Personal Business About Service status Coronavirus (COVID-19) Find a Store Help Log in Personal Bank accounts Information about our personal current account services Information about our personal current account services The Financial Conduct Authority requires us to publish the following information about our Personal Current Accounts. How to open a current account To open any of our accounts a new customer will need to provide us with the documents and information set out at www.metrobankonline.co.uk/borrowing/i-want-information-about/what-i-need-to-open-a-personal-account. We may request additional information or documents in individual cases. You can open an account: Without visiting a branch ✔ Where a visit to a branch is required, without an appointment ✔ By sending us documents and information electronically In some cases By post In some cases How and when you can contact us to ask about the following: Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account, or of queries you can raise in one of our branches. 24 hour help? Telephone Internet banking Mobile banking Contact details 0345 0808 500 Checking the balance ✔ 24 hours a day, 7 days a week Not possible Not possible Sending money within the UK, including setting up a standing order ✔ 24 hours a day, 7 days a week Not possible Not possible Sending money outside the UK ✔ 24 hours a day, 7 days a week Not possible Not possible Paying in a cheque ✔ 24 hours a day, 7 days a week Not possible Not possible Cancelling a cheque ✔ 24 hours a day, 7 days a week Not possible Not possible Cash withdrawal in a foreign currency outside the UK ✔ 24 hours a day, 7 days a week Not possible Not possible A lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds ✔ 24 hours a day, 7 days a week Not possible Not possible A direct debit, or allowing someone to collect one or more payments from your account using your debit card number ✔ 24 hours a day, 7 days a week Not possible Not possible Third party access to an account, for example under a power of attorney ✔ 24 hours a day, 7 days a week Not possible Not possible Problems using internet banking or mobile banking ✔ 24 hours a day, 7 days a week Not possible Not possible Reporting a suspected fraudulent incident or transaction ✔ 24 hours a day, 7 days a week Not possible Not possible Progress following an account suspension or card cancellation, e.g. following a fraud incident ✔ 24 hours a day, 7 days a week Not possible Not possible Account opening: including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available ✔ 24 hours a day, 7 days a week Not possible Not possible How and when you can use your bank account to do the following things: Note: this is a list of common actions. It does not represent the full list of actions you can take in relation to your account [or actions you can take in one of our branches]. Telephone Internet banking Mobile banking Checking the balance 24 hours a day, 7 days a week 24 hours a day, 7 days a week 24 hours a day, 7 days a week Accessing a transaction history 24 hours a day, 7 days a week 24 hours a day, 7 days a week 24 hours a day, 7 days a week Setting up a standing order 24 hours a day, 7 days a week 24 hours a day, 7 days a week 24 hours a day, 7 days a week Sending money within the UK 24 hours a day, 7 days a week 24 hours a day, 7 days a week 24 hours a day, 7 days a week Sending money outside the UK 24 hours a day, 7 days a week Not possible 24 hours a day, 7 days a week Paying in a cheque Not possible Not possible Not possible Cancelling a cheque 24 hours a day, 7 days a week Not possible Not possible Information about operational and security incidents We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services. Quarterly Between 1 April 2021 and 30 June 2021 Yearly Between 1 July 2020 and 30 April 2021 Total number of incidents reported 0 0 Incidents affecting telephone banking 0 0 Incidents affecting mobile banking 0 0 Incidents affecting internet banking 0 0 The speed of our personal account opening process How quickly do we open personal current accounts? the same day, for 90% of customers on average, in 0 day(s) within 6 days for 99% of customers. These figures are based on the time taken from our receiving all the information and documents we ask for on this page, in a case where we don’t need any further information or documents to open the account. How quickly do we give customers a debit card? the same day, for 61% of customers on average, in 2 day(s) within 5 days for 99% of customers. How quickly do customers get internet banking? the same day, for 100% of customers on average, in 0 day(s) within 0 days for 99% of customers. How quickly is an overdraft available? the same day, for 99% of customers on average, in 0 day(s) within 0 days for 99% of customers. The speed with which we can replace a debit card: the same day, for 70% of customers on average, in 1 day(s) within 6 days for 99% of customers. What is the interest rate being charged on our products? Product Annual interest rates payable for arranged overdrafts (rates as from 30th of June) Annual interest rates payable for unarranged overdrafts (rates as from 30th of June) Refused payment fee (rates as from 30th of June) Personal Current Account 34% 34% £0 How do our overdrafts compare? A good way to compare the cost of our overdraft with other overdrafts or other ways of borrowing is to look at the APR. The APR shows the cost of borrowing over a year. Information about overdraft pricing in the 3 months between 1 April 2021 and 30 June 2021 Product Advertised APRs (rates as from 30th of June) Personal Current Account 34% Complaints Data Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data. The most recent complaints summary is available here The Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at https://www.ombudsman-complaints-data.org.uk// For more information on how we support the needs of all of our customers, click here. 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 We need your consent to continue We've put some small files called cookies on your device to make our site work. We'd also like to use cookies that send us information about how our site is used so we can improve our site. 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