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1 Personal Banking metrobankonline.co.uk

2 time for a new bank Open 7 days, early & late Instant account opening* cards and cheque books printed in store Dedicated switching team Free coin counting Online banking Local call centre real people with real answers Safe deposit boxes 7 day access * Account opening conditions apply.

3 Welcome to a new way of banking join the revolution At Metro Bank we design our Personal Banking products and services with you in mind. From instant printing of your Debit and Credit cards when you open an account to Safe Deposit Boxes in every Store to help you safeguard your valuables, our commitment to you is unparalleled service and convenience. Banking...1 Saving...3 Credit cards...5 Unsecured personal loan...5 Buying a property...5 Safe deposit boxes...6 Service and convenience...7 Opening an account...9 Managing your account Romford

4 love your bank at last Current Account The Metro Bank Current Account is a straightforward bank account. There is no monthly fee, no minimum balance and no transaction charges for use in Europe*. Mastercard Paypass contactless enabled debit card** In-store, telephone and online banking Instant debit card and chequebook printed in Store Direct debits, standing orders and direct payments Overdrafts available subject to eligibility * For a list of countries where free transactions are available, please refer to Current Account Important Information Summary. ** MasterCard is a registered trade mark of MasterCard International Incorporated. 1

5 Switching your account to Metro Bank In just 7 days (excludes weekends and bank holidays), we ll catch any payments made to your old account for 13 months and we ll even match your existing overdraft.* This free service is protected by the Current Account Switch Guarantee - please ask for details. Overdraft An overdraft on your current account can be a useful way to manage your money and provide peace of mind. Please ask a member of the Metro Bank Team in Store or our Contact Centre on if you would like to apply for an overdraft.* Sweep Sweep is a handy way to move excess money in your Current Account into a Metro Bank Instant Access Savings Account to help you reach your savings goals quicker. A sweep once a month is free with weekly and daily sweeps** costing extra. Ask a member of the Metro Bank Team in Store for details. Cash Account The Metro Bank Cash Account is our basic bank account and does not offer an overdraft facility, direct debits, standing orders or direct payments. Available to Customers aged 11 and over No monthly service charge No minimum balance * Terms and conditions apply, subject to status and approval. ** Sweeps can take place on a Monday, Tuesday, Wednesday, Thursday and Sunday. 2

6 saving made easy Our easy range of savings accounts will help you make your money work harder. Instant Access Savings Account Our Instant Access Savings Account provides easy access to your money whenever you need it in Store, online and by phone. You will start earning interest on balances over 100 with interest paid monthly. Available for Customers aged 16 and over. Fixed Term Savings Accounts Whether you are saving for something special or want to make sure you are getting the most out of your savings, you can enjoy the security of a guaranteed rate with our Fixed Term Savings Accounts. Choose the term that suits you from: 3 months, 6 months, 1 year, 18 months, 3 years. Fixed rates of interest Interest paid monthly or annually One lump sum deposit per account Minimum deposit of 500 Annual statements 3

7 Individual Savings Accounts (ISAs) Individual Savings Accounts offer a tax efficient way to save. We offer Instant Access ISA and Fixed Rate Cash ISAs. Instant Access Cash ISA A tax-efficient way of saving with the comfort of having instant access to your money when you need it. Fixed Rate Cash ISAs Enjoy the benefits of tax free interest with a great rate guaranteed for the term of the Fixed Rate ISA. Choose between a 1 year or 2 year term Young Savers Account Young Savers accounts can be opened for children of any age by a parent, grandparent or guardian. UK residents aged can apply for a Young Savers Account in their own name (If aged under 16 they may need help from a parent) Start saving from as little as 1 in lump sums or regular payments Interest paid monthly Monthly statements Young savers aged 15 or under can take advantage of our 5 for 5 Club. This club introduces the banking process and encourages our younger Customers to save on a monthly basis with the help of our fun, interactive Magic Money Machines. Ask a member of the Metro Bank Team in store for details. 4

