Choose Metro Bank if...
- You live near a Metro Bank store.
- You value face-to-face support.
- You want a no-monthly-fee current account.
- You may use savings or business banking alongside personal banking.
Updated 3 July 2026 - High street bank comparison
Metro Bank vs SantanderWhich should you choose?
Metro Bank and Santander can both work as UK high street banking options, but they suit different priorities. Metro Bank may appeal if store-style branch access, everyday banking and face-to-face support matters most, while Santander may be worth comparing if you prefer cashback-style accounts, bills and broad everyday banking.
Quick verdict
Pick Metro Bank if you live near a metro bank store.
Pick Santander if you want cashback-style account benefits.
Choose Santander if...
- You want cashback-style account benefits.
- You pay household bills from your current account.
- You want branch and app access.
- You may use Santander savings or borrowing products.
Metro Bank vs Santander: side-by-side
| Category | Metro Bank | Santander | Edge |
|---|---|---|---|
| Best overall fit | Store-style branch access, everyday banking and face-to-face support | Cashback-style accounts, bills and broad everyday banking | Tie |
| Monthly fee | Personal current account has no monthly account fee. | Standard and paid cashback-style account options available. | Tie |
| Branch access | Store-style branch network, but coverage is smaller than the largest UK banks. | UK branch network with app and online banking. | Tie |
| Mobile app | App and online banking for everyday account management. | Good app for day-to-day banking and card management. | Tie |
| Savings | Instant access, cash ISA, children's savings and fixed-term products may be available. | Savings and ISA options may be available. | Tie |
| Support | Store, phone, app and online support. | Branch, phone, app and online support. | Tie |
| Extra products | Current accounts, savings, business banking and safe deposit boxes in selected stores. | Cashback-style accounts, credit cards, loans and mortgages. | Tie |
Final verdict
Metro Bank and Santander are worth comparing side by side. The better fit depends on whether you care more about store-style branch access, everyday banking and face-to-face support or cashback-style accounts, bills and broad everyday banking.
Continue researching
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