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Access your savings, any time

Instant Access Savings

For a flexible savings option choose our Instant Access Savings account. Save what you want, when you want and get instant access to your cash if you need to.

Make your money grow

Build your savings with 0.10% AER* interest. Start earning interest on as little as £1.

Easy access to your money

Need to dip into your savings? No problem. You’ll have instant access to your money – in store, online and by phone.

Save the way you want to

Grow your savings, your way. Put away a lump sum or save regularly – it’s up to you.

See all the ways you can save

See how much you could save with an Instant Access Savings Account when you try our new Savings Calculator tool.

Apply for an Instant Access Savings Account

Come and see us in store

The Nuts and Bolts

We’re up front with our customers about everything. We’ve created this handy summary of our Instant Access Account's key features so you can see the important information from the get-go.

Interest rate Save from Interest paid
0.10% AER*  £1  Monthly

*AER stands for annual equivalent rate. It shows how much the interest rate would be if the interest was worked out once a year. You can use it to compare different financial products.


To open an account you need to be:

  • Aged 16 or over
  • Resident in the UK. You’ll also need to provide proof of your identity and address. If you’re a non-UK, EU, EEA or Swiss national you’ll need a valid visa/residence permit.
  • Important: for Power of Attorney applications please speak to a colleague for guidance on what we will require.

Our savings promise

We promise to give you our best available rate – always. If we launch a new account with the same features but a better rate, we’ll automatically upgrade you to it.

Your savings and tax

Since 6 April 2016, you can earn up to £1,000 a year on your savings tax-free if you pay the basic rate of tax and up to £500 a year if you pay the higher rate of tax. This is called your Personal Savings Allowance. Interest on your savings is now paid without tax being taken off. The interest from ISAs doesn’t count towards your Personal Savings Allowance.

Charges for banking services

We’ll charge you for issuing a banker’s cheque. Each cheque costs £15.

Get all the details to read at your leisure

Download our PDF to read when you like - it contains all the ins and outs of our Instant Access Savings.

Instant Access Savings Account Details (PDF)(747KB)

Our Service Relationship with Personal Customers (PDF)(1.2MB)


  • How do I open an Instant Access Savings Account?

    Just pop into a store or apply online.

    What you need to bring with you if you come into store.

    If you're an existing customer you can open an account by logging in to internet banking or by calling us on 0345 08 08 500.

  • How do I transfer money from another account into my Instant Access Savings Account?

    You can transfer money from existing Metro Bank accounts online, in store or by calling us on 0345 08 08 500. If you’re transferring money from another bank or building society, you’ll need to give them your new Metro Bank details. 

  • Where can I find the rate for my Metro Bank account that’s now closed to new savers?

    You can find the rates for any account that is not listed on the current rates page set out in Rates for Closed Products.

Your ways to bank


Metro Bank 24/7. Check balances, make payments, see transactions and open new accounts any time - all with internet banking.


Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.


A friendly face and a quick answer. And all the usual payment services too. We're open 362 days a year

By phone

Talk to a real person in our always-open UK contact centre, 24 hours a day, 7 days a week, 365 days a year.

Some things you may like...

Switching to us

7-day Switch Guarantee

Switching your current account to Metro Bank is simple and hassle-free. And we guarantee to have it all done and dusted for you in 7 days.

Banking with us

What I need to open an account

With our same-day account opening, you can apply in store and we'll print your card there and then. Having the right documents will help make the process go smoothly.

Safe deposit boxes

A safer spot

Never mind under a mattress or in a sock drawer – your valuables need proper security. We have 5 sizes of Safe Deposit Boxes available.


Protecting your money

Your eligible deposits with Metro Bank are protected by the FSCS.