What is the official website of the payment service?
https://www.metrobankonline.co.uk
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Where can I find the customer support contacts?
Customer support contacts are found under the "Help and Support" section on the official Metro Bank website.
What is the hotline phone number?
The main customer service phone number for personal customers is 0345 08 08 500.
Is there a toll-free support number?
No explicit toll-free number is mentioned; calls to 0345 numbers may incur charges depending on the caller’s provider.
What is the email address for technical support?
No specific technical support email is publicly listed for Metro Bank.
Are there separate emails for different types of inquiries?
No specific separate email addresses for different inquiry types are publicly provided; customer support is primarily handled via telephone and online channels.
Where can I find the online chat support?
Online chat support availability or link is not explicitly stated on the public Metro Bank website.
Does the chat support work 24/7?
No verified information on 24/7 chat support availability is found.
Is there support through messengers (Telegram, WhatsApp)?
Messenger support via Telegram or WhatsApp is not mentioned as an available support channel.
What are the support working hours?
Customer support operates mainly Monday to Friday, 9am to 6pm, with some emergency lines open 24/7.
Does support work on weekends and holidays?
Routine support does not operate on weekends or holidays, but emergency fraud and card blocking support works 24/7.
Are there regional offices for in-person visits?
Yes, Metro Bank has physical store branches in the UK that customers can visit.
Where are the physical offices located?
Physical office locations include branches throughout the UK, with the main registered office at One Southampton Row, Holborn, London WC1B 5HA.
Can I schedule a personal meeting?
Personal meetings can be scheduled by visiting a branch or contacting the bank, though specific scheduling procedures are not detailed.
Are there representatives in different countries?
There is no public information indicating international representative offices outside the UK.
In which languages is support available?
Support is primarily provided in English.
How quickly does support respond to requests?
Response times vary; phone support offers quicker responses during less busy hours, typically between 2pm and 6pm.
Is there a priority system for VIP clients?
There is no verified information about VIP customer support priority systems.
Can I request a callback?
Callback services are not explicitly mentioned.
When was the payment service founded?
Metro Bank was founded in 2010.
Who is the founder and owner of the service?
Metro Bank was founded by Vernon Hill; it is a publicly traded company owned by shareholders.
In which country is the company registered?
The company is registered in the United Kingdom.
What is the development history of the payment service?
Metro Bank launched in 2010 as a new challenger bank focusing on customer service and accessible branch banking, expanding steadily into retail banking and business services.
Have there been major updates or rebranding?
No major rebranding events are publicly recorded; expansion and technological upgrades, such as mobile app updates, have occurred.
Who sits on the company's board of directors?
The board consists of independent non-executive directors and executives including CEO Daniel Frumkin; detailed current members can be found in the company’s annual report.
Are there investors or partners in the service?
Metro Bank has various institutional investors and partners; also has a business partnership with payment networks for card services.
Does the company participate in stock trading?
Yes, Metro Bank Holdings PLC is publicly traded on the London Stock Exchange.
What is the company's market capitalization?
Market capitalization fluctuates; for current figures, check financial market data sources.
Are there subsidiary companies or branches?
Metro Bank operates branches in the UK and may have subsidiary operations for specific services.
What licenses does the payment service have?
Metro Bank is authorized and regulated by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA) in the UK.
In which jurisdictions does the service operate officially?
Metro Bank officially operates in the United Kingdom.
Are there licenses for cryptocurrency operations?
There is no public information indicating licenses for cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, Metro Bank complies with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations as required by UK law.
Are there security certificates (PCI DSS, etc.)?
Metro Bank holds requisite security certifications including PCI DSS for payment card security.
Has the service undergone security audits?
Yes, Metro Bank undergoes regular security audits as part of regulatory compliance.
Is there insurance for client funds?
Yes, customer deposits are protected by the UK Financial Services Compensation Scheme (FSCS).
Which international standards does it comply with?
Metro Bank complies with UK and EU banking regulations and international standards relevant to licensed banks.
Have there been any regulatory fines or violations?
Metro Bank was fined £5,376,000 by the PRA for regulatory reporting failures and received FCA fines related to AML controls.
Where can I find real reviews about the service?