8 Credit cards Free transactions in Europe* Contactless cards for ease of use No annual fee Text and alerts to help you know when you are approaching your credit limit Accepted wherever you see the MasterCard logo * For a list of countries eligible for free transactions, please refer to Credit Card Important Information Summary. Unsecured personal loans One simple low rate for all Customers and all loan sizes Variety of terms available Fixed monthly repayments Available to Customers aged 18 and over Our unsecured personal loan Customers are required to pay their loan from a Metro Bank Current Account Buying a property Residential mortgages Individual case underwriting so we can take account of your personal circumstances Personal service one single point of contact through your mortgage process Re-mortgage solutions available free legal and valuation fees (up to a maximum property value of 1 million) Buy-to-let mortgages Our buy-to-let mortgages are available for loan sizes up to 1.5m and for Customers with a maximum of 6 properties. 5

9 Safe Deposit Boxes 7 day vault Access your box 7 days a week, 362 days a year Available in five sizes to suit your needs Unlimited access during store hours All boxes stored within a secure vault Room available in store to view contents in a private and secure environment Two copies of a unique key provided for each individual safe deposit box Available to Metro Bank Current Account, Metro Bank Cash Account and Metro Bank Business Account Customers aged 18 or over MORE Get More from Metro Bank Great discounts and freebies from shops, businesses and restaurants in your local area. Visit: metrobankonline.co.uk/more. 6

10 service and convenience Coin counting Our Magic Money Machines have an interactive game for both adults and children that lets you count your coins for free. Coin counting machines in each of our Stores Guess within 1 and receive a prize for adults. All children under 12 receive a prize. Prizes change every month Travel money Customers can order any amount of money in the top 20 world currencies and pick up at any Metro Bank Store 24 hours later Some currencies such as US Dollars and Euros are available on demand in Store Account holders can exchange any amount of foreign currency into Sterling in Store For your convenience Open early and late 7 days a week, 362 days a year Monday Friday Saturday Sunday 8am 8pm 8am 6pm 11am 5pm Toilets and Baby Changing Facilities Available Free lollipops and dog biscuits Proud Winner of Special Innovation Award as voted for by Mumsnetters for being a family-friendly company and providing baby changing stations in all stores. 7

11 8

12 opening an account Pop into your local store to see how different we really are. We like to keep things simple, convenient and really secure, so we will open your account while you wait, checking your identity and address electronically. Depending on your age and circumstances, please bring with you: Valid ID Your National Insurance number if you are opening a Cash ISA It would be great to have two types of address verification handy, just in case our electronic searches can t find your address Everyone s different, so please check what documents we can accept in your personal circumstances: Visit metrobankonline.co.uk and click How to open an account Ask for our What you need to open an account with us factsheet 9

13 10 Reading

14 managing your account Stores All of our Stores are open early and late 7 days a week, 362 days a year. Monday Friday Saturday Sunday 8am 8pm 8am 6pm 11am 5pm Telephone Banking Our UK Contact Centre is available 24 hours a day, 7 days a week, 365 days a year. Real people with real answers Call in the UK Call outside the UK Plus call our Automated Telephone Banking line to get instant account information and to transfer funds between your Metro Bank Accounts. Automated Telephone Banking dial Online Banking Our Online Banking service is simple and straightforward and helps you take control of your finances. Visit metrobankonline.co.uk Instant account information Pay bills Transfer funds Review account history and statements 11

15 Surprise & Delight Every Customer Deliver Unlimited Convenience 7 Day Branch Banking Online Banking No Stupid Bank Rules Satisfaction Guaranteed

16 open Early open Late Monday - Friday 8am - 8pm Saturday 8am - 6pm Sunday 11am - 5pm Speak to a Local Person 24/ Automated Telephone Banking metrobankonline.co.uk Metro_Bank All products are subject to status and approval. Metro Bank PLC is registered in England and Wales, company number: Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For consumer credit products we re licensed and regulated by the Office of Fair Trading. 839 M18 (10/13)

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