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Client Premium Deposit Account

Earn interest on any client funds you're holding with our Client Premium Deposit Account. You can withdraw the funds anytime you like so it's a great alternative if you need a holding account but you can't commit to the Flexible Client Term Deposit Account.

Interest on client funds

Get 0.20% AER (variable) interest in this handy holding account.

Easy access to money

You can withdraw money from the account whenever you like.

Simple transactions

Make and receive electronic payments including CHAPS, Bacs, SWIFT and standing orders.

What you need to know

We’re up front with our customers about everything. We’ve created this handy summary of our Client Premium Deposit Account key features so you can see the important information from the get-go.

Interest rateMinimum balanceInterest payment frequency
0.20% AER (variable) None Monthly, half-yearly or annually

AER stands for annual equivalent rate. It shows what the interest rate would be if interest was paid and compounded once each year.

Fees and charges

There’s no set-up fee or monthly maintenance fee 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.


This account is for Metro Bank Business Bank Account or Commercial Current Account customers who need to hold clients’ money in a bank account.

It’s typically used by solicitors and accountants, but other businesses can benefit too. 

If you have client funds that you need to deposit for at least 6 months, you may want to consider our Flexible Client Term Deposit Account to earn a higher interest rate.

What you need to open a business account.

Opening an account

Open in store – we’re open 7 days a week, including after work and at weekends.

Call the Business Team on 0345 08 08 508 or simply talk to your Relationship Manager.

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).

We may also make other charges:

  • Unpaid item charge (when you don’t have funds to cover a cheque, Direct Debit or standing order payment and we have to return it unpaid) - £25
  • Paid item charge (when a cheque, Direct Debit or standing order is deducted from your account and creates an unarranged overdraft) - £15

Get all the details to read at your leisure

Download our PDF to read when you like - it contains all the ins and outs of our Client Premium Deposit Account.

Client Premium Deposit Account Details (PDF)(924KB)

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

Open an account

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  • How do I make international payments?

    You can make international payments from your local store. Find your nearest store

    You can also call our Business Customer Service Team on 0345 08 08 508, or +44 203 402 8312 if you’re outside the UK, and a member of the team will help you make the payment. 

    You’ll need to know and provide the recipient’s IBAN number (International Bank Account Number), Swift/BIC Code (Bank Identifier Code) and the payee’s bank and personal details in order to make the payment. 

  • What is the difference between CHAPS, SWIFT and Bacs payments?

    With Bacs payments you can move money from one bank account to another. They’re mainly used for direct debits payments. Payments can take 3 working days to clear. There is no charge to make or receive Bacs payments. 

    You can use SWIFT payments to transfer money between different countries. There is a £25 charge to use this service.

    You can use CHAPS to make payments in the UK, in sterling, on the same day. There is a £25 charge to use this service. 

  • 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. 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 is using extra security measures, it will take a little longer. International cheques can take 6-8 weeks to clear.

  • Can I use internet banking with my Client Premium Deposit Account?

    Yes, you can go on line and check your balance, make payments, move money between your accounts, and more, 24/7.

    Find out more about internet banking.

  • Where can I find the rate for my Metro Bank account that’s now closed to new Business Customers?

    You can find the rates for any account that is not listed on the current rates page set out in Rates for Closed Business Products.

Your ways to bank


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


Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.


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


If you need help you can talk to a real person in our UK contact centre 24 hours a day, 7 days a week, 365 days a year.

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Fixed-term holding account

Choose to lock away your client funds in a fixed deposit term that suits you and earn higher interest.


Our guide to deposit types

The right deposit account can help you reach your goals. Discover how you can make your money work harder with our helpful guide.

Sector Services

Talk expert to expert

Find solutions tailored to your industry. Talk to our experts who understand the challenges in your sector, from healthcare to property to financial services.


Protecting your money

Your eligible deposits with Metro Bank are protected by the FSCS.