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Community Current Account

Our cost-effective Community Current Account is designed just for clubs, societies and charities. Whether you run the local Saturday football team or a national charity we can help you easily stay on top of your organisation's finances.

Clear fees and charges

No monthly maintenance fee, and clear, simple charges – it’s the easy-to-use bank account for clubs, societies and charities.

Free presentation cheques

Jazz up those special occasions – like a grand prize or charity donation – with a photo-worthy cheque.

Free transactions

With 200 free bank transactions every month, it’s easy to keep on top of your organisation’s finances.

What you need to know

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

Monthly account feeAnnual turnover / balance sheet valueBelow 200 monthly UK transaction feesBelow £10,000 monthly cash withdrawal / deposit fees
Zero Below £2 million Free (then £0.20 each) Free (then 0.50% per £100)

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.


To open a Community Current Account you need to:

  • Be aged 18 or over
  • To be classified as a UK-based club, society or charity

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 an 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 Community Current Account.

Community Current Account Details (PDF)(909KB)

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


Open an account

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  • 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


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


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.



Internet banking for business

Which online banking solution is best for your business? Get the basics, add Bacs and CHAPS, or go for our full commercial platform.

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.


Protecting your money

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