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What are my Commercial Account charges?

Transaction charges are applied from the day you open your account, will appear on your next statement and require payment within 28 days. The monthly maintenance fee period runs from the first to the last day of every month. If you join partway through a month, we'll start this on the following first day of the month. The monthly maintenance fee will appear in your next statement, and will require payment within 28 days.

See the table below for a full breakdown of fees: 

Transaction type Charge per transaction
Transfers between your Metro Bank business accounts FREE
ATM Withdrawals £0.50
Automated credits £0.25
BACS payments (subject to Metro Bank approval, please speak to your Relationship Manager) £0.20
Bill payments (store and internet) £0.50
Cheque payments £0.50
Cheques deposited £0.25
Debit card payments £0.50
Direct debit payments £0.50 
Direct debits £0.50
Faster payments - dated today £1.00 
Faster payments - future dated £0.50 
Standing orders £0.50 
Cash paid in/out or exchanged  0.50%
International payments: SWIFT £25 
International payments: SEPA £0.20
Same day UK CHAPS payments £25

Top frequently asked questions

I need some additional support with my Banking - what can I do?

We offer a range of additional support options to suit your banking needs and circumstances. To discuss how we can best support you, please call us on 0345 08 08 500, or visit your nearest store.

Where can I find my 12-digit ID?

You would have received your 12-digit customer number in your welcome letter or email.

If you've forgotten your number, you can:

- Check the mobile app: Log in to the Metro Bank app and go to the More menu to access Settings, and select My Details. Your ID should be located under your name.

- Receive it by SMS by providing a few details on the login page.

Visit a Metro Bank store.

- Personal customers can call 0345 0808 500

- Business customers can call 0345 08 08 508. Our specialist business team is available between 8am and 6.30pm, Monday to Friday. Outside of these hours, you can contact us on 0345 08 08 500.

How do I activate my card?

You can activate your card on the banking app, by visiting your nearest store or by calling us on 0345 08 08 500.

How do I activate the contactless feature on my card?

You will need to make a Chip and Pin payment before contactless can be used. Once this has been completed, the contactless feature will be activated.

How do I log into Online Banking?

Are you having issues logging in? For in-depth information see our detailed FAQ page.

Strong Customer Authentication? From 14 March 2020, a new EU regulation (Payment Services Directive) meant that all banks needed to provide an extra layer of security for their customers – it's called 'Strong Customer Authentication'. For more in-depth information see our detailed FAQ page.

Where you log in to Online Banking depends on the type of account you have:

You can also register for Online Banking here, and update your internet and mobile banking security details here.

I’m having issues with Online Banking – what can I do?

Sometimes technical difficulties can happen, and can be resolved through troubleshooting. Follow the steps and guides on this page (metrobankonline.co.uk/troubleshooting) for help with Online Banking.

How do I pay money into my account?

There are a few different ways you can pay money into your Metro Bank account, the fastest being a payment from one bank to another. You can also deposit a cheque or pay cash* into your account at your nearest store.

*Please note that you may be asked additional questions about the source of funds to help keep your money safe.

We’ve introduced limits on the amount of cash customers can pay into their Metro Bank account each day.

  • Personal accounts – new daily limit £5,000*
  • Business accounts (including community accounts) – new daily limit £10,000*

    *If you are depositing foreign currency into a ‘regular’ GBP or a Foreign Currency Account, this will be the GBP equivalent of the above limits using the exchange rate on the day of the deposit

The new cash deposit limit for Commercial Current Accounts won’t be introduced until early 2023. If you have this type of account, your Relationship Manager will be in touch nearer the time to discuss the new limit with you.

Changes to who can pay in cash

To pay cash into a Metro Bank account you must either:

  • be named on the account, or
  • have authority to manage the account – e.g. power of attorney, or
  • be paying less than £250 into a Young Savers account if you are not named on the account (the account holder or a named person on the account can pay in larger amounts), or
  • an employee paying into a business or commercial account for your employer, using a pre-printed paying-in slip issued to the account holder.

Exchanging cash

You can only exchange cash over the counter if you’re a Metro Bank customer.

How do I make a payment?

You can make a payment:

See our online guide to making payments for more information.

Is Confirmation of Payee available at Metro Bank?

Confirmation of Payee is the account name checking service that allows payers to confirm if the name held on a payee’s account belongs to the person or business they want to pay. This can help to protect individuals and businesses against certain types of fraud, and to prevent payments like CHAPS, Faster Payments and Standing Orders from being sent to the wrong account.

Metro Bank provides the Confirmation of Payee service for incoming and outgoing payments and it’s available on all Metro Bank customer accounts on the channels below:

  • Our Mobile App
  • Personal and SME Online Banking
  • Business Online Plus
  • Commercial Online Banking.

Find out more about Confirmation of Payee

Why am I seeing a warning that the payee details can’t be validated, don’t match or are a close match?

Metro Bank has introduced Confirmation of Payee – a name checking service that matches the name of the payee you want to create against the details held on their account, giving you greater confidence that you’re paying the right person or company.

Find out more about Confirmation of Payee

How do I report a lost or stolen card?

If you have lost your card or had it stolen you should cancel it immediately. You can do this through our mobile app, on online banking or in store.

