Our Current Account covers all your banking needs with no monthly fee to pay.
Apply online now Resume your application
Read the ins and outs at a time that suits you by downloading our Current Account details (PDF)
Control your money on the move with our easy-to-use Online Banking and mobile app.
Going abroad? We won't charge you for debit card payments and cash withdrawals in a foreign currency in European countries.
Bring everything with you, just open a Current Account then fill out our quick switching form.
Already have our Current Account? Use this switching form.
We’re upfront with our customers about everything. We’ve created this handy summary of our Current Account key features so you can see the important information from the get-go.
Minimum balance | Monthly fees | Overdraft interest |
---|---|---|
None | Zero | 34% APR* |
*APR stands for Annual Percentage Rate. It shows what the interest rate would be if interest was charged and added to the amount owed once each year including any additional fees. However, we don’t charge any additional fees.
You can apply for our Current Account if:
Here’s a list of what you need
We don’t charge you for debit card payments and cash withdrawal in a foreign currency in most European countries. And we offer outstanding value rates in the rest of the world.
Location | Card Purchase | Cash Withdrawal |
---|---|---|
Within Europe | FREE | FREE |
Outside Europe | 2.99% | 2.99% + £1.50 |
Europe refers to the below states of the Single European Payments Area (SEPA).
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland
If you make a debit card payment or a cash withdrawal in a foreign currency outside the UK, 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.
We offer arranged overdrafts on request and we'll make a decision depending on your personal circumstances. You can apply for an overdraft in store, or over the phone on 0345 08 08 500.
Arranged and unarranged overdrafts have a typical interest rate of 34% APR (variable). More information can be found on our overdraft calculator page. APR stands for Annual Percentage Rate. It shows what the interest rate would be if interest was charged and added to the amount owed once each year including any additional fees. However, we don’t charge any additional fees.
If we receive a request for a payment but you don’t have the funds in your account to cover it, we will either:
We do not charge a fee for any payment made or refused due to a lack of funds.
We’ll send you a free text message when you’ve used or are due to use your arranged or unarranged overdraft limit on your account to minimise any interest charges. You can always opt out of these messages if you want. Simply ask us in store or give us a ring on 0345 08 08 500.
We process standing orders, Direct Debits and future dated payments in the morning. Top up your account and we’ll try to make the payment again at 2pm on the same day.
Find out more information on our terms and services
In any given month we’ll never charge you more than the monthly cap of £60 for charges relating to an unarranged overdraft. If deducting interest causes you to go overdrawn or increases your overdraft, you’ll only be charged interest on the new balance.
(a) going overdrawn when you have not arranged an overdraft; or
(b) going over/past your arranged overdraft limit (if you have one).
(a) interest and fees for going over/past your arranged overdraft limit;
(b) fees for any payment made despite lack of funds (Metro Bank does not charge for these)
(c) fees for any payment refused due to lack of funds (Metro Bank does not charge for these).
Download our PDF to read when you like - it contains all the ins and outs of our Current Account.
Current Account details (PDF)(288KB)
Our Service Relationship with Personal Customers (PDF)(1.9MB)
Either pop in store and get your card there and then, or open your account online and have it arrive via post within days. No appointments needed.
Apply online now Find your nearest store
Already started an application and would like to resume? Yes, resume application
Switching your Current Account to Metro Bank couldn’t be simpler. Use our online switching form or pop into one of our stores. They’re open 7 days a week.
Using your overdraft doesn’t mean you can’t switch – you just need to ask whether you’re eligible for an overdraft with us. If you meet our lending criteria and we agree to the switch, your account can move to Metro Bank. If you’re not eligible, you’ll need to repay your overdraft before switching.
Yes, just pop into one of our stores. You can open a joint account to manage your money together. You can even switch your existing joint account to us.
Yes. All Metro Bank cards support contactless payments. Just tap on the reader at the till and you're done.
Yes. If you choose to close your account, we will offer you the option to receive up to 5 years’ worth of prior transaction history at the point of account closure. We retain your transaction history for at least 5 years after you closed your account, so you can also request up to 5 years’ worth of prior transaction history from the date of the request. To make a request, you can visit us in store or call us on 0345 08 08 500.
We will provide a printed version of your transaction history via post, normally within 7 working days. You can also download your transaction history using online banking before you close your account.
Accounts which have been closed due to fraud or other unlawful activity, impairment or which have had no activity in the past 5 years will not be eligible to receive transaction history.
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.
Track your spending with our Insights feature, and manage your money on the go.