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The simplest way to do business

Commercial Current Account

Our Commerical Current Account is designed specifically for larger firms with an annual turnover of above £2 million. Benefit from a personal service that's tailored to the complex needs of your business, and a straightforward account that's easy to manage.

Tailored to larger firms

For companies with an annual turnover of over £2 million or complex requirements. 

Personal service

Open and manage your account with a team that knows your business.

That extra cushion

Talk to us about an overdraft on your commercial account.

Really great online banking

Business is complicated so we make it as simple as possible to do everything online.

Hassle-free switching

Annual turnover of below £6.5 million? We can switch your account in 7 days. Guaranteed.

What you need to know

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

Monthly account feeMinimum annual turnover / balance sheet valueUK transaction fees
Zero Above £2 million Based on account activity

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.

Opening an account

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

For more information, please call the Business Team on 0345 08 08 508 or simply talk to your Relationship Manager.

Find out what you need to open a Commercial Current Account 


Overdrafts are available on this account, but you’ll need to apply first. We’ll then check your financial status before making a decision.

Read more about Business Overdrafts

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).

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:

  • 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


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.

Using your debit card abroad

We won’t charge you for international debit card transactions made in most European countries. And we offer outstanding value rates in the rest of the world.

LocationCard PurchaseCash Withdrawal
In Europe* FREE FREE
Outside Europe* 2.75% 2.75% + £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 paid out of your account. The exchange rate is set by MasterCard®.

MasterCard® is a registered trademark of MasterCard International Incorporated. 

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 Commercial Current Account.

Commercial Current Account Details (PDF)(862KB)

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

Open an account

Come and see us in store

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  • How do I switch my account?

    Pop in and see us – find your nearest store

    All of our stores are open from 8am to 8pm during the week, and slightly shorter hours on Saturdays and Sundays. 

    We’ll have all your standing orders and Direct Debits switched within 7 days. Guaranteed. Just be aware that the 7-day switching service only applies if your company’s turnover is less than £6.5 million. If it’s any higher, we can carry out a partial switch.

    If you have any questions before you visit a store, call 0345 08 08 508 or email

  • When can I contact the Business Team?

    While you’ll usually deal with your Relationship Manager, our UK contact centre is open 24/7 and the Business Team are available Monday-Friday 9am-5.30pm.

  • How do I apply for an overdraft?

    If you would like to arrange an overdraft please speak to your Relationship Manager. Overdraft facilities are subject to status checks and approval. 

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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