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Make a difference in your community

We’ve paused applications

We’re getting a huge amount of interest in our business accounts at the moment.

To make sure our services keep running smoothly, and so we can meet our commitments to our existing customers, we’ve temporarily stopped taking any new applications for our Business bank account and Community current account, either online or in store.

We’re planning to start accepting applications again early next year.

If you applied online before 8am on Friday 9 October, or you already have an appointment booked in store to make an application, you can carry on as normal.

Click here if you’re eligible for the RBS Incentivised Business Switching Scheme and wish to open an account – we can still accept these applications.

Community Account

If you're running a club, society or charity, this is the cost-effective account for you. Our Community Account can help you organise the local Saturday football team's finances or stay on top of a national charity's accounts

Clear charges and fees

With simple charges and no monthly maintenance fees, there are no surprises for your organisation

200 free transactions

Keep on top of your organisation's finances with 200 free transactions each month

Free giant cheques

Perfect for prize-givings or charity donations, spice up your organisation's special occasions with a great giant cheque

Talk to us about our Community Account now

If you’re a commercial customer, speak to your Relationship Manager or Local Director. Their details will be listed alongside your local store

Opening a Community Current Account

Opening a Community Current Account

What we need to open your account

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

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)

Proof of identity

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

Persons required to be identified

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.


Fees and charges

Fees and charges

Monthly account fee Annual turnover / balance sheet value Below 200 monthly UK transaction fees Below £10,000 monthly cash withdrawal/deposit fees
Zero Below £2 million Free (then £0.20 each) Free (then 0.70% per £100)

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


To open a Community account, you need:

  • To be 18 or over
  • To be classified as a UK-based club, society or charity

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 on the move.

Ways to bank

Setting up your online banking and mobile app

Manage your Community Current Account online or on your mobile.

Business online banking

Business mobile banking app


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 Community Account

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

Community Current Account Details (PDF) (261KB)

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

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  • Do all trustees have to be available together to open the account?

    No - each trustee can go into a different store and be identified for the account individually. Your organisation’s minutes will have to list each person who can sign on the account.

  • How long does it take for a cheque to clear?

    Usually, the cheque will clear on the fourth working day after you pay it in. (Yes, we’re open every day, but just pretend working days are Monday to Friday!) If you pay a cheque in on Monday, you can use the money on Friday. Pay it in on Tuesday and you can use the money the following Monday – and so on.

    If the bank the cheque is from uses extra security measures, it will take a little longer. International cheques can take 6-8 weeks to clear.

  • How do I apply for an overdraft?

    To arrange an overdraft please speak to your Relationship Manager. Overdrafts are subject to status checks and approval. 

  • Can I make and receive international payments from my Community Current Account?

    Yes. There’s a £25 charge to make an international payment.

  • Can I use internet banking with my Community Current Account?

    Yes, you can use Business Internet Banking to make payments, move money between accounts and more.

    Find out more about Business Internet Banking

Your ways to bank


Metro Bank 24/7. Check balances, make payments, see transactions and open new accounts any time - all with internet banking.


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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Ways to bank

Online banking to suit you

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.

Sector Services

Charities and Not-for-profit

Running a club or society? Collecting donations for your charity? Looking after the finances for your place of worship? We can help. 

Banking with us

Fixed term savings

Choose how long you want to save for and know how much interest you'll earn with our Community Fixed Term Deposit Account.

Banking with us

Flexible savings

Our Community Instant Access Deposit Account is just for charities, clubs and societies. Access your cash 24/7 in store or online. 

How we can help

Community involvement

Every one of our stores is strongly rooted in the community it serves and we’re proud to work closely with local people and businesses.