Full control of your business 24/7
Business and commercial online banking
We've designed our business online banking to take the stress out of managing your accounts, so you have more time to get on with the things that make a difference. With our easy-to-use platforms, you can view your statements, make payments and keep track of your account activity from anywhere, any time.
Online banking options
The type of online banking we offer you depends on the bank account you have with us, and what your business needs:
Business Online Banking
Business Online Banking
All the essentials you get with personal banking, perfect for small businesses and start-ups
Make one-off or regular UK payments, track what's going in and out of your account, and set rights for different users. Business Online Banking is free, simple to use and comes with access to our mobile banking app.
You can use Business Online Banking with any of our business current accounts. For more information, see our Business Online Banking Important Information Summary and Business Online Banking Terms & Conditions.
Business Online Plus
Business Online Plus
More convenient and flexible ways to pay
A cost-effective option if you've only got a few people managing the account that’ll need access but need to make large, CHAPS, BACS or international payments, Business Online Plus is a cost-effective option.
Enhanced transaction searches let you audit reports to manage your finances more easily. Make payments up to £50,000, with dual authorisation if you need it. We'll set up the user types on your account automatically for you in store, and you can customise these if you want – for example, setting the maximum payment value a user can make.
You’ll need a Business Bank Account to use Business Online Plus. For more information see our Business Online Plus Important Information Summary and Business Online Plus Terms and Conditions.
If you started using Business Online Plus before 9 January 2014, our Important Information Summary October 2013 – 9 January 2014 and Terms and Conditions October 2013 – 9 January 2014 are the documents you need.
Commercial Online Banking
Commercial Online Banking
Made for large, established businesses with complex finance teams
Create different levels of access across multiple user accounts, with permissions to view, input, verify, authorise and administer payments. Enhanced audit and search features mean you can track and manage your cash flow, finances and bottom line.
You’ll need a Commercial or Community Current Account to use Commercial Online Banking. For more information, see our Commercial Online Banking Important Information Summary and Commercial Online Banking Terms and Conditions.
Need help? Give our Commercial Support team a call on 0203 402 8316 between 9am and 5.30pm Monday to Friday, or email commercial.support@metrobank.plc.uk.
How-to demos: Business Online Plus and Commercial Online Banking
Hover over the image to play
See how our online banking options stack up
| Business Online Banking | Business Online Plus | Commercial Online Banking | |
|---|---|---|---|
| Monthly maintenance fee | £0 | £5 per user, per month |
£20 per month for the first account (£10 per month for each additional account) |
| Current account required | Any | Business Bank Account | Commercial or Community Current Account |
| Daily external transaction limit | £21,000 | £50,000 | £50,000+ (can be customised) |
| Account-to-account transfer | ✔ | ✔ | ✔ |
| Faster Payments | ✔ | ✔ | ✔ |
| CHAPS | ✘ | ✔ | ✔ |
| International payments | On the Metro Bank app | ✔ | ✔ |
| Bacs | ✘ |
✔ (With approval – speak to your Relationship Manager) |
✔ (With approval – speak to your Relationship Manager) |
| Mobile Banking app | ✔ | ✘ | ✘ |
| Multiple payee uploads | ✘ | ✔ | ✔ |
| Enhanced audit / search features | ✘ | ✔ | ✔ |
| Commercial support team | ✘ | ✘ | ✔ |
| Multi-company access | ✔ | ✔ | ✔ |
| Security |
One-time password (OTP) |
A security device | A security device |
| Payment authorisation | Single authorisation only | Single and dual authorisation | Single, dual and verify authorisation |
| User rights | Admin and view-only users | View, input and authorise users |
|
Useful guides
Useful guides
Our guides will help you make the most of your Business Online Plus and Commercial Online Banking. You can view them here and download them to keep.
Administration, Preferences and Audit Reporting (PDF)(1.6MB)
Login, Balance and Transaction Reporting (PDF)(3.7MB)
Exporting Transaction Data (PDF)(1.9MB)
Making Transfers and Payments (PDF)(1.9MB)
Bulk and Batch Payments (PDF)(1.8MB)
Best browsers
Best browsers
For Business Online Banking, you need to use:
- Internet Explorer 11.0 or above
- Mozilla Firefox 76.0 or above
- Safari 12.0 or above
- Google Chrome 81.0 or above
- Microsoft Edge 82.0 or above
For Business Online Plus or Commercial Online Banking, you need to use:
- Mozilla Firefox 76.0 or above
- Microsoft Edge 82.0 or above
- Microsoft Internet Explorer 11.0 or above
- Google Chrome 81.0 or above
- Apple Safari 12.0 or above
FAQs
-
I’ve forgotten my login details – what should I do?
That depends what you’ve forgotten. To log into your account, you need:
Your 12-digit customer number OR your username,
Your 8-digit security number and
Your password
If you’ve forgotten your customer number or username, call us on 0345 08 08 508 or visit a store
If you know your customer number or username but have forgotten either your security number or your password, you can retrieve it via the Self-service portal.
If you’ve forgotten both your security number and your password, call us on 0345 08 08 508 or visit a store.
-
I’ve changed my mobile number – how can I get text passcodes to set up a new payee on Business Online Banking?
If you get a new mobile number, you need to let us know. Call us or visit a store.
Once we know your new number we’ll send passcodes to you as usual.
-
What are the cut-off times for Bacs, CHAPS and International Payments when I’m using online banking?
For CHAPS the cut-off time is 5pm and any payments must be authorised before this.
For Bacs the cut-off time is 7pm – with payments being subject to an additional funds check after cut-off.
For International Payments the time varies according to the currency.
Get full details of Payment cut off times (pdf).
Ways to bank
Mobile banking
No store? No problem. Manage your accounts wherever you are with mobile banking. Check balances, move money and more. Get our app and get started.
Store locator
Find a store
We've got stores all over greater London and beyond. Find out where they are and the nearest one to you with our easy-to-use store locator.