Metro Bank current account review
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A current account with Metro Bank can be opened either in-store or online with no need for an appointment. It offers a range of benefits, including free transactions in Europe and guaranteed switching in 7 days.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologyMetro Bank is a challenger bank, but not a digital-only one. It was founded in 2010 and by the end of 2023, it had around 3 million customers, making it one of the most widely used challengers around.
Metro does have branches, but opening hours have been reduced since the bank first launched and it no longer opens on Sundays. Only some branches open on Saturdays. You don’t need an appointment to open a bank account.
Metro Bank’s current accounts come in two forms: the current account and the cash account. Both offer a range of tantalising features.
The eye-catching feature of Metro Bank’s main current account is that it doesn’t charge for use in Europe. You can set up the account in-store or online, it’s up to you. Also, with the Current Account Switch Service, you’re guaranteed a 7-day switch, including direct debits and standing orders.
Metro Bank also offers a simplified version of its current account for those wanting to keep things super straightforward. It’s similar to the current account in that it can be opened instantly and offers contactless payments. The big difference is that it doesn’t provide an overdraft or direct debit payments. The cash account also has some restrictions on overseas use and transactions. It can’t be used outside the United Kingdom, aside from places where the Link logo is displayed on a cash machine (eg. Channel Islands and Isle of Man).
Metro Bank doesn’t have any accounts meant exclusively for children. However, its cash account can be opened if you’re aged 11 or over, while the Young Savers easy access account is designed for anyone aged 21 and under (parents, guardians or grandparents must open the account for children aged 10 or under). Your child can get both of these accounts and enjoy the full “grown-up” banking experience, learning both how to deal with day-to-day spending and savings. Learn more about these children accounts offered by Metro Bank.
With Metro Bank, you have several different business accounts to choose from. The bank offers an account designed to support small businesses with a turnover of under £2 million a year, as well as an account for larger businesses with an annual turnover of above £2 million. In addition, Metro Bank offers an account for dealing in foreign currencies, an account for community groups and an account for insolvency professionals.
Learn more about business accounts
You can open a Metro Bank current account both online (with a selfie) and in person. You’re eligible if you’re a UK resident and 18 or over. You’re going to need a proof of identity and a proof of address.
If you aren’t a UK or EU national, you’re also going to need a valid visa, and you won’t be able to open the account online.
Once you’re registered, you get:
Alternatively, you can also open a Metro Bank cash account, which is a more basic account that doesn’t allow direct debits and overdrafts, and whose card can’t be used outside the UK. You still need to be resident in the UK, but minors as young as 11 can open one.
Metro Bank was ranked 18th out of 20 current account providers in our independent 2025 customer satisfaction survey, and 77% of customers said they’d recommend the current account service. Users highlighted the bank’s helpful customer service staff and convenient branch locations. Here’s what some of those Metro Bank customers had to say in our survey:
“Great customer service and excellent products.”
“Customer service is excellent.”
“The brand is reliable.”
Metro Bank has a Trustpilot rating of 1.8 out of 5 from more than 5,000 reviews. On the Apple App Store, its mobile banking app scores 4.8 out of 5, based on more than 211,000 user reviews. On the Google Play Store, it scores 4.6 out of 5, based on over 45,000 reviews. These were last updated in April 2025.
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To open an account with Metro Bank, simply go into a branch or apply online. If you’re aged 18 and are a UK, EEA or Swiss citizen not in full-time education, you’ll only need a small amount of information. You’ll need proof of your identity and up to two documents for proof of address.
You can open an account with Metro Bank online or in person at a high street branch.
Metro Bank has had switching deals in the past, but isn’t offering any switching deals at the time of writing.
Yes, Metro Bank does offer joint accounts for 2 people. To open, you need to both go into a branch.
No, Metro Bank doesn’t offer a packaged or premier bank account. We have a guide on other premier accounts, if you want to compare your options.
One of the big benefits of opening a Metro Bank current account is there are no charges for spending or cash withdrawals in Europe – something that many banks don’t offer, especially on their standard accounts. Another key way in which Metro Bank aims to differentiate itself is via the quality of its in-branch banking services. If these are things that might help you out, a Metro Bank current account could suit you.
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