join the revolution Milton Keynes - Oakgrove
welcome to a new way of banking Metro Bank is the Revolution in British Banking. Britain s first new high street bank in over 100 years offers banking focused on personal and business customers. Metro Bank provides customers with unparalleled levels of service and convenience. Our customers are empowered to bank whenever and however they choose, in our convenient stores 7 days a week, by internet, mobile or by telephone 24/7. Craig Donaldson, CEO Vernon W. Hill II, Chairman & Founder 01
if we are not in your area... we will be soon! Open 7 Days Coming Soon Aylesbury Milton Keynes Centre:MK Milton Keynes Oakgrove Hemel Hempstead St. Albans Cambridge Chelmsford Oxford Borehamwood High Wycombe Harrow Edgware Wood Green Uxbridge Kensington High Street Tottenham Court Road Romford Basildon Reading Windsor Newbury Slough Staines Southall Hounslow Ealing Kingston Chiswick Fulham Broadway Wimbledon Holborn Earl s Court Colliers Wood Cheapside Clapham Junction Bromley Bexleyheath Southend Sutton Croydon Orpington Epsom Maidstone Guildford Brighton Tunbridge Wells 02
your local bank We are your community bank and we love to support local causes and groups. Last year we held over 2,000 community and in-store events like local fairs, parades, school events, free pumpkin decorating at Halloween, free craft events at Easter and Christmas and Diwali festivities to name a few.easter Craft Day Free Pumpkin Decorating GOLD WINNER 2012 GOLD WINNER 2013 Proud winner of Mumsnet Gold Award for being family and colleague friendly 3 years running. 03
We value our younger customers and believe that banking should be fun. Win prizes using our Magic Money Machine, enjoy free lollipops, save your coins in our M-Banks and much more... there are so many reasons to visit! We invite kids to join a great club, the Magic Money 5 for 5 Club. The club introduces them to the banking process and encourages them to save money on a monthly basis with the help of our fun, interactive Magic Money Machines. The Metro Bank Money Zone programme works with schools in the community to give children an understanding of the basic principles of money, saving and banking in an engaging and fun way. The programme meets the requirements of the national curriculum for mathematics, and aims to help them become more financially confident. Last year over 14,000 children went through our programme. 04
We understand how important man s best friend is so we actively welcome dogs into our stores. We have a selection of dog goodies when you visit, including fresh water bowls and dog treats. Throughout the year we hold adopt-a-thons and free microchipping events at many of our stores to support Battersea Dogs & Cats Home. We ll pay the rehoming fees for our customers when they adopt a dog or cat.* * One redemption per customer. A maximum of 65 will be deposited for a cat and a maximum of 105 will be deposited for a dog. Refunds will be made for receipts dated from 23 April 2012. SPECIAL RECOGNITION AWARD Official Winner of the 2011, 2012, 2013 & 2014 Kennel Club s Be Dog Friendly Awards @SirDuffield 05
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personal banking 07
Current Account The Metro Bank Current Account is a straightforward bank account. There is no monthly fee, no minimum balance and no transaction charges when used in Europe.* We print your debit card in-store and you choose your PIN number We print your cheque book in-store We set up your internet, mobile and telephone banking at the same time as opening your account Direct debits, standing orders and direct payments are available 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 36 months and we ll even match your existing overdraft.** This free service is protected by the Current Account Switch Guarantee - ask for details. * For a list of countries where free transactions are available, please refer to Current Account Important Information Summary. ** Terms and conditions apply, subject to status and approval. Overdraft (subject to availability)** An overdraft on your current account can be a useful way to manage your money and provide peace of mind. If you would like to apply for an overdraft speak to a Metro Bank team member in-store, at our contact centre or apply online. 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 or minimum balance personal banking 08
savings accounts Our easy range of savings accounts will help you make your money work harder. Instant Access Savings 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 Rate Savings 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. A range of terms available Fixed rates of interest Interest paid monthly or annually One lump sum deposit per account Minimum deposit of 500 Annual statements Individual Savings Accounts (ISAs) Individual Savings Accounts offer a tax efficient way to save. We offer Instant Access ISA and Fixed Rate Cash ISAs with a range of terms available. Young Savers Account Young Savers Accounts can be opened for children up to the age of 10 by a parent, grandparent or guardian UK residents aged 11-21 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 our savings promise Unlike other banks, we promise to provide you with our best available rate, always. Instant Access Savings If we launch a new account with the same features but a better rate we ll automatically move you onto it. Fixed Rate Savings At the end of the term we ll always offer you the best rate available. 08 09
credit cards Printed in store and you choose your own PIN number Free transactions in Europe* One simple rate for both purchases and cash withdrawals Contactless cards for ease of use No annual fee Text and email alerts to help you know when you are approaching your credit limit Accepted wherever you see the MasterCard logo** unsecured personal loans Whether buying a new car, making home improvements or consolidating debt, we offer one simple low rate for all customers and all loan sizes. Receive your money on the same day Variety of terms available Fixed monthly repayments Available to customers aged 18 and over 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 1.5 million and for customers with a maximum of 6 properties. * For a list of countries eligible for free transactions, please refer to Credit Card Important Information Summary. ** MasterCard is a registered trade mark of MasterCard International Incorporated. 10
