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Metro Bank Complete Review

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.

High Street BankFSCS ProtectedBranch access
Metro Bank branch access and everyday banking illustration

Review contents

Overview & Approach

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.

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.

This complete review expands on the overview page by looking at account features, fees, protection, app experience, support options and the practical trade-offs readers should check before choosing.

Trust & Customer Ratings

Metro Bank is reviewed using public information, official provider details and available customer feedback signals. Eligible deposits are covered by FSCS protection where the account is held with the relevant authorised UK bank.

Customer review and app-store ratings can change quickly, so readers should treat them as a snapshot rather than a permanent score.

2.6 / 5

★★★★★★★★
(Trustpilot)

Trust Score

FSCS Protection

Yes - £120,000

App Store

Apple App Store

4.8 / 5

Google Play

Google Play

4.3 / 5

Phone Support

Available

Branch Access

70+ stores

Digital & App Features

Metro Bank supports everyday banking through a mix of app, online, telephone and branch or partner-channel support, depending on the account and location.

The most important checks are monthly fees, overseas card charges, overdraft pricing, savings eligibility, app controls, support access and FSCS licence grouping.

✓

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.

Account types and fees

Account Types & Fees

Metro Bank offers a no-monthly-fee personal current account alongside instant-access savings, cash ISA, children's savings, fixed-term savings and fixed-rate cash ISA products. Savings rates vary by product, term, tax wrapper and access rules.

The savings range checked for this review includes Instant Access Savings, Instant Access Cash ISA, Young Savers, Fixed Term Savings and Fixed Rate Cash ISA. Instant-access products are lower-rate but flexible, while fixed products offer higher rates in return for locking money away.

Metro Bank states eligible deposits with Metro Bank PLC are protected by the Financial Services Compensation Scheme up to the current limit.

Account types covered

Product areas covered in this review. The detailed fees, rates and conditions are grouped below.

  • Personal Current Account (£0 monthly account fee)
  • Instant Access Savings
  • Instant Access Cash ISA
  • Young Savers
  • Fixed Term Savings
  • Fixed Rate Cash ISA
  • Overdrafts subject to eligibility
  • Personal loans, mortgages and business banking where available
  • Mobile, online and store banking

Detailed fees and rates

Grouped by product area to make account fees, savings rates, card costs and important conditions easier to compare.

Everyday banking
ItemApplies toDetail
Monthly Account FeePersonal Current Account£0
Arranged OverdraftIf eligibleSubject to eligibility and affordability; borrowing costs should be checked before applying
Travel and card use
ItemApplies toDetail
Foreign Card SpendingDebit cardTravel card fees vary by region and transaction type; check current travel terms before using the card overseas
Savings
ItemApplies toDetail
Instant Access SavingsEasy-access savings0.90% AER / 0.90% gross variable; £1 minimum; interest paid monthly
Cash ISAs
ItemApplies toDetail
Instant Access Cash ISAFlexible cash ISA0.90% AER / UK tax-free variable; £1 minimum; interest paid annually; withdrawals can be replaced in the same tax year within ISA rules
Fixed Rate Cash ISA1 or 2 years3.60% tax-free/AER fixed; £1 minimum; annual ISA subscription limit applies; no partial withdrawals
Fixed Rate Cash ISA3 or 5 years3.65% tax-free/AER fixed; £1 minimum; annual ISA subscription limit applies; no partial withdrawals
Fixed Rate Cash ISAEarly closure or transferFull closure or transfer before the end of the term loses 180 days' interest
Fixed-term products
ItemApplies toDetail
Fixed Term Savings3 months2.02% AER / 2.00% gross at maturity, or 2.00% AER / 1.99% gross monthly; £500 minimum; no access after 14-day opening window
Fixed Term Savings6 months2.01% AER / 2.00% gross at maturity, or 2.00% AER / 1.99% gross monthly; £500 minimum; no access after 14-day opening window
Fixed Term Savings1 year3.70% gross/AER fixed annually, or 3.64% gross / 3.70% AER monthly; £500 minimum; no access after 14-day opening window
Fixed Term Savings18 months3.70% gross/AER fixed annually, or 3.64% gross / 3.70% AER monthly; £500 minimum; no access after 14-day opening window
Fixed Term Savings3 years3.75% gross/AER fixed annually, or 3.69% gross / 3.75% AER monthly; £500 minimum; no access after 14-day opening window
Children's accounts
ItemApplies toDetail
Young SaversChildren and young people1.65% AER / 1.64% gross; £1 minimum; interest paid monthly; unlimited access but 1 day's notice may be required
Important note: rates, fees and eligibility can change. Use these figures as a checked summary, then confirm the latest details with the provider before applying or moving money.

App Experience

Metro Bank's app and online banking support everyday tasks such as checking balances, viewing transactions, making payments and managing cards.

Readers who rely heavily on mobile banking should compare current App Store and Google Play feedback as well as the provider's own feature list.

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

Final Verdict

Metro Bank is worth comparing if its support model, fees and account features match what the reader needs. It should not be treated as universally better or worse than other high street banks without checking the specific trade-offs.

Before choosing, readers should verify current fees, savings rates, eligibility rules, overseas charges and FSCS licence details directly with the provider.

Metro Bank Features Overview

About Metro Bank

  • 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.
  • 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.

Savings & Pots

  • Savings range includes instant access savings, instant access cash ISA, Young Savers, fixed term savings and fixed rate cash ISA products.
  • Instant Access Savings: 0.90% AER / 0.90% gross variable, with a £1 minimum and monthly interest.
  • Instant Access Cash ISA: 0.90% AER / UK tax-free variable, with flexible ISA withdrawals that can be replaced in the same tax year within ISA rules.
  • Young Savers: 1.65% AER / 1.64% gross, with a £1 minimum and monthly interest.
  • Fixed Term Savings: 3 month and 6 month terms around 2.00% AER, 1 year and 18 month terms at 3.70% AER, and 3 year terms at 3.75% AER.
  • Fixed Term Savings require at least £500 and cannot normally be accessed after the 14-day opening window until maturity.
  • Fixed Rate Cash ISA: 3.60% tax-free/AER fixed for 1 or 2 years, and 3.65% tax-free/AER fixed for 3 or 5 years.
  • Fixed Rate Cash ISA does not allow partial withdrawals; early full closure or transfer loses 180 days' interest.

Loans & Overdrafts

  • Overdrafts may be available subject to eligibility.
  • Credit, loan or mortgage products vary by provider.
  • Borrowing costs should be checked directly with the bank.

Who May Metro Bank Suit?

  • No monthly fee on the standard personal current account
  • Branch-style store access where Metro Bank operates
  • App and online banking available
  • Eligible deposits are FSCS protected
  • Useful for customers who value face-to-face support

Card & Spending

  • Debit card available with current accounts.
  • Apple Pay and Google Pay support where eligible.
  • Overseas fees should be checked before travelling.

Budgeting & Money Tools

  • Mobile app and online banking available.
  • Transaction history and payment tools available.
  • Budgeting depth varies by provider.

International & Travel

  • Check foreign card spending and ATM fees before travelling.
  • ATM operator fees can apply separately.
  • Compare specialist travel cards if overseas use is a priority.

App & Usability

  • Compare app-store ratings and recent customer feedback.
  • Check branch, telephone and online support availability.
  • Service experience may vary by location and account type.

Explore by product

More ways to compare Metro Bank

Current accounts →Compare everyday accounts, fees, overdrafts and access.

Financial Information Disclaimer

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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