Compare our Business and Commercial Online Banking options
Manage your business accounts online 24/7
Our Business Online Banking is here to take the stress out of managing your accounts, so you have more time to get on with the things that make a difference. With our easy-to-use platforms, you can view your statements, make payments and keep track of your account activity from anywhere, any time.
Ways to bank with us
Our Online Banking options give you the flexibility to choose the right one for your business.
Compare our online banking options:
|
|
Business Online Banking and the App |
Business Online Plus |
Commercial Online Banking |
|---|---|---|---|
| Type of business | Small businesses | Those needing more flexible ways to pay | Larger, more complex businesses |
| Monthly cost | Free | £5 per user |
£20 for one account, £10 for each extra account, £25 one-off set-up fee per user |
Payments |
|||
| Maximum daily payment limit | £21,000 | £50,000 | £50,000 + higher limits available* |
| Account to account transfers | Yes | Yes | Yes |
| Faster payments** | Yes | Yes | Yes |
| CHAPS | No | Yes | Yes |
| International payments | Yes, in the App | Yes | Yes |
| Bacs (subject to credit approval) | No | Yes* | Yes* |
| Make multiple transactions with one file upload | No | Yes | Yes |
| Organise beneficiaries into groups to make multiple payments | No | Yes | Yes |
| Make multiple payments shown as one debit for payroll purposes | No | No | Yes* |
Account access and features |
|||
| Access all your businesses accounts | Yes | Yes | Yes |
| Number of users to approve payments | 1 | 1 or 2 | 1, 2 or 3 |
| Flexible account access options for each user# | No | Yes | Yes |
| Enhanced audit search features | No | Yes | Yes |
| Security for log-in and transactions | One-time passcode (OTP) | Authenticator App (free) or Security Device (first device per user free, additional devices £10 each) | Authenticator App (free) or Security Device (first device per user free, additional devices £10 each) |
* Speak to your Relationship Manager ** Up to £250,000 per transaction
# Access options to set up users for view only, admin, input and verify. Verify access only available with Commercial Online Banking
You'll need a Business Current Account to access our business online banking. Business Online Plus is only available to customers with a Business Bank Account.
Please note this table outlines the costs incurred for the online banking platforms only, there may be additional costs based on the Terms & Conditions of your Business Current Account(s).
Business Online Banking
Business Online Banking
All the essentials you get with personal banking, perfect for small businesses and start-ups
Make one-off or regular UK payments, track what's going in and out of your account, view important documents and manage your cards. Business Online Banking is free and simple to use. It can also be easily accessed on our Metro Bank app.
You can use Business Online Banking with any of our business current accounts. For more information, see our Business Online Banking Important Information Summary and Business Online Banking Terms & Conditions.
Business Online Plus
Business Online Plus
More convenient and flexible ways to pay
Business Online Plus is a cost-effective option if you need to make large CHAPS, BACS or international payments, but you only need account access for a few people.
You can access competitive, real-time FX rates for international payments and transfers, in up to 16 currencies. This means that you can be confident that your conversion rate is fair and reflects live market conditions.
You can even lock in a guaranteed exchange rate up to 2 days in advance of your transaction, giving you more control over when payments are received by your customers.
Enhanced transaction searches let you audit reports to manage your finances more easily.
Make payments up to £50,000, with dual authorisation if you need it. We'll set up the user types on your account automatically for you in store, and you can customise these if you want – for example, setting the maximum payment a user can make.
You’ll need a Business Bank Account to use Business Online Plus. For more information see our Business Online Plus Important Information Summary and Business Online Plus Terms and Conditions.
If you started using Business Online Plus before 9 January 2014, our Important Information Summary October 2013 - 9 January 2014 and Terms and Conditions October 2013 - 9 January 2014 are the documents you need.
Commercial Online Banking
Commercial Online Banking
Made for large, established businesses with big finance teams
Create different levels of access for multiple user accounts, with permissions to view, input, verify, authorise and administer payments. Enhanced audit and search features mean you can track and manage your cash flow, finances and bottom line.
You can access competitive, real-time FX rates for international payments and transfers, in up to 16 currencies. This means that you can be confident that your conversion rate is fair and reflects live market conditions.
You can even lock in a guaranteed exchange rate up to 2 days in advance of your transaction, giving you more control over when payments are received by your customers.
Commercial Online Banking is only available to business customers who hold a Business Current Account with us. For more information, see our Commercial Online Banking Important Information Summary and Commercial Online Banking Terms and Conditions.
Need help? Give our Commercial Support team a call on 0203 402 8316 between 9am and 5.30pm Monday to Friday, or email commercial.support@metrobank.plc.uk.
Useful guides
Useful guides
Our guides will help you make the most of your Business Online Plus and Commercial Online Banking. You can view them here and download them to keep.
Administration, Preferences and Audit Reporting (PDF)(1.6MB)
Login, Balance and Transaction Reporting (PDF)(3.7MB)
Exporting Transaction Data (PDF)(1.9MB)
Making Individual Transfers and Payments (PDF)(253KB)
Bulk and Batch Payments (PDF)(1.8MB)
Best browsers
Best browsers
For Business Online Banking, you need to use:
- Mozilla Firefox 89.0 or above
- Safari 13.0 or above
- Google Chrome 89.0 or above
- Microsoft Edge 91.0 or above
For Business Online Plus or Commercial Online Banking, you need to use:
- Mozilla Firefox 76.0 or above
- Microsoft Edge 82.0 or above
- Microsoft Internet Explorer 11.0 or above
- Google Chrome 81.0 or above
- Apple Safari 12.0 or above
Frequently asked questions
I’ve forgotten my login details – what should I do?
If you’ve forgotten your customer number or username, call us on 0345 08 08 508 or visit a store
If you know your customer number or username but have forgotten either your security number or your password, you can retrieve it via the self-service portal.
If you’ve forgotten both your security number and your password, call us on 0345 08 08 508 or visit a store.
I’ve changed my mobile number – how can I get text passcodes to set up a new payee on Business Online Banking?
If you get a new mobile number, you need to let us know. Call us or visit a store.
Once we know your new number we’ll send passcodes to you as usual.
What are the cut-off times for Bacs, CHAPS and International Payments when I’m using Online Banking?
For CHAPS the cut-off time is 5pm and any payments must be authorised before this.
For Bacs the cut-off time is 7pm – with payments being subject to an additional funds check after cut-off.
For International Payments the time varies according to the currency.
Get full details of Payment cut off times (pdf).
Ways to bank
Banking with our app
No store? No problem. Manage your accounts wherever you are with our Metro Bank app. Check balances, move money and more. Get our app and get started.
Store locator
Find a store
We've got stores all over greater London and beyond. Find out where they are and the nearest one to you with our easy-to-use store locator.