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service and convenience Safe Deposit Boxes 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 Free Coin Counting Whilst other companies charge up to 10%, our Magic Money Machines let you count your coins for free and features an interactive game that awards prizes for guessing the amount. Last year the machines were used more than 180,000 times to count a total of 15.1 million. Travel Money Customers can order any amount of money in the top 20 world currencies and pick it up at any Metro Bank store 24 hours later. Reserve your Safe Deposit Box online for any of our stores: metrobankonline.co.uk/box 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 12
opening an account Pop into your local store and join the revolution there s no appointment necessary. We offer unparalleled levels of service and convenience and will open your account on the spot. Please bring with you: Valid photo ID Your National Insurance number if you are opening a Cash ISA Two types of address verification would be handy, just in case our electronic searches can t find your address Everyone s different, so 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 managing your account In-store Stores are open 7 days a week, 362 days a year. We are only closed on New Year s Day, Easter Sunday and Christmas Day. Telephone Banking Talk to a real person with real answers in our local UK call centre. It s simple and there are no automated menus to navigate - call 0345 08 08 500, 24/7. Automated Telephone Banking: 0345 08 08 505 Online Banking On the move or sitting on your sofa, our Internet Banking helps you stay in control of your finances. Visit metrobankonline.co.uk Mobile Banking Our Personal Banking App is easy to use allowing you to manage your accounts securely on the go. At Metro Bank you can even temporarily block & unblock your card. 13
fun facts Last year was an amazing year: 15,102,950.02 counted by our Magic Money Machines awards We are proud of the awards that we have won. Here are just a few... 1.168 million Metro Bank pens given out to our FANS 188,724 Magic Money Machine transactions BEST SAVINGS PROVIDER FOR EXISTING CUSTOMERS BEST FOR CUSTOMER SERVICE 1.194 million lollipops eaten by our FANS 148,000 dog treats eaten by our canine customers Over 2,000 community and in-store events 14,000 school children completed the Money Zone programme BEST CURRENT ACCOUNT FOR BRANCH SERVICE TECHNOLOGY INNOVATION ENTERPRISE AWARD BEST OVERALL CURRENT ACCOUNT HIGHLY COMMENDED FOR CALL CENTRE SERVICE 14
business banking 15
the entrepreneur s bank We are your convenient, entrepreneurial and local business bank. Whether you re starting a new business or joining us as a corporate customer, we offer a fresh perspective on business banking. Our experienced local bankers are in every store providing the support you need to help you succeed. business banking From business current accounts, overdrafts, card payment solutions and cash management services to expansion funding and commercial lending, we are here to help you every step of the way. You ll get the direct contact details of your local business manager who has the expertise and quick answers you really need. We take care of your bank account so you can focus on doing what you do best running your business. Bank accounts opened in-store* Stores open 7 days, early & late Debit cards & cheque books printed in-store* Immediate online setup & registration* 24/7 local call centre Dedicated switching team Faster payments, CHAPS & international payments 24/7, 365 days a year* Bulk cash & coin on request* Safe deposit boxes 7 day vault * All Metro Bank products are subject to status and approval. Terms and conditions apply. THIS IS BUSINESS BANKING AS IT SHOULD BE 16
Online & Telephone Banking Access your business & personal accounts with one login for simple & convenient banking Faster payments & CHAPS Email & text alerts Connect your accounting software to your business bank account Business Online Plus* & Commercial Online Banking Additional users Individual limits & permissions Higher value & international payments Bulk upload & batch payments Client Accounts, Savings & Sweeps Fixed term, variable term & instant access Client deposit accounts Daily, weekly or monthly sweeps Flexible Funding Solutions* Overdrafts Business credit cards Business loans Business mortgages Asset finance Invoice finance Flexible & personal underwriting * All funding solutions are subject to status. * All Metro Bank products are subject to status and approval. Terms and conditions apply. Cash, Cards & Direct Debit Collections Cash, coin & cheques in-store 7 days Mobile, face to face & online debit & credit card terminals* Collect by Direct Debit* * Provided by third party companies, please ask for more details. 17
Simple Fees & Charges Keep a minimum balance of 5,000 in your bank account and we ll waive your monthly fee and the first 50 standard transaction charges Monthly and standard transaction fees Cash, coin, CHAPS & international payment charges See our Important Information Summary or ask one of the Metro Bank team for more details. Visit any Store Open 7 days early and late, 362 days a year. Monday Friday Saturday Sunday 8am 8pm 8am 6pm 11am 5pm Call us. Local people, 24/7. 0345 08 08 508 ONE DEDICATED BANKER. ONE SPECIALIST SUPPORT TEAM. ONE REVOLUTIONARY BANK. Slough 15 18
open Early open Late Monday - Friday 8am - 8pm Saturday 8am - 6pm Sunday 11am - 5pm Speak to a Local Person 24/7 0345 08 08 500 Automated Telephone Banking 0345 08 08 505 metrobankonline.co.uk MetroBank_Help in-store mobile online phone Account opening conditions apply. Subject to status and approval. Metro Bank PLC is registered in England and Wales, company number 6419578. Registered office: One Southampton Row, London WC1B 5HA. We re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metrobank is the registered trade mark of Metro Bank PLC. 981 M280 (04/15)