You can also call us on 0345 08 08 500 if you are a personal customer or 0345 08 08 508 if you are a business customer. 

See more in-depth information and step-by-step guides for cancelling your card.

I don't recognise a card payment, what can I do?

This often happens because some companies have trading names that are different to the name you are used to seeing. Check our table of trading names for more information and advice on what to do next.

How do I open a Metro Bank personal current account?

We’ve made it really easy to open a personal current account with Metro Bank. Just come in to one of our stores  or apply online - all you’ll need is proof of your identity and up to two documents for proof of address. Your current account will be up and running straight away. If you apply in store, we’ll even print your bank card there and then. If you open your account online, your card will arrive within a few days.

Find out more about personal current accounts

I keep receiving one-time passcodes that I haven’t requested – what should I do?

This may have been requested by a third party provider (TPP). To find out why the TPP is accessing your account and to stop the OTPs being sent, you need to contact them. You can then withdraw your permission for them to access your account. You can also get in touch with us to reset your login details for additional security.

If you don’t think you’ve ever given consent for a TPP to access your account, or are receiving OTPs other than those you have not requested, it may be fraud. To protect your security, it is important to reset all of your login details as soon as you can – just give us a call on 0345 08 08 500 or visit one of our stores.

I've received a suspicious email - what do I do?

We are aware that sometimes customers receive emails from people pretending to be us. You may be able to identify a suspicious email by:

  • A spelling mistake in the email address
  • Being asked to confirm your personal/ security details
  • Being asked to login to your internet banking via a provided link to confirm a transaction

If you are suspicious of an email, please forward it to phishing@metrobank.plc.uk. If you need more help, please call us on 0345 08 08 500.

How long does it take for a cheque to clear?

Cheques normally take 4 working days to process. If a bank holiday falls during the clearance period, the number of days will be extended accordingly. For example, a cheque paid in on Thursday before 3:30pm, when the following Monday is a bank holiday, will be available on the following Wednesday rather than Tuesday.

When paying in cheques drawn on a non-UK bank, please allow 6 - 8 weeks for clearance.

Our products

Ways to bank

Online

Metro Bank 24/7. Check balances, make payments, change your details and open new accounts any time - all with Online Banking.

Mobile

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

In store

Our stores are open seven days a week. Before you visit us, please check our opening hours.

By phone

Talk to a real person in our UK contact centre. Click the button below to check when we're available.

More useful phone numbers

Lost and stolen cards

Lost and stolen cards

Call 0345 08 08 500 to report your card lost or stolen.

Opening hours:

  • 24 hours a day, 7 days a week, 365 days a year
Card security, card fraud and card disputes

Card security, card fraud and card disputes

Call 0345 08 08 509 if you are worried about fraud on your debit, credit or cash card or your card has been blocked. Opening hours: 24 hours a day, 7 days a week, 365 days a year.

Account security and fraud

Account security and fraud

Call 0345 08 08 500 if you are worried about the security of your Metro Bank account or if you are suspicious of fraudulent activity on your account.

Opening hours:

  • 24 hours a day, 7 days a week, 365 days a year
Switching your account

Switching your account

Want to switch your personal or business current account to Metro Bank? Call us on 0345 08 08 500.

We can also help with switches that are in progress.

Opening hours:

  • Monday to Friday: 8am to 4pm
Mortgages

Mortgages

Existing customers: For questions about your existing Metro Bank mortgage, call 0345 319 1200.

If you’re concerned about making your payments or you account is in arrears, call 0345 319 1201.

Opening hours:

  • Monday to Friday: 8.30am to 6pm

New mortgage applications: If you have a question about a new mortgage application, call 0203 427 1435.

Opening hours:

  • Monday to Friday: 9am to 5.30pm

Existing mortgage applications: If you have a question about a mortgage application that has already been submitted and has not yet completed, please call 0203 402 8076.

Opening hours:

  • Monday to Friday – 9am to 5.30pm

Mortgage Brokers: For enquiries on new and existing applications, please call us on 0203 427 1019.

Opening hours:

  • Monday to Wednesday, 9am to 5:30pm
  • Thursdays, 9:30am to 5:30pm
  • Fridays, 9am to 5:30pm
  • Saturdays & Sundays, closed
Savings

Savings

For help with our savings products, including ISAs, call us on 0345 0808 500. Amaze Direct would be your first point of contact and they are available 24/7.

Arrears

Arrears

If you want to discuss arrears on your Metro Bank Current Account, Cash Account, Personal Loan, Business Start Account, Business Bank Account, Small Business, Commercial or Community Account, or if you have a question about a collection letter you have received, call 0345 241 3075

Opening hours:

  • Monday to Thursday: 8am to 8pm
  • Friday: 8am to 5.30pm
  • Saturday: 9am to 5.30pm
St James's Place products

St James's Place products

If you have a question about a Metro Bank/St James's Place product, including intergenerational mortgages, call 0203 402 8970.

Opening hours:

  • Monday to Friday: 9am to 5.30pm

Make a complaint

We take our outstanding customer service very seriously. If you’re not happy about something, we need to know. Tell us what went wrong:

Write to us

Prefer pen and paper? Send us a letter to the following address:

Metro Bank, One Southampton Row, London, WC1B 5HA.

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