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Opening a Metro Bank account

What you need to open a business or commercial account

To help make sure you know exactly what you need, we’ve made this helpful guide to list the information or documents you need to bring along with you.

Need a copy?

If you want to print off or have a digital copy listing the documents you’ll need to have to open an account, you can get our Personal and Business Identification PDFs here.

Personal Identification

A list of all the personal ID documents you can use to open an account

Business Identification

A list of the documents you can provide to identify your business

What we need to open your account

Bringing in the right documents means we can open your account faster.

Opening a Business or Commercial account

Everyone involved in opening the business account will need to provide proof of identity and proof of address, including:

  • Account operators (authorised signatories or nominated persons)
  • Responsible individuals (anyone who directly or indirectly controls 25% or more shares)
  • Company officials (We may be required to identify a minimum of two Company Officials (for limited companies two Directors) if two or more exist. If only one Company Official is appointed to the Company, we must identify the sole Company Official)

Proof of identity

A valid passport, EU national ID card or UK driving licence is ideal, and may be all we need. 

Show suitable ID for UK, EEA or Swiss Nationals Hide suitable ID for UK, EEA or Swiss Nationals

Photographic ID

  • Valid UK/EEA/Switzerland passport
  • Valid UK full photocard driving licence
  • Valid UK provisional photocard driving licence
  • Valid EU member state national ID photocard
  • Valid firearms certificate or shotgun licence.

We can only accept original documents, not photocopies.

Valid Passport/EU national ID Card means in date, undamaged and machine readable. Unfortunately, we can’t accept handwritten passports or ID cards.

Non-photographic ID

If you’re providing non-photographic ID, you’ll need to bring 2 proofs of address. We can only accept original documents, not photocopies.

  • Valid old-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 3 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 Works and Pensions (including Jobcentre Plus), Benefits Agency or Veterans Agency), dated within the last 12 months

Proof of address

Must have your name and current address on it. We only accept originals. It’s handy to have 2 of these with you, just in case.

Show suitable proofs of address Hide suitable proofs of address
  • Current UK full photocard driving licence
  • Current UK provisional photocard driving licence
  • Current old-style UK driving licence (no photo)
  • Council Tax bill (valid for the current financial year)
  • HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account or NI contributions bill valid for the current tax year issued by Job Centre Plus) dated within the last 3 months. We can’t accept P45 or P60 forms.
  • Notification letter from Benefits Agency/Local Authority confirming your right to benefits (Department for Works and Pensions, Jobcentre Plus, Benefits Agency or Veterans Agency), dated within the last 12 months
  • Current Tenancy Agreement, from a local council or a recognised letting agency
  • Bank, Building Society, Credit Union statement, dated within the last 3 months
  • Credit card statement, dated within the last 3 months
  • Mortgage statement from a recognised lender, dated within the last 12 months
  • Life assurance/life insurance policy, dated within the last 3 months but outside of cancellation period
  • Motor insurance certificate, valid for the current year but outside of cancellation period – we can’t accept cover notes
  • Utility bill - gas, electricity or water, dated within the last 3 months
  • Telephone bill, dated within the last 3 months. We can’t accept mobile phone bills
    Sky or cable TV bills, dated within the last 3 months

As a Sole Trader

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If you are a sole trader you will need to provide one of the following documents:

  • An existing business bank statement (dated within the last 3 months)
  • A utility bill (dated within the last 3 months)
  • An invoice from a supplier (dated within the last 3 months)
  • A letter addressed to Metro Bank from an accountant acting on behalf of your business
  • HMRC correspondence (dated within the last 12 months)
  • Business premises rates bill (dated within the last 12 months)

The documents provided must have the name of the business owner on it, the business address and the trading name (if applicable).

If you are a sole trader and you can’t provide any of these documents, a site visit can be arranged if your business address is different to your residential address.


As a Community Organisation

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To open a Community Account, you’ll need to be a club, society or charity. Different types of organisations will need different documents:

Unregistered Charity: Minutes of the Meeting and Constitution documents 
Registered Charity: Minutes of the Meeting and Charity Commission number 
Registered and Limited Charity: Charity Commission number and Company Registration number 
Club/Society/Association: Minutes of the Meeting and Constitution documents. If there are no Constitution documents available a letter on headed paper confirming the same information is acceptable.


Minutes of the Meeting need to confirm

  • An account is to be opened with Metro Bank in the name of the organisation
  • Who the Key Officials are (Chairperson/Treasurer/Secretary)
  • Who the signatories of the account will be and the signing rules for the account
  • The Minutes of the Meeting must be signed by two Key Officials, where there are two or more

Constitution documents need to confirm

  • What the organisation has been setup to do
  • Who the appointed Board/Committee members are
  • Who the Key Officials are (Chairperson/Treasurer/Secretary)

As a Partnership

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Partnerships, including limited partnerships, will need to provide one of the following documents:

  • An existing business bank statement (dated within the last 3 months)
  • A utility bill (dated within the last 3 months)
  • An invoice from a supplier (dated within the last 3 months)
  • A letter addressed to Metro Bank from an accountant acting on behalf of your business
  • HMRC correspondence (dated within the last 12 months)
  • Business premises rates bill (dated within the last 12 months)
  • The document provided must have the partner's names on it, the business address and the trading name (if applicable)

If you are a partnership and you can’t provide any of these documents, a site visit can be arranged if your business address is different to your residential address.


As a Limited Liability Partnership

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If you’re a limited liability partnership we will, with your permission, carry out a credit reference agency search. If the results are satisfactory, you won’t need to provide any further documents. Otherwise you will need:

  • A Certificate of Incorporation, and
  • A registered members list to clarify the details of the members and their individual shareholding within the company

As a Limited Company

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If you’re a Limited Company we will, with your agreement, carry out a credit reference agency search.  If the results are satisfactory you won’t need to provide any further documents. Otherwise you will need:

  • A Certificate of Incorporation, and
  • If the Limited Company is using a “trading as” name, a copy of the Company Board Resolution (signed by 2 Directors or 1 Director and the appointed Company Secretary, or by the sole Director, if there is no appointed Company Secretary) authorising the use of the “trading as” name

What you'll need to open an account

We’ve worked with other providers of UK business banking accounts to agree a basic set of information that we’ll need from you to set up your business current account. Find out what you’ll need to provide using this simple guide from UK Finance, the UK’s leading trade association for financial services. 

View Guide