Personal Business About Service status Coronavirus (COVID-19) Find a Store Help Log in Dealing with debt Personal Borrowing Dealing with debt Managing debt responsibly While personal loans, credit cards and overdrafts can help when expensive or unexpected costs pop up, it’s important to make sure that they are managed responsibly. We want to make sure you’re in control, which is why we won’t lend you more than you can afford, and provide you tools to help keep track of your spending. Think carefully before you borrow It’s important to carefully consider how you’re going to repay your debts if you borrow money. For instance, if you borrow against your property, you run the risk of paying more and could lose your home if you do not keep up with repayments. If you’re unsure, seek out trusted advice before borrowing. How we help you to manage your debt 1. Analyse your spending easily with online and mobile banking Manage your accounts online and on your mobile. Transfer money, pay off credit card debts, and set up additional accounts quickly to suit your needs. 2. Fair and straightforward rates We believe in being fair and straightforward with you about our rates. This means you’ll know how much you’ll pay and for how long. No hidden fees or extra charges. 3. Automate your payments and direct debits Know when you need to make payments? You can set up an automated direct debit, meaning your bills will always be paid on time without you needing to worry about it. Need help with something specific? Helping to manage repayments Having trouble with debt? Know which debts to pay first Understanding your credit score Looking for independent advice? Money Helper can provide independent advice and information on dealing with your debt. Visit them at https://www.moneyhelper.org.uk/ Store Locator Careers Press Mortgage Intermediaries Investor Relations Developer site Modern Slavery Act Your eligible deposits with Metro Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered. For further information visit www.fscs.org.uk. Metro Bank PLC. Registered in England and Wales. Company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metro Bank PLC is an independent UK Bank - it is not affiliated with any other bank or organisation (including the METRO newspaper or its publishers) anywhere in the world. "Metrobank" is the registered trademark of Metro Bank PLC. Accessibility Legal Information Privacy Sitemap Copyright 2021 Metro Bank. All rights reserved