Metro Bank savings: instant access, fixed term and ISAs
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 Instant Access Savings paid 0.90% AER variable and its Fixed Term Savings 3.70% AER for one year or 18 months and 3.75% AER for three years, as of 4 October 2026. Fixed terms need at least £500.
The Instant Access Cash ISA paid 0.90% AER variable and is flexible: you can take money out and put it back in the same tax year.
Who it’s for
- Savers who want to open and manage savings in a store
- People wanting a fixed term with a low £500 minimum
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You want a competitive easy-access rate
Metro Bank savings rates
| Account | Rate | Key terms |
|---|---|---|
| Instant Access Savings | 0.90% AER variable | From £1; age 16+ (18+ online) |
| Instant Access Cash ISA | 0.90% AER variable, tax-free | Flexible ISA; 18+ |
| 1 year / 18 month Fixed Term | 3.70% AER fixed | £500 minimum, £2m maximum |
| 3 year Fixed Term | 3.75% AER fixed | £500 minimum |
| 3 / 6 month Fixed Term | About 2.00% AER | In store or Online Banking only |
Figures as of 4 October 2026, taken from the provider’s own website. Rates and fees can change.
Full explanation
Compare Metro’s rates with the market in our easy-access savings and fixed-rate savings guides.
The catch
Three- and six-month fixed terms are only available in store or via Online Banking and paid about 2.00% AER.
Check Metro Bank’s current savings rates.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
What is the minimum for a Metro Bank fixed term?
£500.
Is the Metro Bank Cash ISA flexible?
Yes. You can withdraw and replace money in the same tax year without using more allowance, within £20,000.
How old do I need to be?
16 for Instant Access Savings (18 to apply online); 18 for the Cash ISA.
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