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Dedicated support around the clock

Commercial Current Account

For businesses with an annual turnover of more than £2 million, we’ve designed an account to meet your complex needs – with dedicated Relationship Managers, expert industry support, 24/7 local contact centres and an easy-to-use online banking platform

Relationship Manager

Your dedicated Relationship Manager will get to know you and your business, ensuring we’re providing you with the service you need 

Sector services

Each industry faces its own unique challenges. Our sector teams have the expertise within these sectors to offer your business the support it needs

Ensuring your cash flow

Our working capital options can help smooth your cash flow, taking out some of the stress of the day-to-day running of your business

Talk to us about our commercial current account now

Your Local Director can talk you through how we can support your banking needs. Their details will be listed alongside your local store

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Opening a Commercial Current Account

Opening a Commercial Current Account

What we need to open your account

Bringing in the right documents can smooth out the account opening process.

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

Proof of identity

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

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.

As a Partnership

As a Limited Liability Partnership

As a Limited Company

Fees and charges

Fees and charges

Monthly account fee Minimum annual turnover/balance sheet value UK transaction fees
Zero Above £2 million Based on account activity

Using your debit card abroad

We don’t charge fees for non-sterling transactions or purchases in many European countries. If you’re outside of Europe, our rates offer the best value possible. Account fees and charges will still apply, though.

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?

If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s taken out of your account. The exchange rate is set by MasterCard®.

MasterCard® is a registered trademark of MasterCard International Incorporated. 

Fees and charges

There’s no monthly charge for this account.

We will charge for some transactions and services such as international payments, CHAPS payments and an Auditor's Certificate of Balance. You can find all the details of our transaction and service charges in the downloadable PDF below. 

If you don’t have enough in your account

If your account balance and agreed overdraft aren’t enough to cover a payment, we may give you an unarranged overdraft. Unarranged overdrafts have a typical interest rate of 25% EAR (variable).

EAR stands for equivalent annual rate. It shows the rate you’d pay if you remained overdrawn for a year. It takes into account the interest rate you’re charged when you go overdrawn, how often it’s charged and the effect of compounding – charging interest on interest – on your debt.

‘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 will be calculated daily on your account and applied monthly. The amount of interest payable and when it will be charged will be shown on your monthly statement.

We may also make other charges:

  • £25 charge for an unpaid item (when you don’t have funds to cover a cheque, direct debit or standing order payment and we have to return it unpaid)
  • £15 charge for a paid item (when a cheque, direct debit or standing order is deducted from your account and creates an unarranged overdraft).

Additional information

Additional information

Bank the way you want

We believe in letting you decide how you want to bank with us – whether that’s online, in store, over the phone or through your Relationship Manager. 

Switching to Metro Bank

Moving your account to Metro Bank is simple, and if your annual turnover is below £6.5 million, we guarantee it will be switched within 7 days.

Setting up your online banking

Manage your Commercial Current Account online.


This account supports an overdraft, but you need to apply for one. Once we’ve reviewed your financial status, we’ll let you know our decision.

Find out more about business overdrafts


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.

Important: Cheques will begin to be processed as soon as they are received by a bank, which could be on the same day as it’s written. Please ensure you have enough money in your account to cover all your payments, including cheques, to avoid becoming overdrawn.

Get all the details on our Commercial Current Account

Download our PDF to read when you like – it contains all the ins and outs of our Commercial Current Account.

Commercial Current Account Details (PDF) (225KB)

Our Service Relationship with Business Customers (PDF) (1.1MB)


  • How do I switch my account?

    Pop in and see us – find your nearest store

    All of our stores are open from 8am to 8pm during the week, and slightly shorter hours on Saturdays and Sundays. 

    We’ll have all your standing orders and Direct Debits switched within 7 days. Guaranteed. Just be aware that the 7-day switching service only applies if your company’s turnover is less than £6.5 million. If it’s any higher, we can carry out a partial switch.

    If you have any questions before you visit a store, call 0345 08 08 508 or email

  • When can I contact the Business Team?

    While you’ll usually deal with your Relationship Manager, our UK contact centre is open 24/7 and the Business Team are available Monday-Friday 9am-5.30pm.

  • How do I apply for an overdraft?

    If you would like to arrange an overdraft please speak to your Relationship Manager. Overdraft facilities are subject to status checks and approval. 

  • Can I access my transaction history for closed accounts?

    Yes. If you choose to close your account, we will offer you the option to receive up to 5 years’ worth of prior transaction history at the point of account closure. We retain your transaction history for at least 5 years after you closed your account, so you can also  request up to 5 years’ worth of prior transaction history from the date of the request. To make a request, you can visit us in store or call us on 0345 08 08 508.

    We will provide a printed version of your transaction history via post, normally within 7 working days. You can also download your transaction history via online banking before you close your account.

    Accounts which have been closed due to fraud or other unlawful activity, impairment, bankruptcy, insolvency, liquidation or which have had no activity in the past 5 years will not be eligible to receive transaction history.

Your ways to bank


Check balances, make payments, see transactions and open new accounts any time - all with online banking.


Control your money on the move. Check balances, move money, make payments and more with our handy mobile app.


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

By phone

Talk to a real person in our always-open UK contact centre, 24 hours a day, 7 days a week, 365 days a year.

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We have the online banking solution that's best for your business. Get the basics, add Bacs and CHAPs or go for our full commercial platform.