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Credit card

Our low rate Credit Card could make your spending more manageable

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.

One low rate

Our Credit Card comes with one rate of 18.9% APR (variable), which could help make your spending more manageable.

No monthly fee

However much you spend, you won’t be charged any monthly or yearly fees just for having your card.

Free European transactions*

We won’t charge you any fees for using our credit card in most European countries. Find out more.

Instant card printing

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 18.9% APR (variable) interest rate: 18.9% 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.

Ready to apply?

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What to bring with you to apply for our low rate Credit Card

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.

Proof of your identity

Proof of your identity

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.

  • Valid UK/EEA/Swiss Passport
  • Current UK Full or Provisional photo card driving licence
  • Valid EU member state National ID photo card
  • Valid firearms certificate or shotgun licence
  • Valid Passport/EU national ID card means in date, undamaged and machine readable. Unfortunately, we can’t accept handwritten passports or ID cards. We can only accept original documents, not photocopies. In some cases we may not be able to accept a national ID, you can call us to find out before coming to store if you’re not sure.

Non-photographic identity
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:

  • Valid older style UK driving licence (no photo)
  • HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account/NI contributions bill) issued in the last three months or valid for the current tax year. We can’t accept P45 or P60 forms
  • Notification letter from Benefits Agency/Local Authority confirming your right to benefits (Department for Work and Pensions including Jobcentre Plus, Benefits Agency or Veterans Agency), dated within the last year.
Proof of your address

Proof of your 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.

  • Current UK Full or Provisional photo card driving licence
  • Current old-style UK driving licence (no photo)
  • Council Tax bill (valid for the current financial year)
  • Utility bill (gas, electricity or water), landline phone, Sky or cable TV bill, dated within the last three months.
  • HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account/NI contributions bill) valid for the current tax year issued by Job Centre Plus in the last three months. We can’t accept P45 or P60 forms
  • Notification letter from a benefits agency or local authority confirming your right to benefits (Department for Works and Pensions, Jobcentre Plus, Benefits Agency or Veterans Agency), dated within the last year
  • Current Tenancy Agreement from a local council or a recognised letting agency
  • Bank, building society, credit union or credit card statement, dated within the last three months
  • Mortgage statement from a recognised lender, dated within the last year
  • Current life assurance or insurance policy, that’s outside of cancellation period
  • Car insurance certificate for the current year, and outside of the cancellation period – we can’t accept cover notes
Proof of your income

Proof of your income

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:

  • Latest three months' payslips
  • Latest three months’ bank statements showing receipt of your salary. Print-outs can only be accepted if they’ve been verified by the bank.

For self-employed individuals or contractors:

  • P60 from the most recent tax year
  • Latest HMRC Tax Return (SA302)
  • Formal letter from your employer verifying income and contract length
  • Latest three months’ statements where a regular and specific income can be identified
  • We’ll need proof of any other income you receive, like pensions, trust fund income or regular benefits. Suitable documents include annual statements or tax assessments.

The Nuts and Bolts

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 18.9% 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.

Keep a close eye on your money

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

Using your card abroad

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
In Europe* FREE FREE
Outside Europe* 2.99% 2.99% + £1.50

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

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

When we refer to Europe we regard the countries which are part of the Single European Payments Area (SEPA).

  • 19 EU Euro countries - Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
  • 8 EU non-Euro countries - Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden
  • 3 non-EU, Euro countries – Andorra, Monaco, San Marino
  • 4 non-EU, non-Euro countries - Iceland, Liechtenstein, Norway, Switzerland

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. 

What we consider

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.

Get all the details to read at your leisure

Download our PDFs to read when you like - they contain all the ins and outs of our Credit Card.

See documents to read at your leisure Hide documents to read at your leisure

Features explained

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Up to 56 days interest-free

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.

Card usage alerts

Set up card usage alerts to let you know when, where and for how much your card has been used.

Say hello to spending Insights

Find Insights on our mobile app – see spending trends and upcoming payments in personalised reports, giving you more control over your finances.

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Paperless statements

We’ll email you every month to let you know your monthly statement is available online. If you need a paper statement, just ask.

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No interest-free period on cash advances

You build up interest from the day you take out cash, until you repay the money back.

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Pay with a tap

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:

  • are 18 or over
  • have a job and a regular income
  • are a UK resident – if you’re not a UK, EU, EEA or Swiss national, you’ll need a valid visa or residence permit with at least six months left
  • have a good credit history, with no County Court Judgements, bankruptcies or debt relief orders on your credit file
  • have not missed any payments in the last year.

Looking for independent advice?

Money Helper can provide independent advice and information on dealing with your debt. Visit them at


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 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.

  • Personal accounts – new daily limit £5,000*
  • Business accounts (including community accounts) – new daily limit £10,000*

    *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:

  • be named on the account, or
  • have authority to manage the account – e.g. power of attorney, or
  • 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), or
  • an employee paying into a business or commercial account for your employer, using a pre-printed paying-in slip issued to the account holder.

Exchanging cash

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

How do I apply for a Credit Card?

Just pop into a store. Use our store locator to find your local Metro Bank. Please check the latest opening hours for each of our stores before you visit us.

What you need to bring with you

How much credit can I get?

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:

Guide to the use of your information

Our Service Relationship with Personal Customers

Are there any fees?

There’s no annual fee, just one simple low rate of 18.9% Representative APR (Variable).

There are charges for using your card outside Europe.

Read more about using your card abroad