Real user reviews can be found on platforms like Trustpilot, Resolver, and financial service review websites.
What are the main user complaints?
Complaints often involve customer service responsiveness, technical issues with online banking, and account access delays.
What do users most often praise the service for?
Users frequently praise Metro Bank’s customer service quality and accessible branch network.
Are there issues with fund withdrawals?
Some users report occasional withdrawal delays or limitations based on account type and verification status.
Is the interface convenient according to users?
The mobile app and online banking interface are generally rated as user-friendly and convenient.
Are clients satisfied with transaction speed?
Transaction processing speeds, including payments and transfers, are usually rated as satisfactory.
Do users recommend this service?
A moderate portion of users recommend Metro Bank, especially for those valuing branch access.
How do experts assess the service's reliability?
Experts regard Metro Bank as a reliable challenger bank with solid infrastructure and regulatory compliance.
Are there industry awards and recognitions?
Metro Bank has received banking industry recognition for customer service and innovation in branch banking.
Does the service participate in payment system rankings?
Metro Bank participates in UK banking and payment industry rankings.
Are there recommendations from financial regulators?
Regulators oversee Metro Bank’s compliance and have issued enforcement actions to improve controls.
What reputation does the service have among partners?
Partners respect Metro Bank for its service model and compliance, though noting past regulatory issues.
How do they evaluate solution innovation?
Metro Bank is evaluated positively for its approach combining physical branch innovation with digital banking services.
Are there quality service certificates?
The bank holds necessary service quality and security certifications aligned with UK banking regulations.
Does the company participate in industry conferences?
Metro Bank executives participate in financial industry conferences and panels.
How does the service position itself in the market?
Metro Bank positions as a challenger bank focused on customer-centric banking with convenient branch access.
Which fiat currencies does the service support?
Metro Bank supports GBP primarily, and offers payments in EUR and USD through their platform.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrency support is not provided by Metro Bank.
Is there a proprietary cryptocurrency or token?
Metro Bank does not have a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversions are available for EUR, GBP, and USD with exchange rates applied.
What exchange rates are used for conversion?
Exchange rates are based on market rates provided by Metro Bank’s banking partners.
How often are exchange rates updated?
Exchange rates are updated regularly in line with market fluctuations.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic or less common currencies are not supported through Metro Bank’s standard payment services.
Are there currency restrictions in different countries?
Currency support is limited geographically with payment restrictions on some international destinations.
What types of transfers does the service support?
Supported transfer types include Faster Payments, CHAPS, BACS, SEPA, and standing orders.
Can transfers be made between service users?
Yes, peer-to-peer transfers within Metro Bank service users are supported.
Are transfers to bank cards supported?
Transfers to bank cards are not explicitly detailed; transfers are generally to accounts.
Can money be transferred to bank accounts?
Yes, transfers to external UK bank accounts are supported.
Is bill payment available?
Bill payment services are available via online and mobile banking.
Are recurring payments supported?
Recurring payments (standing orders/direct debits) are supported.
Can automatic transfers be set up?
Automatic transfer setups are available through standing orders and direct debit options.
Is payment scheduling available?
Payment scheduling is supported in online and mobile banking platforms.
Are group payments supported?
Group payment features are not specifically detailed in public information.
Can payment links be created?
Payment link creation is not indicated as a supported feature.
What are the minimum transaction amounts in the service?
Minimum transaction amounts vary by transaction type; no specific universal minimum is publicly disclosed.
What are the maximum amounts that can be transferred?
Transfer limits vary by account type and channel; customers must check with bank for specific limits.
Are there daily limits on operations?
Daily transaction limits exist to comply with regulatory and risk management policies.
What monthly and annual limits are in effect?
Monthly and annual transaction limits are set per customer and account type, in accordance with regulatory guidelines.
Can limits be increased? How?
Limits can be increased upon verification and request, subject to bank approval and risk assessment.
Do limits differ for verified users?
Verified users typically enjoy higher transaction limits than unverified or newly registered accounts.
Are there restrictions for new accounts?
New accounts may have lower limits and temporary restrictions during initial verification periods.
Do special limits apply in different countries?
Geographic-specific limits apply depending on the jurisdiction and regulatory environment.
Can operations be temporarily blocked?
