Skip to main content

Make a difference in your community

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. 

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
Show suitable ID for other nationalities Hide suitable ID for other nationalities

Valid passport with your current visa (with at least 6 months left on it) or a Biometric Residence Permit.


Persons required to be identified

Show persons required to be identified Hide persons required to be identified

Limited Company registered with Charity Commission

  • 2 directors (where there are two or more)
  • Authorised Signatories
  • Nominated Persons

Charity registered with the Charity Commission

  • 2 Trustees (if 5 or more exist) OR all Trustees (if 4 or less exist), as per the Charity Commission report
  • Authorised Signatories
  • Nominated Persons

Un-registered Charity

  • 2 Trustees (if 5 or more exist) OR all Trustees (if 4 or less exist), as per the Minutes of the Meeting
  • Authorised Signatories
  • Nominated Persons

Club/Society/Association

  • A minimum of 2 Key Officials (where two or more exist), i.e. Chairperson, Treasurer or Secretary as listed in the Minutes
  • If only one Key Official exists, only that individual will need 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.

Show suitable proofs of address Hide suitable proofs of address
  • Current UK full photocard driving licence
  • Current UK provisional photocard driving licence
  • Council Tax bill (valid for the current financial year)
  • 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) 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

 

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?

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 mean 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 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

Eligibility

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


Overdrafts

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

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)

Loading, please wait

Toggle between map and list views
Find Store

FAQs

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

Online

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

In-store

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 our UK contact centre. We’ve temporarily changed our opening hours – click the button below to check when we're available.

Some things you may like...

Business Insurance

Protect your business

Small business insurance you can rely on. Help keep your business protected with Churchill Expert.

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.