Metro Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Metro Bank runs a debit card with a £0 monthly fee alongside a credit card, which suits people who want spending and borrowing from the same bank without paying to hold the account. Currency conversion runs 0% to 2.99%, so travellers spending abroad often pay more here than with a travel-first account.
Key facts
- Best for
- A debit card with a £0 monthly fee, plus a credit card from the same bank.
- Monthly fee
- £0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% to 2.99% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- metrobankonline.co.uk
Credit cards
Pros and cons
Pros
- Monthly fee of £0 on the debit card, and it ranks 1 of 419 brands compared on that fee.
- Two products from the same bank: a debit card for everyday spending and a credit card for borrowing.
- The debit card runs on the mastercard network, and travel is the feature listed for it.
Cons
- The top of the 0% to 2.99% conversion range is above 0% for travel cards and above 1% across all cards on DebitCue.
- The credit card pays nothing back, since its rewards type is none.
- Cost scores 6 and the overall score is 6, so the free monthly fee is not matched by a strong cost rating.
Who it suits
- People who want a debit card with a £0 monthly fee and no holding cost.
- Borrowers who want a credit card from the same bank that handles their day-to-day spending.
- Occasional travellers who can budget for conversion fees of 0% to 2.99%.
Who should look elsewhere
- Wise, if foreign spending comes first: its conversion fee is 0.1% against 0% to 2.99% on the Metro Bank debit card.
- Varo Believe Secured Credit Card, if the aim is building credit on a secured card at a $0 monthly fee rather than holding a debit card for daily spending.
- Chime Card (Secured Visa Credit Card), for a secured credit card at a $0 monthly fee where the Metro Bank offer is a debit card plus a credit card.
How Metro Bank compares
Frequently asked questions
What does it cost to hold the Metro Bank debit card?+
The debit card carries a monthly fee of £0, so nothing has to be paid to keep the account open, and that is the same level as €0 for the site as a whole. DebitCue ranks it 1 of 419 brands compared on this fee.
What does it charge for currency conversion?+
Conversion on the debit card runs 0% to 2.99%. That is above 1% across all cards on DebitCue and above 0% for travel cards, so heavy foreign spending adds up quickly. The listed feature points to travel use rather than a fee-free travel card.
Is this a debit or credit card?+
Metro Bank offers both. The everyday account runs on a debit card, so spending comes from the money in the account, and the bank also issues a credit card for borrowing. Debit cards make up 74.3% of the cards on DebitCue, with prepaid and virtual cards making up the rest.
Does the card earn anything for spending?+
No rewards. The listed rewards type is none, and 28.7% of cards on DebitCue sit in that same no-rewards group. Cashback is the most common rewards setup on the site at 49.5%, so anyone who wants something back from spending should look elsewhere.
Which card network does Metro Bank use?+
The debit card runs on the mastercard network, and travel is the listed feature for it. Across DebitCue, 58.6% of cards sit on Visa and 38.5% on Mastercard, so the network is one of the least distinguishing choices on the market.
Is Metro Bank good for travel spending?+
Partly. travel is the only feature listed for the card, but conversion fees run 0% to 2.99% against 0% for travel cards on DebitCue. The £0 monthly fee keeps the account free to hold, so the card is workable for a holiday, yet it is not the cheapest way to spend in several currencies.
How does it rate for cost?+
DebitCue puts the cost score at 6 and the overall score at 6. The £0 monthly fee is the strongest part, while 0% to 2.99% on currency conversion and a rewards type of none pull the figure back.
Sources
- advratings.com/uk/metro-bank-current-account checked September 26, 2026
Backs: Card type, Currency conversion fee, Monthly fee, Card network
“Mastercard contactless debit card - Current Account”
- metrobankonline.co.uk/borrowing/products/credit-card checked September 26, 2026
Backs: Card kind, Rewards type
“Credit Card | Withdrawn from Sale”
- moneysavingexpert.com/news/2018/01/metro-bank-now-offers-... checked September 26, 2026
Backs: Features
“no non-sterling transaction fees or cash withdrawal fees when you use your card in Europe - Current Account”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Metro Bank
A debit card with a £0 monthly fee, plus a credit card from the same bank.