Operations can be temporarily blocked for security, compliance, or suspicious activity reasons.
Are there limits on the number of daily operations?
Limits on the number of daily operations may be imposed to manage risk and fraud prevention.
What are the minimum amounts for account funding?
Minimum funding amounts vary by deposit method and account type.
What methods of funding are supported?
Funding methods include bank transfer, debit card payment, and cash deposits at branches or Post Office locations.
Are there fees for funding?
Funding via standard methods is generally free; some deposit types or locations may have fees.
What are the minimum funding amounts?
Minimum funding thresholds depend on method; specifics should be confirmed with Metro Bank.
How quickly are funds credited when funding?
Funds credited via card or transfer are usually available within same or next business day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, branch cash withdrawals, bank transfer, or debit card payments.
Are there fees for fund withdrawal?
Withdrawal fees depend on the method; branch and ATM withdrawals are typically free within limits.
How long does withdrawal take?
Withdrawals through internal transfers are usually instant; external bank transfers take 1-3 business days.
What withdrawal limits are set?
Withdrawal limits vary by account type and method; daily cash withdrawal limits apply.
How quickly are funds credited when funding with a card?
Card-funded deposits generally credit funds same day or within one business day.
How long does a bank transfer take?
UK bank transfers typically complete within the same or next business day; international transfers may take longer.
How quickly do cryptocurrency transfers arrive?
Metro Bank does not support cryptocurrency transfers.
Are transfers between users instant?
Internal transfers between Metro Bank customers are generally instant.
Are there delays when funding on weekends?
Funding on weekends may experience delays until the next business day.
Do holidays affect funding speed?
Bank holidays can delay funding and withdrawal processing times.
Can crediting be accelerated for a fee?
No public information about express funding fees; standard processing applies.
What determines the speed of funding processing?
Processing speed depends on payment type, timing, and banking system schedules.
Are there notifications about funding status?
Customers receive notifications via app or email about funding status and confirmations.
What to do if funding takes too long?
Contact customer support promptly to report delayed funding for investigation.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within the timelines stated, typically same or next business day.
How long does card withdrawal take?
Card withdrawals via ATM are instant; transfers to cards take banking system timing.
How quickly do bank transfers arrive?
Bank transfers generally arrive within 1 business day domestically.
Are cryptocurrency withdrawals instant?
Not applicable; cryptocurrency operations not supported.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends process on next business day.
Do holidays affect withdrawal speed?
Holidays cause processing delays as banks are closed.
Can withdrawal be accelerated for an additional fee?
No public indication of express withdrawal for fees.
What determines withdrawal processing time?
Factors include payment method, bank clearing times, and account status.
Are there notifications about withdrawal status?
Withdrawal status notifications are provided via app or online banking alerts.
Can a withdrawal request be canceled?
Cancellation depends on timing; requests already processed cannot be reversed.
How to register with the payment service?
Registration is completed online or in branch, requiring personal details and identity verifications.
What data is needed to create an account?
Personal identification, address, phone number, email, and proof of identity documents.
Can registration be done without email?
Email is typically required for digital communication and account management.
Is phone confirmation required during registration?
Phone verification is commonly required as part of identity verification.
Are there age restrictions for registration?
Minimum age is 18 years for account holders.
Can a corporate account be created?
Yes, Metro Bank offers business accounts with specific registration requirements.
Is it required to provide real data?
Real and verifiable personal data is mandatory for regulatory compliance.
Are there country restrictions for registration?
Only UK residents or those with UK addresses can open accounts.
How long does account activation take?
Account activation takes a few days depending on verification speed.
What verification levels exist?
Verification includes basic identity check and enhanced due diligence for higher limits.
What documents are required for basic verification?
Valid photo ID, proof of address documents like utility bills or bank statements.
Are documents needed for full verification?
Yes, additional documents may be required for full verification and higher limits.
Are digital copies of documents accepted?
Digital document submission is accepted through online banking or app.
How long does the verification procedure take?
Verification typically completes within 1-3 business days.
Can the service be used without verification?
Limited functions may be accessible, but full services require verification.
What restrictions apply to unverified users?
Unverified users face transaction limits and restricted access.
Is address confirmation required?
Address verification is part of the KYC process and required.
