor intended for distribution to or access or use by, any person in any other place. In particular, the products and services described on this site are intended for residents of the United Kingdom only. You must not:

  • knowingly introduce viruses or other contaminants on to this site;
  • gain or attempt to gain unauthorised access to this site or our computer systems; or
  • post or transmit any material that is threatening, illegal, defamatory, abusive or offensive.

Products and services

All of our products and services are also subject to separate terms and conditions which govern their use ('other terms'). For example, if you are a customer who has registered for our online banking service, you will also be subject to the online banking terms and conditions. In the event of any conflict between the other terms and these terms, the other terms shall take priority over these terms.

Exclusions and limitations of liability

The following paragraphs exclude or limit our legal liability in connection with your access to and use of this site and the content. You should read them carefully. The following exclusions and limitations apply only as far as the law allows and, in particular, we do not exclude or limit:

  • our duties and liabilities to you under the Financial Services and Markets Act 2000 ('Act') or the rules of the Financial Conduct Authority for the conduct of business or the rules of the Prudential Regulatory Authority;
  • liability for death or personal injury caused by our negligence; or
  • liability for fraudulent misrepresentation.

Although we have taken reasonable care to ensure that this site remains available to you and the content is accurate and complete, we give no warranties, representations or undertakings (express or implied) that:

  • this site will be available or otherwise meet your requirements;
  • the content is accurate or complete;
  • access to this site will be uninterrupted or that there will be no delays, failures, errors, omissions or loss of transmitted information; and
  • no viruses or other contaminants will be transmitted or that no damage will occur to your data or computer systems.

You access and use this site and the content at your own risk. We are not liable for any loss or damage which you or any other person may suffer or incur as a result of accessing, using or relying upon this site or the content;

  • during any period of unavailability of this site; or
  • as a result of any modification, suspension, failure or discontinuance of this site or your access to it.

Where we provide hypertext links to third party websites we do so for information purposes only. We have not verified the truth or accuracy of any content of such websites and any such links are not an endorsement or approval of any third party or the products or services described in those websites. You use such links entirely at your own risk and we accept no responsibility or liability arising out of or in connection with the content, use or availability of such websites.

No advice

Metro Bank does not give investment advice. The contents of this site do not purport to give advice or recommendations with respect to any Metro Bank products or services and nothing on this site shall be deemed to constitute advice or a recommendation. If you need investment advice you should obtain advice from a qualified advisor who is authorised by the Financial Conduct Authority.

Trade marks and copyright

"Metrobank" is the registered trade mark of Metro Bank PLC. Copyright and all other intellectual property rights in this Site and the Content is owned by us or our licensors. You may use the content for your own personal information for non-commercial purposes and you may reproduce content in hard copy only to that extent. All other use is prohibited unless you obtain our express prior written consent. In particular, you are not allowed to modify or transmit this site or any content or link this site to any other website without our express prior written consent.


By agreeing to be bound by these terms, you agree to be bound by our Privacy Policy.


Email is not a completely secure means of communication and it may be possible for others to intercept, read and alter your messages to us. As such, messages and information you send to us by email are sent at your own risk.

Law applying to these terms

English law will decide any legal questions about these terms and about our dealings with you. The courts of England and Wales will also deal with any legal questions connected with this site and these terms.

Your eligible deposits with Metro Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered. For further information please visit


If you believe any content is inaccurate or you have any suggestions on how this site or the content could be improved, please call us on 0345 08 08 500. If you wish to contact us for any other reason please refer to the Get in Touch page.

Product terms and conditions

Personal customers

Download 'Our Service Relationship with Personal Customers' terms and conditions

Business customers

Download 'Our Service Relationship with Business Customers' terms and conditions

Portfolio Buy to Let

Download our Portfolio Buy to Let terms and conditions



Portfolio Buy to Let T&Cs v1.0

Foreign Exchange Currency Dealing Services

Download our Foreign Exchange Currency Dealing Services Terms

Standard Commercial Term Loan

Download our Standard Commercial Term Loan terms and conditions

Download our Commercial Term Loan T&Cs V1.1

Download our Commercial Term Loan T&Cs V1.0

Personal & Business Internet Banking and Mobile Banking terms and conditions

Personal Internet Banking Terms & Conditions

Download our current Internet Banking and Mobile App T&Cs

Business Online Plus terms and conditions

Business Online Plus terms of use

Download our current Business Online Plus T&Cs

Download our Business Online Plus T&Cs

Commercial Online Banking terms and conditions

Commercial Online Banking terms of use

Download our current Commercial Online Banking T&Cs

Download our Commercial Online Banking T&Cs

Metro Bank Authenticator app terms and conditions

Metro Bank Authenticator app terms and conditions

Download our current Metro Bank Authenticator app terms and conditions

Download our Metro Bank Authenticator app T&Cs

Financial Services Compensation Scheme information sheet

FSCS Information Sheet

Find out all you need to know about our Financial Services Compensation Scheme by downloading the Information Sheet here.

Associated documents