Metro Bank ISA rates

How Metro Bank's ISA rates compare

Metro Bank's highest easy access rate is 0.90% AER, on its Instant Access Cash ISA. The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Metro Bank ISA

Fixed Rate Cash ISA (3 years)

No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.

Fixed Rate Cash ISA (5 years)

No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.

Fixed Rate Cash ISA (1 year)

No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.

Fixed Rate Cash ISA (2 years)

No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.

Instant Access Cash ISA

Unlimited access with no notice. Withdrawn money can be replaced in the same tax year without using extra allowance, within your annual limit.

Transferring an ISA to or from Metro Bank

All 5 of Metro Bank's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Metro Bank

• You can start a transfer by calling Metro Bank or visiting a store.
• You can open an Instant Access Cash ISA in a store or in the Metro Bank app, but transferring in previous years' funds is done at a local store.
• Metro Bank takes transfers from cash ISAs and stocks and shares ISAs held with other providers; for the Fixed Rate Cash ISA, a stocks and shares ISA transfer form is completed in store.
• You can transfer in as many previous years' funds as you like, and this will not affect this year's ISA subscription amount.
• On the Fixed Rate Cash ISA, interest starts from the date the transfer form was signed, or from the day funds are received for notice accounts and stocks and shares ISAs.
• You can subscribe to only one Metro Bank ISA in a tax year, and to subscribe to another, you ask Metro Bank to transfer your current year's subscription to a new one.

How long a transfer takes

For the Fixed Rate Cash ISA, you need to start the transfer within 7 days of opening the account and complete it within 30 days. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Metro Bank

You can transfer some or all of your previous years' Metro Bank Cash ISA subscriptions. If you withdraw money from a flexible Metro Bank Cash ISA and plan to pay it back in the same tax year, you must do so before you transfer or close the ISA. Closing a Fixed Rate Cash ISA or transferring it before the term ends loses 180 days' interest, but if less than that has been earned, the full original deposit is given back or transferred. You can move a Cash ISA from Metro Bank to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Metro Bank's own website on 9 October 2026.

Is the Metro Bank ISA flexible?

1 of Metro Bank's 5 adult Cash ISAs are flexible: Instant Access Cash ISA. With a flexible ISA you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

Fixed Rate Cash ISA (3 years)

Opened in a Metro Bank store only. Start any ISA transfer within 7 days of opening and complete it within 30 days.

Fixed Rate Cash ISA (5 years)

Opened in a Metro Bank store only. Start any ISA transfer within 7 days of opening and complete it within 30 days.

Fixed Rate Cash ISA (1 year)

Opened in a Metro Bank store only. Start any ISA transfer within 7 days of opening and complete it within 30 days.

Fixed Rate Cash ISA (2 years)

Opened in a Metro Bank store only. Start any ISA transfer within 7 days of opening and complete it within 30 days.

Instant Access Cash ISA

Opened in a Metro Bank store only. Previous years' ISA funds can be transferred in at a store.

About Metro Bank

Legal name

Metro Bank PLC

Country of incorporation

England and Wales

Principal place of business

London, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 488982)

Deposit protection

FSCS, up to £120,000 per person per banking licence

Complaints

Financial Ombudsman Service

This page covers Metro Bank's Cash ISAs only. We have no commercial relationship with Metro Bank, and the order of the table is set by rate alone. See how we compare and how we make money.