Is a selfie with documents required?
A selfie for identity verification may be required for enhanced verification.
How often do documents need to be updated?
Documents may need updating every few years or upon account changes.
What encryption technologies does the service use?
Uses industry-standard TLS encryption for data transmission.
Is two-factor authentication supported?
Yes, 2FA is supported via SMS or authentication apps.
Are there SMS confirmations for operations?
SMS confirmations are used for security on key transactions.
Is biometric authentication supported?
Biometric login features may be supported in the mobile app.
Is blockchain technology used?
No public indication of blockchain usage in payment processing.
Is there a multi-level security system?
Security includes multiple layers such as encryption, authentication, and monitoring.
How is user personal data protected?
Data protection follows GDPR and UK data protection laws with encryption and access controls.
Is cold storage used for cryptocurrencies?
Not applicable; no cryptocurrency custody services offered.
Is there DDoS attack protection?
Commercial banking infrastructure includes DDoS mitigation systems.
Are regular security audits conducted?
Regular audits are conducted as part of compliance and security assurance.
What anti-phishing protection measures are provided?
Anti-phishing notices, education, and email authentication technologies are used.
Is there a suspicious activity detection system?
Transaction monitoring systems detect suspicious activity.
How does the service combat money laundering?
Implements AML controls including KYC, transaction monitoring, and reporting.
Is there blocking of suspicious accounts?
Accounts can be blocked or restricted if suspicious activity is detected.
What to do when fraud is detected?
Report immediately to customer support for action and investigation.
How to report suspicious activity?
Report via phone, online banking, or branch visit.
Is there compensation for damage from fraudsters?
Protection under FSCS and bank policies apply, but specifics vary case-by-case.
What user rights exist for disputed transactions?
Users can dispute unauthorized transactions per FCA rules.
How to dispute account blocking?
Contact customer support and provide evidence for dispute resolution.
Is there insurance against cyber attacks?
The bank maintains cyber risk insurance as standard.
What fees does the service charge for transfers?
Fees vary by transfer type; relevant fees disclosed in account terms.
Are there fees for account funding?
Funding is generally free via standard methods.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method and account type.
Are there fees for currency conversion?
Currency conversion fees apply depending on currency and transaction.
Are there fees for account inactivity?
Inactivity fees are not commonly charged but check specific account terms.
Are there account maintenance fees?
Some accounts may carry maintenance fees, as per account terms.
Are fees charged for operation cancellation?
Transaction cancellation fees are generally not charged but subject to terms.
Are there fees for expedited operations?
Expedited service fees are not publicly detailed.
Are there hidden fees?
Metro Bank maintains transparency on fees, with no known hidden charges.
How are fees calculated for large amounts?
Large transaction fees are usually tiered or percentage-based per account policy.
Are there different tariff plans in the service?
Multiple account types with varying fees and features are available.
What advantages does VIP status provide?
VIP benefits are not publicly detailed.
How to get preferential conditions?
Preferential terms usually come from higher-tier accounts or negotiated agreements.
Are there free operations per month?
Certain transactions may be free within monthly limits depending on account.
Are there discounts for active users?
Discounts or fee waivers may be available for high-activity accounts.
Are there corporate tariffs?
Yes, business accounts have separate tariff structures.
Can individual conditions be obtained?
Custom conditions may be negotiated for business or VIP customers.
Do promotional codes work for fee reduction?
Promotional codes are not commonly used for fee reduction.
Are there cashback programs?
Cashback programs are not standard Metro Bank features.
Are there discounts for transaction volumes?
High volume customers may negotiate fee discounts.
Is there an official mobile application?
Yes, Metro Bank has an official mobile banking app.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Mobile app offers account management, payments, card control, transaction history, and alerts.
Does functionality differ from the web version?
Functionality is broadly similar, optimized for mobile use.
Is Touch ID/Face ID supported?
Biometric login support is available on compatible devices.
Can the application work offline?
The app requires internet access for most functions.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
No confirmed information on dark mode support.
How often is the mobile application updated?
Regular updates are released to improve performance and security.
Are there beta versions of the application?
Beta or test versions are not publicly offered.
Is the web interface of the service convenient?
The web interface is designed for ease of use with standard banking functions.
