Whether you want more flexibility and protection for your purchases at home or abroad, or peace of mind should the unexpected happen, our Credit Card could help.
Our Credit Card comes with one low rate of 14.9% APR (variable), which could help make your spending more manageable.
However much you spend, you won’t be charged any monthly or yearly fees just for having your card.
We won’t charge you any fees for using our credit card in most European countries. Find out more.
No waiting around for the post – pop in store to apply and, if you’re approved, we’ll print your card there and then, so you can use it straightaway.
Representative example: Representative 14.9% APR (variable) interest rate: 14.9% pa (variable). Based on an assumed credit limit of £1,200 with no annual fee. Lending is subject to status and affordability, T&Cs apply.
Having the right documents will help make sure everything goes smoothly when you’re applying for borrowing with us. You’ll need to bring at least one document from each list below, and you can’t use the same one to prove both your identity and address.
If you’re a new customer, or you’ve opened a Current Account with us online, we’ll need to see certain documents that prove your identity when you come in store to apply for a Credit Card.
If you don’t have photographic ID, we’ll need to see the original documents, not photocopies, of your paper ID. You’ll also need to bring two proofs of address:
We’ll also need to check your address – it’s always useful to have two document types handy just in case.
Your documents must show your current address and a unique reference number – for example, the DVLA number on your driving license or account number on your utility bill. We can only accept original documents, not photocopies or print-outs.
We also need to see documents which prove the income you’ve told us you earn. You can bring in an original document, or send them by post and we’ll return them to you.
If you post them, please print and complete this form, and send it with the documents to: Customer Care Team, Metro Bank, One Southampton Row, London WC1B 5HA. We recommend using recorded delivery.
For PAYE employees:
For self-employed individuals or contractors:
We’re up front with our customers about everything. We’ve created this handy summary of our Credit Card's key features so you can see the important information from the get-go.
|Rate||Monthly fees||Interest-free period||Credit limits from|
|Representative 14.9% APR (variable)||Zero||Up to 56 days||£500|
APR stands for annual percentage rate. It’s intended to give you a more accurate idea of how much you are being charged when you borrow money. It takes into account the interest on the loan and other charges you have to pay, for example any arrangement fee.
You can now choose to receive alerts from your Metro Bank mobile banking app every time your credit or debit cards are used to make a transaction. This includes payments in shops, online purchases and cash machine withdrawals. Find out more
We won’t charge you for international credit card transactions made in most European countries. And we offer outstanding value rates in the rest of the world.
|Location||Card Purchase||Cash Withdrawal|
|Outside Europe*||2.99%||2.99% + £1.50|
When we refer to Europe we regard the countries which are part of the Single European Payments Area (SEPA).
All territories are included by their associated owning country.
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 apply for a Credit Card we use a process called 'credit scoring' to perform a credit assessment of you. Your score helps us decide whether we can offer you a Credit Card and what your credit limit will be.
As a responsible bank, we work with you to make sure you can afford your borrowing. We won’t give you a card if we think it will be bad for your financial well-being, based on our understanding of your personal circumstances. We don’t want to leave you struggling to repay your Credit Card.
Download our PDFs to read when you like - they contain all the ins and outs of our Credit Card.
This applies to purchases when you pay your full balance on time. (The first interest-free period may be shorter if you take out your Credit Card part-way through the month). If your balance isn’t paid in full, interest is charged daily from the transaction date until we receive your payment.
Set up card usage alerts to let you know when, where and for how much your card has been used.
Find Insights on our mobile app – see spending trends and upcoming payments in personalised reports, giving you more control over your finances.
We’ll email you every month to let you know your monthly statement is available online. If you need a paper statement, just ask.
You build up interest from the day you take out cash, until you repay the money back.
You can make contactless payments with your Credit Card up to £100. Plus, you can add your card to your Apple Pay or Google Pay wallet to pay using your phone, and there’s no limit.
You’re eligible to apply if you:
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.
*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:
You can only exchange cash over the counter if you’re a Metro Bank customer.
Just pop into a store. We’re open long hours, including after work and at weekends.
The credit limit we give you depends on how much you’ll be able to comfortably repay, based on our understanding of your personal circumstances. We assess this using a process called credit scoring. This looks at things like your credit history and how long you’ve lived at your current address to help us come to a decision.
Find out more in: