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What to bring when you pop in

What I need to open a personal account or apply for credit

Opening an account or applying for borrowing with us is easy and hassle-free – especially if you’re prepared. Having the correct documents will help make sure everything goes smoothly.

What you need to open an account

Download our requirement guide here to print off the full list of all personal ID documents you can use to open an account, or simply scroll down to see our requirements. 

Opening a Personal Current or Savings Account

1. If you’re a UK, EEA or Swiss National 

Proof of identity:

A valid passport / EU national ID card or UK driving licence is ideal. In most cases this will be all we need. 

Proof of Address (1 or 2 depending on circumstances):

It would be useful to have two types of address verification handy in case we’re unable to verify your name and address.

2. If you’re not a UK, EU, EEA or Swiss national

  • You can open an account in store with a valid passport containing your current visa (with at least 6 months left on it) or Biometric Residence Permit. You'll also need to bring 1 or 2 of the proofs of address listed in section 1 above.
  • Unfortunately, while we are working on accepting biometric visas, we’re unable open Current Accounts online for non-UK, EU, EEA or Swiss nationals at this time.

3. If you’re aged 11 to 15

If you’re aged between 11 and 15, please come in store with your parent or guardian to open a Cash Account. Parents or guardians need to provide the documents listed in section 1 or 2 for themselves, plus one of the following for the child opening the account:

  • valid passport
  • birth certificate
  • NHS Medical Card
  • Child Tax Credit documentation or Child Benefit documentation (if applicable)

4. If you're 16 or 17 and would like to open an account independently

You'll need to provide the documents listed in section 1 or 2, whichever is relevant to you. If you can’t provide them, we may need a parent or guardian to open your account.

5. If you're 18 or over and in full-time education

You'll need to provide the documents listed in section 1 or 2, whichever is relevant to you.

If we can’t verify your address electronically we can accept a letter of acceptance or letter of introduction from your college or university, if it’s appropriately registered (ask us for details).

6. Special circumstances

If you can’t provide some of the documents we normally need for verification you can still apply for our Cash Account and/or savings accounts, and we’ll accept the following:

International students: Valid Passport + Student Visa (with at least 6 months remaining) + a letter of acceptance or a letter of introduction from a UK education institution (addressed to Metro Bank, One Southampton Row, London WC1B 5HA).

Asylum seekers: IND Application Registration Card (ARC) issued by the Home Office along with proof of address and confirmation of Asylum support allowance or other income. We no longer accept ARC Cards which do not have a expiry date.

People in care homes or sheltered accommodation: Individuals in care homes or sheltered accommodation: We are also able to help if you are an individual in a care home, sheltered accommodation, or a refugee. Please speak to a colleague for guidance on what we will require.

7. Tax residency

We have a legal requirement to obtain tax status for any personal and sole trader customers. Please come prepared to complete details confirming if you are resident for tax in the UK and/or any other countries.

  • If you’ve always lived in the UK then you’re likely to be a UK tax resident
  • If you’re a resident for tax in any other country please bring your Tax Identification Number or Tax Reference Number
  • If you’re unsure of your status, you should seek professional advice

Applying for a Personal Credit Card or Loan

Proof of income

We also sometimes ask you for documents which prove the income you’ve declared to us.

You can bring originals of the documents listed below to one of our stores or send them by post. We’ll return them to you.

If you’re sending them by post, download and complete the Proof of Income supporting documentation return form. Send it, with the documents to: Customer Care Team, Metro Bank, One Southampton Row, London WC1B 5HA. We recommend you use recorded delivery when sending any important or confidential documents.

Proof of identity

If you’re a new customer and opened a Current Account online and come into one of our stores to apply for lending, we will ask you for documents to prove your identity.

See above for acceptable proofs of identity.

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Banking with us

What I need to open an account

With our same-day account opening, you can apply in store and we'll print your card there and then. Having the right documents will help make the process go smoothly.


Protecting your money

Your eligible deposits with Metro Bank are protected by the FSCS.