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Business Bank Account

Apply for our Business Bank Account online in minutes

Our small business bank account for start-ups, sole traders and limited companies with under £2 million turnover a year. Keeping banking simple so you can do business better.

Apply for an account today

Get your business account up and running. Applying is easy and works best on your mobile phone.

Apply online now    Resume your online application

More than £2 million annual turnover? You’re looking for our Commercial Current Account.

Got an invite code? Make sure you have your unique invite code ready and complete your part.

Terms and conditions apply. Read the ins and outs at a time that suits you by downloading our Business Bank Account details.

Benefits of banking with Metro Bank

#1 for service

With a dedicated Local Business Manager in every store, we’ve been rated #1 for business store service three times in a row*.

Simple pricing

Keep your balance at £6,000 or more for the whole month and we'll waive your monthly fee and give you 30 free UK transactions for the month. More about account fees.

Stay in control on the go

Our five-star-rated App** lets you check your balance, manage payments and get real-time insights.

Smart tools

Stay organised and save time with a range of business and accounting tools so you have more time to focus on what matters most. Find out more.

24/7 support

Need help with your account? Our UK-based contact centres are open all day every day, for help when you need it.

Perks

Get expert advice from Enterprise Nation and a year’s free access to their network of trusted advisors.

Apply online now

Applying is easy and works best on your mobile phone

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What is your annual turnover?

Our Commercial Current Account is designed for your high turnover business - you can find more information here.

Will this be the only Metro Bank account for the business?

Not a problem.

Give us a call on 0203 402 8054 or email us at TBM@metrobank.plc.uk, and we’ll be in touch to discuss your needs.

How is your business set up?

Sole trader

If you’re self-employed, run your own business as an individual and haven’t registered it at Companies House, you’re likely to be a sole trader.

Limited company

Limited companies are registered at Companies House.

Limited by guarantee

A ‘limited by guarantee’ company will be registered at Companies House. Unlike a standard limited company, there are no shares or shareholders. Instead the company is owned by guarantors who agree to pay a set amount of money towards company debts.

Limited liability partnership (LLP)

LLPs are registered at Companies House. Unlike ordinary partnerships, members aren’t personally liable for any debts the business can’t pay.

If you’ve had an email from us with a unique code and details about completing your part of a Business Bank Account application, click below to get started.

Enter your code

Simple pricing

There's no monthly charge for this account as long as the balance remains above £6,000 every day within the month.

Account fees

Your daily balance Monthly bank fee UK transaction fees
£6,000 or more Zero 30 free per month, then £0.30 each
Under £6,000 £6.00 £0.30 each

 

 

Using your debit card abroad

Location Card purchase Cash withdrawal
Within Europe FREE FREE
Outside Europe 2.99% 2.99% + £1.50

 

Download our PDF for a full list of transaction and service charges including international payments and CHAPS payments.

Business Bank Account details (PDF) (289KB).

Our Service Relationship with Business Customers (PDF) (1.1MB)


Ready to apply?

Open a new account

Already started an application and want to resume? Yes, resume application.

Documents we need to open your account – whether in store or online

We’ve worked with other providers of UK business banking accounts to agree a basic set of information that we’ll need from you to set up your business current account. Find out what you’ll need to provide using this simple guide from UK Finance, the UK’s leading trade association for financial services. 

Or view our handy checklist.

7-day Switch Guarantee

Switching your business account to Metro Bank is simple and hassle-free. And we guarantee to have it all done and dusted for you in 7 days if your annual turnover is below £6.5 million.

FAQs

How do I apply online as a multiple director company?

Go to ‘Apply online now’ above, answer a few questions about your business, and select ‘Get started’ to go to the start of the application. You’ll be asked if there are other directors in your company, and whether you want to give them account access.

Please note:

  • When you apply online you can only give account access to directors. You can add others — e.g. your accountant — by popping into a store.
  • Each director you add will be emailed an invite with a link, so they can go and fill out their part of the application.
  • Any director that you give access to will be an authorised signatory and have full account access.
  • Directors with account access can use Online Banking to make payments up to the daily limit of £21,000.
  • Each director with account access will be given their own debit card for the account.
  • All directors, shareholders and key account users must be 18 or over and UK residents.

Apply now

What documents do I need to open a Business Bank Account?

We worked with other providers of UK business bank accounts to agree on what basic information we ask customers to provide when setting up an account. Check the UK Finance guide to opening a business account for more information.

How can I reduce my bank charges?

Keep your account balance above £6,000 for any whole month and for that month you’ll pay no monthly fee – plus we’ll give you 30 free transactions.

If your balance falls below £6,000 at the close of business on any day you’ll pay the low monthly fee of £6, plus £0.30 per transaction for that month.

Can I get an overdraft with my business account?

You can apply for a business overdraft with your business account – just talk to your Local Business Manager.

Does Metro Bank offer a business credit card?

Yes, our Business Credit Card has no fees, a simple low rate and no transaction fees in most European countries. To apply visit your Local Business Manager in store – no appointment necessary.

Can I use my debit card abroad?

You can use your debit card within Europe with no fees for card purchases or cash withdrawals. If you’re using your card outside of Europe there will be a fee for purchases and withdrawals.

More information on using your debit card abroad

How long does it take to open a Metro Bank Business Bank Account?

You can apply online in minutes. Alternatively, pop into store and a Local Business Manager will get you set up and print your card on the spot – no appointment necessary.

Before coming to a store, please check what documents you need to bring so we can get you started as quickly as possible.

How can I deposit cash?

Visit your local store – we’re open 7 days a week from early ‘til late.

Not near a store? Access your account at Post Office® branches across the country. Pay in cash and cheques, or use their change giving service. Find out more about banking through the Post Office.

What age do I have to be to open a Business Bank Account online?

All directors and shareholders must be 18+ for the company to apply online.

How do I switch my banking to Metro Bank?

Switching your current account to Metro Bank is simple and hassle-free. We guarantee to have your account switched in 7 days if your annual turnover is below £6.5 million.

Simply visit your local store to make the switch.

*Independent CMA survey carried out in Great Britain by BVA BDRC between January 2021 and December 2021 – Service in branches. Results at www.bva-bdrc.com.

**Metro Bank App rating on Apple Store.