Metro Bank Business Bank Account: fees and offers
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
Metro Bank’s Business Bank Account has no monthly fee and 30 free UK transactions in any month your balance stays at £6,000 or more every day, as of 4 October 2026. Drop below that on any day and you pay £8 for the month plus 30p per UK transaction.
Switchers get 31 months with no monthly maintenance fees; new-to-bank customers get 12 months fee-free. It’s for businesses with turnover up to £2 million.
Who it’s for
- Businesses that want local business managers and same-day account opening in store
- Businesses that keep £6,000+ in the account
- Switchers who can use the 31-month offer
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- Your balance often dips below £6,000 and you make lots of transactions
- Your turnover is over £2 million — Metro points you to a Commercial Current Account
Business Bank Account fees
| Your daily balance | Monthly fee | UK transactions |
|---|---|---|
| £6,000 or more every day | £0 | 30 free, then 30p each |
| Under £6,000 on any day | £8 | 30p each |
Figures as of 4 October 2026, taken from the provider’s own website. Rates and fees can change.
The catch
The £6,000 test is daily: one day below it means the fee and per-transaction charges apply for the whole month. Offers exclude overdrafts, international payments and CHAPS, and the new-to-bank offer also excludes cash.
Check Metro Bank’s business account terms.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Is the Metro Bank business account free?
Only in months when the balance stays at £6,000 or more every day, unless you’re on a switching or new-to-bank offer.
What is the Metro Bank business switching offer?
31 months of no monthly maintenance fees and no minimum balance requirement. Other charges apply.
How much cash can I pay in?
Up to £10,000 a day in store for business accounts, and £10,000 a day at the Post Office.
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