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Current Accounts

Your current account, your way

Open an account today

Our Current Account covers all your banking needs with no monthly fee to pay.

Apply online now     Resume your application

Terms and conditions apply. Read the ins and outs at a time that suits you by downloading our Current Account details (PDF).

Benefits and features

Easy Online Banking

Control your money on the move with our easy-to-use Online Banking and five-star-rated mobile app*.

Find out more about our mobile app

*Metro Bank App rating on Apple Store

Fee-free spending in Europe

We won’t charge you any fees for using our debit card in most European countries.

Find out more about using your card abroad

It’s simple to switch

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.

What you need to know

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:

  • You’re aged 18 or over
  • You’re a UK resident
  • You’ll have 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

Using your debit card abroad

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

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:

  • Give or extend an unarranged overdraft and make the payment
  • Refuse the payment due to lack of funds

We do not charge a fee for any payment made or refused due to a lack of funds.

Helpful payment alerts

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

Maximum monthly overdraft charges

 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.

  1. Each current account will set a monthly maximum charge for: 

    (a) going overdrawn when you have not arranged an overdraft; or 
    (b) going over/past your arranged overdraft limit (if you have one).

  2. This cap covers any: 

    (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).

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 Current Account.

Current Account details (PDF)(288KB)

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

Ready to apply?

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


How do I switch my account from another bank?

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.

What you'll need to switch

Can I switch my Current Account?

Yes, you can use the service to switch accounts from and to any of the participating banks and building societies.

Can I switch my Current Account if I am overdrawn?

Yes. You will need to agree any overdraft facilities you require with us. Alternatively, we may be able to provide facilities to help you pay off any existing overdraft you may have, subject to normal lending criteria. If you do not come to an agreement with us you must make separate arrangements to repay your existing overdraft before you switch.

I have a joint account. Can I switch my Current Account?

Yes, as long as both parties agree to the switch and you are switching to another joint account. It is not possible to use the service to switch a joint account to a sole account.

When does the switch begin?

Once you have applied for and opened your new account, you can choose the switch date to suit you. The date of your switch must be at least seven working days from this point.

What if I change my mind?

You can cancel your switch up to seven working days before your switch date. If you do want to cancel, speak to us, who can guide you through this process.

Will my Metro Bank card be contactless?

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

Can I still access my transaction history for closed accounts?

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.

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