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Credit card

We've withdrawn Personal Credit Cards from our product range

After a review of our Personal Credit Card, we made the decision to withdraw this product from our range. Please see information below on how this may affect you and your account.


New Customers
We’re no longer accepting new applications for this product.

Existing Customers
In line with our Terms and Conditions, on 10 September 2024 we removed the facility for you to make any further purchases or withdraw cash using your Personal Credit Card. The information below still applies to all our Personal Credit Card holders who have an outstanding balance on their accounts and you can find our Terms and Conditions at the bottom of this page.

Important change if you pay by Direct Debit. The reference number used when you make Direct Debit payments is changing. The Direct Debit reference number currently used is your 16-digit Credit Card number. From 4 March 2025 this will change to your Account ID number + III + the last 4 digits of your Credit Card number e.g.12345678912+III+1234. You can find your Account ID and your Credit Card number on your monthly Credit Card statements. This change will happen automatically, you don’t need to take any action, and your Direct Debits will continue to be taken on your agreed payment date. This change won’t affect you if you don’t pay by Direct Debit.

For more information, please see our Credit Card Questions and Answers and if you have any questions, please contact us on 0345 0808 500 or speak to one of our colleagues in any of our stores. Metro Bank won't charge you for your call however, you may be charged by your service provider.

Representative example: Representative 18.9% APR (variable) interest rate: 18.9% pa (variable). Based on an assumed credit limit of £1,200 with no annual fee. Lending is subject to status and affordability, T&Cs apply.

The nuts and bolts

We’re up front with our customers about everything and you’ll find the key information you need below.

Rate Monthly fees Interest-free period Credit limits from
Representative 18.9% APR (variable) Zero Up to 56 days £500

APR stands for annual percentage rate. It’s intended to give you a more accurate idea of how much you are being charged when you borrow money. It takes into account the interest on the loan and other charges you have to pay, for example any arrangement fee.


Get all the details to read at your leisure

Download our PDFs to read when you like - they contain all the ins and outs of our Credit Card.

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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/

FAQs

How do I pay money into my account?

There are a few different ways you can pay money into your Metro Bank account, the fastest being a payment from one bank to another. You can also deposit a cheque or pay cash* into your account at your nearest store.

*Please note that you may be asked additional questions about the source of funds to help keep your money safe.

We’ve introduced limits on the amount of cash customers can pay into their Metro Bank account each day.

  • Personal accounts – new daily limit £5,000*
  • Business accounts (including community accounts) – new daily limit £10,000*

    *If you are depositing foreign currency into a ‘regular’ GBP or a Foreign Currency Account, this will be the GBP equivalent of the above limits using the exchange rate on the day of the deposit

The new cash deposit limit for Commercial Current Accounts won’t be introduced until early 2023. If you have this type of account, your Relationship Manager will be in touch nearer the time to discuss the new limit with you.

Changes to who can pay in cash

To pay cash into a Metro Bank account you must either:

  • be named on the account, or
  • have authority to manage the account – e.g. power of attorney, or
  • be paying less than £250 into a Young Savers account if you are not named on the account (the account holder or a named person on the account can pay in larger amounts), or
  • an employee paying into a business or commercial account for your employer, using a pre-printed paying-in slip issued to the account holder.

Exchanging cash

You can only exchange cash over the counter if you’re a Metro Bank customer.

Are there any fees?

There’s no annual fee, just one simple low rate of 18.9% Representative APR (Variable).

There are charges for using your card outside Europe.

Read more about using your card abroad