Is responsive design supported?
The website supports mobile-responsive design.
In which languages is the interface available?
Interface is available in English.
Is there a night mode for the website?
No public indication of a night mode for the web interface.
Are hotkeys supported?
Keyboard shortcut support is not specified.
Can data be exported?
Account statements can be downloaded and exported.
Is there an API for developers?
No public API is available for third-party developers.
Is integration with other services supported?
Integration with Apple Pay and Google Pay is supported.
How often is the web interface updated?
Updates are done periodically without a fixed public schedule.
Are there virtual cards in the service?
Virtual card issuance is not standardly offered.
Can disposable cards be created?
Disposable or temporary card options are not mentioned.
Is multi-currency account functionality supported?
Multi-currency accounts are not available; GBP primary.
Are there investment products?
Investment products are not offered directly by Metro Bank.
Can interest be earned on balance?
Interest may be earned on savings accounts, not on current accounts.
Are there credit products?
Metro Bank offers personal loans and mortgages.
Is P2P trading supported?
Peer-to-peer trading is not supported.
Can cryptocurrencies be bought/sold?
Crypto buying and selling is not offered.
Is there acquiring for business?
Merchant acquiring services are available.
Are mass payouts supported?
Bulk payment services for business customers are supported.
Is there a loyalty program in the service?
A loyalty program is not publicly advertised.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not a standard feature.
Are there referral programs?
Referral programs are not prominently advertised.
What privileges do VIP clients have?
Specific VIP privileges are not publicly detailed.
Are there seasonal promotions and offers?
Occasional promotions may be run; specifics vary.
Can premium status be obtained?
Premium accounts exist with enhanced features.
Are there partner discounts?
Partner discounts are not broadly publicized.
Are there corporate loyalty programs?
Corporate loyalty offerings are not stated.
Does the service allow operations with online casinos?
No explicit information provided on casino transactions.
Are there restrictions on gambling transactions?
Standard UK banking regulations apply to gambling transactions.
Can accounts be blocked for casino play?
Account blocking for gambling-related issues is possible under bank policy.
How does the service view gambling?
Adheres to regulatory and legal requirements regarding gambling.
Are there special conditions for gambling?
No specific gambling terms disclosed.
Are casino transactions tracked?
Transactions are monitored for compliance and fraud prevention.
Can operations with gambling sites be hidden?
No; transparency required under regulations.
Are there notifications about gambling expenses?
No specific notifications for gambling expenses.
Are there special fees for gambling operations?
No special fees publicly disclosed.
Can limits be set on gambling?
Customers can set payment controls; bank may impose limits.
Is there a self-exclusion function?
Gambling self-exclusion is supported through external programs.
Can access to gambling sites be restricted?
Access restrictions are managed by regulatory and operator controls.
Is gambling expense control supported?
Some expense control tools may be available through self-imposed limits.
Are there notifications about limit exceedance?
Alert notifications for limits may be available via app or online banking.
Can operations with casinos be blocked?
Yes, under fraud and compliance policies.
Is there gambling expense statistics?
No specific gambling expenditure analytics.
Is a "cooling-off period" supported?
Cooling-off periods applicable to loans may exist, not specifically gambling.
Can help be obtained for gambling addiction?
Customers are directed to external gambling addiction support services.
Is there partnership with player assistance organizations?
No publicized partnerships.
How to set up gambling expense notifications?
Not specifically available; general transaction alerts can be used.
Which online casinos accept this payment method?
Metro Bank cards and payments are accepted at many UK-licensed casinos subject to merchant agreements.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships are publicly known.
Do conditions differ when used in different casinos?
Standard card transaction terms apply universally.
Are there special bonuses for using this method in casinos?
No specific casino payment bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Card payments can generally be used for deposits; withdrawals depend on casino policies.
Are there geographic restrictions for casino usage?
Casino transaction restrictions depend on UK regulations.
How do casino operators typically process transactions from this method?
Standard card processing mechanisms are used.
Are there typical processing times when used with casinos?
Deposits are usually instant; withdrawals depend on the casino.
Do casinos usually charge additional fees for this method?
Fees vary by casino; Metro Bank does not typically charge additional fees.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues reported.