Skip to main content

Designed with your community in mind

Community Instant Access Deposit Account

Build a nest-egg for your club, society or charity with our straightforward Community Instant Access Deposit Account. You have total control over your money and can take money out if and when you like

Boost your savings

Earn 0.10% AER (variable) interest. The more you put in, the more interest you could earn

Easy access to your cash

You have full control over your money and can access it when you need it

No hidden fees

You won’t pay a monthly fee, there are no set-up costs and no minimum deposits

Talk to us about our community instant access deposit account now

Come see us in store – we’re open 7 days a week, no appointments needed.

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

Interest Rates, Fees and Charges

Interest Rates, Fees and Charges

Interest rate Minimum balance Interest payment frequency
0.10% AER (variable) None Monthly or annually (calculated daily)

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

Variable means we may change these rates and charges from time to time, or introduce new charges. If this means you’ll earn less interest, we’ll let you know beforehand.

Charges for banking services

There are no fees for this account, but we do charge for some of our banking services.

Service  Charge
Issuing a banker’s cheque £15 per item
Stopping a banker’s cheque £10 per item
Copy or duplicate statements £5 per statement

Opening a Community Instant Access Deposit Account

Opening a Community Instant Access Deposit 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. 

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.


Additional information

Additional information


This account is exclusively for clubs, societies and charities. You need to have:

  • A maximum of 250 employees
  • An annual turnover of less than £36 million
  • A balance sheet value of less than £31 million

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, through your Relationship Manager or on the move with our app.

Ways to bank

Setting up your online banking and mobile app

Manage your Community Instant Access Deposit Account online or on your mobile.

Business online banking

Business mobile banking app

Your account and tax

Since 06 April 2016, interest on savings has been paid without tax being deducted. For more information, please contact the Business team on 0345 08 08 508.

Get all the details on our Community Instant Access Deposit Account

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

Community Instant Access Deposit Account Details (PDF) (44KB)

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

Loading, please wait

Toggle between map and list views
Find Store


  • 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


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.

Some more things you may like...

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

Community Current Accounts

Choose a tailored account with no monthly fee, clear charges and 200 free monthly transactions. 

Business banking

Which deposit account?

See our range of deposit accounts that will make your money work harder.

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.