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Community Current Account

A bank account for clubs, societies and charities

Our Community Current Account can help you organise the local Saturday football club's finances, or stay on top of a national charity's accounts.

We believe in letting you decide how you want to bank with us – whether that’s through Online Banking, in store, over the phone or on our App.

Ways to bank

Clear charges and fees

No surprises, with simple charges and no monthly maintenance fees

200 free transactions

Save money with 200 free transactions each month

Free giant cheques

Make a splash with free giant cheques for prizes or charity donations

Open a Community Current Account

If you’re a commercial customer, speak to your Relationship Manager or Local Director – otherwise visit us in store.

What you need to open this account

What you need to open this account

From 13 July 2022 the maximum annual turnover limit for this account will be reduced from £2 million to £250,000, and you will be allowed a maximum limit of three account operators.

To open a Community Current Account, you must be 18 or over and your organisation must be classified as a UK-based club, society or charity.

What we need to open your account

Please bring us the right documents, so we can get your account up and running straight away.

Different types of organisations will need different documents:

  • Registered charity: Minutes of the Meeting and Charity Commission number
  • Registered and limited charity: Charity Commission number and Company Registration number
  • Club/society/association: Minutes of the Meeting and constitution documents. If there are no Constitution documents available, a letter on headed paper confirming the same information is acceptable.

Minutes of the Meeting need to confirm:

  • An account is to be opened with Metro Bank in the name of the organisation
  • Who your organisation’s key officials are (chairperson/treasurer/secretary)
  • Who the signatories of the account will be, and the signing rules for the account.

The Minutes of the Meeting must be signed by two key officials, where there are two or more.

Constitution documents need to confirm:

  • What the organisation does
  • Who the appointed board/committee members are
  • Who the key officials are (chairperson/treasurer/secretary).

Proof of ID

A valid passport, EU national ID card or UK driving licence is ideal, and may be all we need.

Show suitable ID for UK, EEA or Swiss Nationals Hide suitable ID for UK, EEA or Swiss Nationals

Photographic ID

  • Valid UK/EEA/Switzerland passport
  • Valid UK full photocard driving licence
  • Valid UK provisional photocard driving licence
  • Valid EU member state national ID photocard
  • Valid firearms certificate or shotgun licence.

We can only accept original documents, not photocopies.

Valid Passport/EU national ID Card means in date, undamaged and machine readable. Unfortunately, we can’t accept handwritten passports or ID cards.

Non-photographic ID

If you’re providing non-photographic ID, you’ll need to bring 2 proofs of address. We can only accept original documents, not photocopies.

  • Valid old-style UK driving licence (no photo)
  • HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account/NI contributions bill) issued in the last 3 months or valid for the current tax year. We can’t accept P45 or P60 forms
  • Notification letter from Benefits Agency/Local Authority confirming your right to benefits (Department for Works and Pensions (including Jobcentre Plus), Benefits Agency or Veterans Agency), dated within the last 12 months
Show suitable ID for other nationalities Hide suitable ID for other nationalities

Valid passport with your current visa (with at least 6 months left on it) or a Biometric Residence Permit.


People who we need ID for

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Limited company registered with Charity Commission

  • 2 directors (where there are two or more)
  • Authorised signatories
  • Nominated p

Charity registered with the Charity Commission

  • Two trustees (if five or more exist) OR all trustees (if four or fewer exist), as per the Charity Commission report
  • Authorised signatories
  • Nominated persons.

Unregistered charity

  • Two trustees (if five or more exist) OR all trustees (if four or fewer exist), as per the Charity Commission report
  • Authorised signatories
  • Nominated persons.

Club/society/association

  • A minimum of two key officials (where two or more exist), i.e. chairperson, treasurer or secretary as listed in the Minutes of the Meeting
  • If only one key official exists, only that individual will need to be identified.

Proof of address

Must have your name and current address on it. We only accept originals. It’s good to bring 2 of these with you, just in case.

