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Current Account

It’s easy to set up our Current Account and you could open one online in less than 10 minutes*

Open an account today

Apply online now   Resume your application

Terms and conditions apply. Download our Current Account details (PDF) to read the ins and outs.

Win Women's International T20 Tickets

To get excited for summer, we're giving away 25 sets of 4 tickets to the England vs. New Zealand match at The Kia Oval, London, for Metro Bank customers. Fill out the form below to enter the draw. 

Good Luck!

Full terms and conditions


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No monthly fees

You won’t pay any monthly account fees for having our Current Account.

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Fee-free spending in Europe

We won’t charge you for using your debit card in most European countries.

Using your card abroad

Spending insights

See how you’re using your money with the Insights tool in our App.

Find out more about our App

The benefits of our Current Account

  • Get your card printed on the spot in store
  • Pay seamlessly with contactless, Apple Pay or Google Pay
  • Stay in control with notifications from our five-star-rated App1

Apply today

Current Account Switch Guarantee

Switching to us is fast and easy with the Current Account Switch Service.

Financial Services Compensation Scheme (FSCS)

Your money is safe and secure, with the Financial Services Compensation Scheme2.

What you need to know about our Current Account


You can apply for our Current Account if: 

  • you’re aged 18 or over 
  • you’re a UK resident 
  • you 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.

What you need to apply for an account

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.

Arranged overdrafts

You can apply for an arranged overdraft and we'll make a decision based on your personal circumstances. Apply in store, or by calling us on 0345 0808 500.

Arranged and unarranged overdrafts have a typical interest rate of 34% APR** (variable). Try our overdraft calculator to get an idea of the total amount you would repay.

If you don’t have the funds to cover a payment from your account, we’ll either:

  • give or extend an unarranged overdraft to make the payment, or 
  • refuse the payment due to lack of funds.

We don’t charge a fee for this.

Helpful payment alerts

We’ll text you when you are close to, or have gone over, your overdraft limit. You can opt out of these messages – ask in store or call us on 0345 0808 500.

We process standing orders, Direct Debits and future dated payments in the morning. If you don’t have the funds to cover payment(s), you can top up your account and we’ll try to make the payment again at 2pm on the same day.

Maximum monthly overdraft charges

We’ll never charge you more than the monthly cap of £60 for an unarranged overdraft, of for going over your arranged overdraft limit (if you have one). If us charging you interest causes you to go overdrawn or increases your overdraft, you’ll only be charged interest on the new balance.

**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. We do not charge any additional fees.

Ready to join the people-people bank?

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Switching banks is simple 

You can move your balance and regular payments over from your old bank in a few simple steps. You are covered by the Current Account Switch Guarantee.

Find out more about switching banks

Apply for a Current Account online or in store.

Fill out our online switching form.

Our switching team will take care of the rest.

Frequently asked questions

Can I use my debit card in other countries?

We don’t charge you for debit card payments or cash withdrawals in a foreign currency in most of Europe4. We also offer competitive rates in the rest of the world:

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.

4 Europe refers to these 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.

Can I get an overdraft on my Current Account?

Yes, we offer an optional arranged overdraft. You can apply for in store, or by calling us on 0345 0808 500. 

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, you may be asked some questions about the source of the funds to help keep your money safe.

There are limits on the amount of cash customers can pay into their Metro Bank account each day. The daily limit for personal accounts is £5,000. 

Who can pay in cash?

To pay cash into a Metro Bank account you must either: 

  • be named on the account 
  • have authority to manage the account – e.g. power of attorney 
  • 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) 

Exchanging cash

You can only exchange cash over the counter if you’re a Metro Bank customer.

Do you offer an overdraft on your Current Account?

Yes, we offer an optional arranged overdraft which you can apply for in store, or over the phone on 0345 0808 500.

Can I switch my current account from another bank to Metro Bank?

Yes, you can use the Current Account Switch Service to move your balance and regular payments from your old bank to Metro Bank by using our online switching form, or speaking to a colleague in store.

Can I open a joint Current Account?

Yes. Both of you need to visit a store together to apply. 

Can I see my transaction history for closed accounts?

Yes. We keep a record of your transactions for five years after you close an account. Visit us in store or call us on 0345 0808 500 to ask us to print this out and post it to you, normally within seven working days. You could also download your transaction history in Online Banking before you close your account.

You can’t request a transaction history for accounts which have been closed due to fraud, other unlawful activity, or impairment, or which have had no activity in the past five years.

Terms and conditions

Current Account information (PDF)

Our Service Relationship with Personal Customers (PDF)

* This statistic is based on our average personal current account online opening time from the last 12 months. 

1 Metro Bank App rating on Apple Store.

Your eligible deposits with Metro Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme.