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Current Account

Keep your personal finances in good shape with our straightforward Current Account. It covers all your everyday banking needs, and there's no monthly fee to pay. Excellent customer service comes as standard.

Get your card right away

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

Free European transactions

Going abroad? We won't charge you for using your cards or getting cash out in European countries.*

Simple, hassle-free switching

We can switch your salary, Direct Debits and standing orders in 7 days. Guaranteed.

The Nuts and Bolts

We’re up front 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 balanceMonthly feesOverdraft interest
None Zero 15% EAR


You can apply for our Current Account if:

  • You’re aged 18 or over
  • 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


We offer overdrafts on request and we'll make a decision depending on your personal circumstances.

Arranged and unarranged overdrafts have a typical interest rate of 15% EAR (variable).  

'EAR' (variable) explained 

'EAR’ stands for Effective Annual Rate. It shows what you would pay if interest were charged and added to the amount you owe once every year, instead of monthly. It doesn’t include fees for unauthorised overdrafts.

‘Variable’ means we may change these rates and charges from time to time, or introduce new charges. If this means you’ll pay more, we’ll let you know beforehand. Interest is calculated daily and charged monthly. Your monthly statement will show how much interest you’ll pay and when. Charges for unarranged overdrafts or for going over your agreed overdraft will be shown separately.

Using your debit card abroad

We won’t charge you for international debit card transactions made in most European countries. And we offer outstanding value rates in the rest of the world.

LocationCard PurchaseCash Withdrawal
In Europe* FREE FREE
Outside Europe* 2.75% 2.75% + £1.50

*Where can I use my card for free in Europe? 

If you use your card abroad, 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.

When you don’t have enough in your account

If we receive a request for a payment but you don’t have the funds in your account to cover it, we will either: 

  1. Give or extend an unarranged overdraft and make the payment
  2. Decide not to make the payment

We’ll charge a flat fee of £10 for each payment made and for each payment refused.

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, we’ll charge interest on the new balance, but we won’t charge the £10 fee for payments made.

The monthly cap on unarranged overdraft charges

  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 each payment Metro Bank allows despite lack of funds; and
    (c) fees for each payment Metro Bank refuses due to lack of funds

Helpful failed payment alerts

We process standing orders, Direct Debits and future dated payments in the morning. If you don't have enough funds in your account to cover a payment, we'll send you a text message to let you know so you can pay in the money. We'll try to make the payment again at 2pm on the same day, and if we're successful we won't charge you.


Cheques normally take 5 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.


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)(880KB)

Our Service Relationship with Personal Customers (PDF)(1.2MB)

Don't need all the features of a Current Account?

The Cash account

The straightforward, easy way to manage your day-to-day spending if you don't need all the features of a Current account, if you are not eligible for one, or if you are under 18.

There are no Direct Debits or overdrafts. And you can stay on budget with online spending and foreign transaction limits. Pop in store with proof of ID to open your account on the same day – no need for an appointment.

Open an account

Come and see us in store

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  • 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.

    What you need to open an account

  • How do I switch my account from another bank?

    Switching your Current Account to Metro Bank couldn’t be simpler. Just pop into one of our stores. They’re open 7 days a week. We’ll take care of everything for you. And we’ll have your whole switch done in 7 working days. Guaranteed.

    What you’ll need to switch

  • Can I switch my Current Account if I’m overdrawn?

    Yes. And we’ll match your existing overdraft where we can, depending on your financial status.

  • Can I open a joint Current Account?

    Yes. You can open a joint account to manage your money together. You can even switch your existing joint account to us.

  • 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.

Your ways to bank


Metro Bank 24/7. Check balances, make payments, see transactions and open new accounts any time - all with internet banking.


Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.


A friendly face and a quick answer. And all the usual payment services too. We're open 362 days a year.


If you need help you can talk to a real person in our UK contact centre 24 hours a day, 7 days a week, 365 days a year.

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7-day Switch Guarantee

Switching your current account to Metro Bank is simple and hassle-free. And we guarantee to have it all done and dusted for you in 7 days.


Same-day account opening

Apply in store and we'll print your card there and then. Having the right documents will help make the process go smoothly.

Banking with us

Using your card abroad

Going on holiday or taking a business trip? Our debit and credit cards make your purchases and taking out cash abroad as convenient as possible.


Protecting your money

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