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Cash Account

Simple is good

Our Cash Account is our most basic bank account. You get the flexibility of using a card for payments and it's a great option for those who like to keep things simple.

Instant account opening

Just pop into the store – no appointment needed. We’ll even print your bank card there and then.

Go contactless

All Metro Bank cards support contactless payments. Just tap on the reader at the till and you’re done.

Stay in control

No direct debits for this account and limits on cash withdrawals. 

The Nuts and Bolts

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

Minimum balance Monthly fees Arranged Overdrafts
None Zero Unavailable


You can apply to open a Cash Account if:

  • You’re aged 11 or older
  • You're resident in the UK. You’ll also need to provide proof of your identity and address. If you’re a non-UK, EU, EEA or Swiss national you’ll need a valid visa/residence permit. Here’s a list of what you need

Younger customers

If you’re aged between 11 and 15, please come in store with your parent or guardian to open a Cash Account. Read through section 3 of our list of what you need to make sure you bring the right documents.

Taking money out of your Cash Account

You can withdraw a maximum of £300 a day from cash machines using your cash card. You can also take money out in store – a maximum of £300 a day if you’re aged between 11 and 15 and up to £1,000 if you’re 16 or over.

If you want to withdraw more than £1,000 you’ll need to give us one weekday's notice.

Keep a close eye on your money

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


You can make Faster Payments in store, over the phone, via your Internet Banking or using the latest version of our Mobile Banking app. CHAPS payments can be made in store or over the phone and if the payment is made before 2pm on any working day it will usually reach the recipient on the same day. CHAPS payments made after 3pm will mean that the recipient receives your payment the next working day.

Only available on a Cash Account 16+.


Cheques normally take 4 working days to process. If you’d like to know how quickly you can withdraw your funds after a cheque has been paid into your account you can take a look at our cheque clearance guide.

Important: Cheques will begin to be processed as soon as they are received by a bank, which could be on the same day as it’s written. Please ensure you have enough money in your account to cover all your payments, including cheques, to avoid becoming overdrawn.

What the account doesn't offer

To keep it simple there are some restrictions on how you use this account.

  • Limited overseas use – you can't use your cash card outside the United Kingdom, except where the Link logo is displayed on a cash machine (e.g. France, Gibraltar, Channel Islands and Isle of Man).
  • Limited transactions – you can pay into your Cash Account however you like, but you can’t set up direct debits. You can only pay for purchases online in GBP

Get all the details to read at your leisure

Download our PDF to read when you like - it contains all the ins and outs of our Cash Account.

Cash Account details (PDF)(107KB)

Our Service Relationship with Personal Customers (PDF)(1.9MB)

Ready to apply?

Come and see us in store


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.

How is a Cash Account different to a Current Account?

The Cash account is our simple, basic bank account. It covers all your day-to-day needs, but doesn’t provide overdrafts or Direct Debit payments.

You can buy things online, in GBP only. Using your cash card outside the UK is limited too.

These limits help you keep track of what you’re spending and there’s less chance of going overdrawn.

If you need an account with more features, you may want to take a look at our Current Account 

How do I open an account?

We’ve made it really easy to open an account with Metro Bank. Just come in to one of our stores with your proof of ID. There’s no need for an appointment. You’ll be able to use your account straight away and we’ll print your bank card and cheque book there and then. 

Here’s a list of what you should bring with you

Can I make transactions outside the UK with a Cash Account?

There are some restrictions on how you can use your card outside the UK. You can use your cash card to withdraw money and make payments outside the UK where the Link logo is shown on cash machines. At the moment, this is in France, Gibraltar, the Channel Islands and the Isle of Man. Payments over the internet can be made in GBP only.

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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.

Savings goals

Help with your saving journey

Want to get better at saving? We can help you whether you're saving for a rainy day or for something specific.


Protecting your money

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