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  • FIRST POST
    • EarthBoy
    • By EarthBoy 17th Jan 18, 12:55 PM
    • 1,804Posts
    • 1,108Thanks
    EarthBoy
    Metro Bank -now accepting online applications
    • #1
    • 17th Jan 18, 12:55 PM
    Metro Bank -now accepting online applications 17th Jan 18 at 12:55 PM
    You no longer need to visit a Metro branch to open an account; you can now do it online.

    http://www.thisismoney.co.uk/money/saving/article-5278913/Metro-Bank-lets-open-current-accounts-online.html

    https://www.metrobankonline.co.uk/
Page 2
    • Skippy13
    • By Skippy13 20th Jan 18, 12:43 PM
    • 34 Posts
    • 8 Thanks
    Skippy13
    They gave me two boxes of pens! I had tendonitis and their pens were easier for me to write with so I asked for a couple and ended up with a couple of boxes!

    I no longer have an account with them though as I got fed up with being jumped on every time I went into branch and then standing in a queue while the meet and greet person did nothing.
    • NoodleDoodleMan
    • By NoodleDoodleMan 24th Jan 18, 9:45 AM
    • 268 Posts
    • 80 Thanks
    NoodleDoodleMan
    Plenty of ways to deposit money without going to a branch, I fund mine with Faster Payments, and you could always send in a cheque. I haven't been in a Metro branch since I opened my account on a visit to London from Scotland quite a few years ago, and have not been adversely impacted in any way.
    I opened a Metro Bank account without having to visit a branch.

    A few years back they announced they were going to open out to potential customers who didn't live in branch areas, so I contacted head office enquiring about details. Received a polite letter from the CEO promising to include me in due course.

    They eventually reneged on this however (trying to run before learning to walk) so I wrote back and he apologised and honoured his promise, allowing my application by mail.

    This was actioned by a senior colleague in double quick time and the card etc. dropped through the letterbox soon thereafter.

    I was attracted to the then worldwide ATM fee free offer, since revised to Europe only - still a good deal.

    Not our principal current account, but fine for SEPA zone countries when on holiday.

    No idea what will happen after the dreaded Brexit !!!

    A Starling account is fee free worldwide for hole in the wall usage, so it's probably a better option.
    • Anthorn
    • By Anthorn 11th Feb 18, 1:07 PM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    OMG ageism?

    Went through the online application for a current account, uploaded a photo of my passport and a selfie quoted my basic pension and age (67 years), provided more than 3 years address history and consented to "checks" including my more perfect than perfect credit history.

    Lo and behold rejected on the grounds that I don't meet their criteria and it's not the best account for me! Not recommended for O.A.P.s eh?
    • Wellard Mann
    • By Wellard Mann 11th Feb 18, 5:48 PM
    • 52 Posts
    • 15 Thanks
    Wellard Mann
    OMG ageism?

    Went through the online application for a current account, uploaded a photo of my passport and a selfie quoted my basic pension and age (67 years), provided more than 3 years address history and consented to "checks" including my more perfect than perfect credit history.

    Lo and behold rejected on the grounds that I don't meet their criteria and it's not the best account for me! Not recommended for O.A.P.s eh?
    Originally posted by Anthorn
    I’m slightly younger at 66 but was accepted with no issues – albeit in branch, not online – and didn’t have to provide any details of income. Perhaps it was my youthful looks that did it – or perhaps not
    • Anthorn
    • By Anthorn 11th Feb 18, 7:04 PM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    I!!!8217;m slightly younger at 66 but was accepted with no issues !!!8211; albeit in branch, not online !!!8211; and didn!!!8217;t have to provide any details of income. Perhaps it was my youthful looks that did it !!!8211; or perhaps not
    Originally posted by Wellard Mann
    Cannot comment further because I have entered Metro Bank's complaints procedure. It was online and therefore an automatic procedure but their email following the online decline confirms their decline which in itself is probably also automatic.
    • Mr Goodkat
    • By Mr Goodkat 12th Feb 18, 5:28 PM
    • 403 Posts
    • 243 Thanks
    Mr Goodkat
    Cannot comment further because I have entered Metro Bank's complaints procedure. It was online and therefore an automatic procedure but their email following the online decline confirms their decline which in itself is probably also automatic.
    Originally posted by Anthorn
    What do you have to complain about?

    Banks are free to decide who they have or do not have as customers and from your positing history and financial behavior both in the past and more recently your credit history is not more perfect than perfect!
    • Anthorn
    • By Anthorn 13th Feb 18, 7:39 AM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    What do you have to complain about?

    Banks are free to decide who they have or do not have as customers and from your positing history and financial behavior both in the past and more recently your credit history is not more perfect than perfect!
    Originally posted by Mr Goodkat
    How do you know that my credit history is not perfect? Do you have access to my credit history?

    Let's look at this in more detail: First and foremost if a bank says they will check a CRA but they don't do that then the reason for declining must be something else. Now if that same bank does not specify a minimum income and states that the minimum balance is nil then the reason for the decline must be something else. All that's left is age and state pension.

    Whether a bank can decide whether to accept or decline an application depends on the reason for declining. Back in 2014 Lloyds Bank came unstuck when they declined an application due to the advanced age of the applicant:
    http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/10991292/You-are-too-old-for-a-credit-card-bank-tells-customer.html

    Specifically in the case of Metro Bank apart from referring to searching Equifax they refer to their "criteria" which as far as I can see is not published.

