Our Community Current Account can help you organise the local Saturday football club's finances, or stay on top of a national charity's accounts.
We believe in letting you decide how you want to bank with us – whether that’s through Online Banking, in store, over the phone or on our App.
No surprises, with simple charges and no monthly maintenance fees
Save money with 200 free transactions each month
Make a splash with free giant cheques for prizes or charity donations
From 13 July 2022 the maximum annual turnover limit for this account will be reduced from £2 million to £250,000, and you will be allowed a maximum limit of three account operators.
To open a Community Current Account, you must be 18 or over and your organisation must be classified as a UK-based club, society or charity.
Please bring us the right documents, so we can get your account up and running straight away.
Different types of organisations will need different documents:
Minutes of the Meeting need to confirm:
The Minutes of the Meeting must be signed by two key officials, where there are two or more.
Constitution documents need to confirm:
A valid passport, EU national ID card or UK driving licence is ideal, and may be all we need.
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.
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 passport with your current visa (with at least 6 months left on it) or a Biometric Residence Permit.
Limited company registered with Charity Commission
Charity registered with the Charity Commission
Must have your name and current address on it. We only accept originals. It’s good to bring 2 of these with you, just in case.
|Monthly account fee||Annual turnover / balance sheet value||Transaction fees||Up to £10,000 monthly cash withdrawal/deposit fees|
|Zero||Up to £2 million (from 13 July 2022, the limit will be reduced to £250,000)||First 200 free (then £0.20 each, from 1 July 2022 the charge per transaction will increase to £0.30)||Free (then 0.70% per £100)|
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|
|Outside Europe*||2.99%||2.99% + £1.50|
*Where can I use my card for free in Europe?
When we refer to Europe, we mean 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 taken out of your account. The exchange rate is set by MasterCard®.
MasterCard® is a registered trademark of MasterCard International Incorporated.
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 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.
Download our PDF to read when you like - it contains all the ins and outs of our Community Current Account.
Switching your current account to Metro Bank is simple and hassle-free. And we guarantee to have it done and dusted for you in 7 days if your annual turnover is below £6.5 million.
No – each trustee can go into a different store and be identified for the account individually. Each signatory on the account must be listed in your organisation’s Minutes of the Meeting.
Cheques normally take five working days to process. If you’d like to know how quickly your cheque will clear, see our cheque clearance guide.
If the bank that issued the cheque uses extra security measures, it will take a little longer. International cheques can take 6-8 weeks to clear.
You can apply for an overdraft on this account. Please speak to your Relationship Manager to apply. Overdrafts are subject to status checks and approval.
Yes. There’s a £25 charge to make an international payment.
Yes, you can use Business Online Banking to make payments and manage your account.
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Running a club or society? Collecting donations for your charity? Looking after the finances for your place of worship? We can help.
Choose how long you want to save for and know how much interest you'll earn with our Community Fixed Term Deposit Account.
Our Community Instant Access Deposit Account is just for charities, clubs and societies. Access your cash 24/7 in store or online.