Show suitable proofs of address Hide suitable proofs of address
  • Current UK full photocard driving licence
  • Current UK provisional photocard driving licence
  • Council Tax bill (valid for the current financial year)
  • HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account/NI contributions bill valid for the current tax year issued by Job Centre Plus) dated within the last 3 months. We can’t accept P45 or P60 forms.
  • Notification letter from Benefits Agency/Local Authority confirming your right to benefits (Department for Works and Pensions, Jobcentre Plus, Benefits Agency or Veterans Agency), dated within the last 12 months
  • Current Tenancy Agreement, from a local council or a recognised letting agency
  • Bank, Building Society, Credit Union statement, dated within the last 3 months
  • Credit card statement, dated within the last 3 months
  • Mortgage statement from a recognised lender, dated within the last 12 months
  • Life assurance/life insurance policy, dated within the last 3 months but outside of cancellation period
  • Motor insurance certificate, valid for the current year but outside of cancellation period – we can’t accept cover notes
  • Utility bill - gas, electricity or water, dated within the last 3 months
  • Telephone bill, dated within the last 3 months. We can’t accept mobile phone bills, Sky or cable TV bills
  •  

 

Fees and charges

Fees and charges

Monthly account fee Annual turnover / balance sheet value Transaction fees Up to £10,000 monthly cash withdrawal/deposit fees
Zero Up to £2 million (from 13 July 2022, the limit will be reduced to £250,000) First 200 free (then £0.20 each, from 1 July 2022 the charge per transaction will increase to £0.30) Free (then 0.70% per £100)

Using your debit card abroad

We don’t charge fees for non-sterling transactions or purchases in many European countries. If you’re outside of Europe, our rates offer the best value possible. Account fees and charges will still apply, though.

Location Card Purchase Cash Withdrawal
In Europe* FREE FREE
Outside Europe* 2.99% 2.99% + £1.50

*Where can I use my card for free in Europe?

Show which countries you can use your card in for free Hide which countries you can use your card in for free

When we refer to Europe, we mean the countries which are part of the Single European Payments Area (SEPA).

  • 19 EU Euro countries - Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
  • 8 EU non-Euro countries - Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden
  • 3 non-EU, Euro countries – Andorra, Monaco, San Marino
  • 4 non-EU, non-Euro countries - Iceland, Liechtenstein, Norway, Switzerland

All territories are included by their associated owning country.

If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s taken out of your account. The exchange rate is set by MasterCard®.

MasterCard® is a registered trademark of MasterCard International Incorporated. 


Fees and charges

There’s no monthly charge for this account.

We will charge for some transactions and services such as international payments, CHAPS payments and an Auditor's Certificate of Balance. You can find all the details of our transaction and service charges in the downloadable PDF below.


If you don’t have enough in your account

If your account balance and agreed overdraft aren’t enough to cover a payment, we may give you an unarranged overdraft. Unarranged overdrafts have a typical interest rate of 25% EAR (variable). 

EAR stands for equivalent annual rate. It shows the rate you’d pay if you remained overdrawn for a year. It takes into account the interest rate you’re charged when you go overdrawn, how often it’s charged and the effect of compounding – charging interest on interest – on your debt.

‘Variable’ means we may change these rates and charges from time to time, or introduce new charges. If this means you’ll pay more, we’ll let you know beforehand.

Interest will be calculated daily on your account and applied monthly. The amount of interest payable and when it will be charged will be shown on your monthly statement.

Get all the details on our Community Account

Download our PDF to read when you like - it contains all the ins and outs of our Community Current Account.

Community Current Account Details (PDF) (295KB)

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

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Current Account Switch Guarantee

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

FAQs

Do all trustees have to be available together to open the account?

No – each trustee can go into a different store and be identified for the account individually. Each signatory on the account must be listed in your organisation’s Minutes of the Meeting.

How long does it take for a cheque to clear?

Cheques normally take five working days to process. If you’d like to know how quickly your cheque will clear, see our cheque clearance guide.

If the bank that issued the cheque uses extra security measures, it will take a little longer. International cheques can take 6-8 weeks to clear.

How do I apply for an overdraft?

You can apply for an overdraft on this account. Please speak to your Relationship Manager to apply. Overdrafts are subject to status checks and approval. 

Find out more about business overdrafts

Can I make and receive international payments from my Community Current Account?

Yes. There’s a £25 charge to make an international payment.

Can I use internet banking with my Community Current Account?

Yes, you can use Business Online Banking to make payments and manage your account.

Find out more about Business Internet Banking

Your ways to bank

Online

Metro Bank 24/7. Check balances, make payments, change your details and open new accounts any time - all with Online Banking.

In-store

A friendly face and a quick answer - and all the usual payment services too. 

By phone

Talk to a real person in our UK contact centre. We’ve temporarily changed our opening hours – click the button below to check when we're available.

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Community involvement

Every one of our stores is strongly rooted in the community it serves and we’re proud to work closely with local people and businesses.