Independent BankAdvisor review
Metro Bank Overview
Metro Bank is a UK high street bank built around branch-style stores, everyday current accounts, business banking, app banking and personal banking support. It may suit customers who still value face-to-face help and extended opening hours in areas where Metro Bank has stores.
Editorial Review
Last reviewed: 30 June 2026
Key Features
| FSCS Protection | Yes - eligible deposits are protected up to the current FSCS limit per person, per authorised firm. |
| Monthly Fee | Personal Current Account: £0 monthly account fee. |
| Branch Network | Metro Bank has a smaller store network than the largest UK banks; check local availability before choosing. |
| Mobile App Rating | Generally strong app ratings on the main app stores; check current listings before applying. |
| Savings | Instant access savings, instant access cash ISA, Young Savers, fixed term savings and fixed rate cash ISA products are available, with rates and access rules varying by product. |
| Spending Abroad | Metro Bank has historically been more favourable for Europe than some providers, but fees can apply by region and transaction type. |
| Support | Store, phone, online and app support available. |
| Apple Pay / Google Pay | Supported for eligible cards and devices. |
Metro Bank at a Glance
- Metro Bank offers a no-monthly-fee personal current account, debit card, overdrafts subject to eligibility, savings accounts, business banking, app banking, online banking and in-store support. Its branch footprint is smaller than the largest UK banks but its store model remains a key differentiator.
Metro Bank Services
Metro Bank provides current accounts, savings, personal loans, mortgages, business accounts, safe deposit boxes in selected stores, app banking, online banking and in-store support. Customers should check local store availability before relying on branch access.
May suit
- OKNo monthly fee on the standard personal current account
- OKBranch-style store access where Metro Bank operates
- OKApp and online banking available
- OKEligible deposits are FSCS protected
- OKUseful for customers who value face-to-face support
- OKBusiness banking and safe deposit options are available in selected locations
May not suit
- !Store network is smaller than the largest UK banks
- !Travel card fees vary by region and transaction type
- !Customer review scores can be mixed
- !Savings rates may not always lead the market
- !Not as app-first as some digital banks
- !People who want app-first budgeting tools above branch access
Our Assessment of Metro Bank
Metro Bank is worth comparing for readers who want a high street-style bank with in-person support and app banking. It may be less suitable for people outside its store network or for frequent overseas card spending outside Europe.
Continue Reading
Continue with the Complete Metro Bank Review
You've read the summary. Our Complete Review examines the account in much greater detail, helping you understand how it performs in everyday banking before you decide.
- Detailed feature analysis
- Fees and charges explained
- Everyday banking experience
- Account strengths and limitations
- Protection and eligibility
- Comparison with similar UK banks
How We Compare Digital Banks
Metro Bank is different from many high street banks because its store experience is central to the proposition. Compared with app-only banks it offers more in-person support, but compared with the largest banks it has a smaller physical footprint.
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The information on this website is provided for general guidance only and may not always reflect the latest fees, rates, or terms offered by each bank. While we do our best to keep content accurate and up-to-date, you should always check the bank's official website or app before applying for an account. Nothing on this site constitutes financial advice.
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