    I subscribe to Equifax and there has been no credit searches nor ID searches from Metro Bank. In fact no credit searches at all in the last four months.

    So therefore if it's not age that is the reason for the decline then it must be the mysterious "criteria" and that is the basis of my complaint.
    Last edited by Anthorn; 13-02-2018 at 7:44 AM.
    • WillPS
    • By WillPS 13th Feb 18, 12:55 PM
    • 233 Posts
    • 107 Thanks
    WillPS
    Now if that same bank does not specify a minimum income and states that the minimum balance is nil then the reason for the decline must be something else
    Originally posted by Anthorn
    Just because no minimum income is specified doesn't mean there is no minimum income, or acceptable income type. Banks don't have to (and do not) tell you absolutely all their criteria before you apply.
    • Anthorn
    • By Anthorn 13th Feb 18, 1:14 PM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    Just because no minimum income is specified doesn't mean there is no minimum income, or acceptable income type. Banks don't have to (and do not) tell you absolutely all their criteria before you apply.
    Originally posted by WillPS
    If there is a minimum income and/or income type they should state it. Conversely if they do have a minimum income and income type and that falls above the level of a state pensioner then they are discriminating against state pensioners!

    Metro Bank were silly in giving definite reasons for the decline and even more silly in giving reasons which can so easily be verified. And yet even more silly in referring to unwritten and therefore unverifiable "criteria".

    Age discrimination in finance needs to be stamped out. It's been going on for far too long: Try google searches to verify that. For a start making someone ineligible for finance purely because they have reached a certain older age is ridiculous. Further, it should concern everyone because as time passes everyone is getting older!

    Commenting on the generally held premise that challenger banks are the future of banking, if Metro Bank is the future then we can expect a bleak future indeed possibly harking back to the bad old days before basic bank accounts!
    Last edited by Anthorn; 13-02-2018 at 1:31 PM.
    • mgdavid
    • By mgdavid 13th Feb 18, 2:10 PM
    • 5,375 Posts
    • 4,631 Thanks
    mgdavid
    and now I am green with envy!... or not..... Never seen a Metro bank, think they must be a very rare species in the rural zones!
    Perhaps I need my binoculars out.............. then I can report... a bit like seeing the first cuckoo of spring!
    Originally posted by Katiehound
    https://www.metrobankonline.co.uk/get-in-touch/store-locator/
    A salary slave no more.....
    • Anthorn
    • By Anthorn 13th Feb 18, 3:01 PM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    There is a Metro Bank Store recently opened in the city where I live. But since the area has a large percentage of O.A.P.s and Disabled I think we might jump the gun and already refer to that Store as "failed". Hey I could be wrong but I doubt it.
    • SnowTiger
    • By SnowTiger 13th Feb 18, 6:32 PM
    • 3,181 Posts
    • 2,152 Thanks
    SnowTiger
    ...and consented to "checks" including my more perfect than perfect credit history.
    Originally posted by Anthorn
    Banks are free to decide who they have or do not have as customers and from your positing history and financial behavior both in the past and more recently your credit history is not more perfect than perfect!
    Originally posted by Mr Goodkat
    How do you know that my credit history is not perfect? Do you have access to my credit history?
    Originally posted by Anthorn
    Explain what a 'perfect' credit history is.

    Then explain why your credit history is 'more perfect than perfect'.

    You're previous written enthusiastically about credit unions and, so-called, 'unbanked' accounts. None of which usually report to credit reference agencies.

    IIRC you've also mentioned that you deliberately don't pay off your credit card balances in full because you believe paying a bit of interest makes you more attractive to lenders.

    A 'perfect', or 'more perfect than perfect', credit history is worth diddly-squat if your income doesn't meet Metro Bank's (unpublished) minimum requirement.

    If you're desperate for an account with Metro Bank, pop in to their local store to enquire about opening a Cash Account:

    Unit 1, Christ's Lane
    Cambridge
    Cambridgeshire
    CB2 3BZ
    • Anthorn
    • By Anthorn 14th Feb 18, 4:19 AM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    Explain what a 'perfect' credit history is.

    Then explain why your credit history is 'more perfect than perfect'.

    You're previous written enthusiastically about credit unions and, so-called, 'unbanked' accounts. None of which usually report to credit reference agencies.

    IIRC you've also mentioned that you deliberately don't pay off your credit card balances in full because you believe paying a bit of interest makes you more attractive to lenders.

    A 'perfect', or 'more perfect than perfect', credit history is worth diddly-squat if your income doesn't meet Metro Bank's (unpublished) minimum requirement.

    If you're desperate for an account with Metro Bank, pop in to their local store to enquire about opening a Cash Account:

    Unit 1, Christ's Lane
    Cambridge
    Cambridgeshire
    CB2 3BZ
    Originally posted by SnowTiger
    Full of inaccuracies:

    What is a more perfect than perfect credit history? Well if you know about the credit history you can answer that for yourself.

    Credit Unions don't report to CRAs? Really? Oh yes they do!

    The rest of your post is irrelevant to this thread. You would do well to concentrate on the topic. It works wonders for your credibility.

    I don't see why my credit history is relevant because I have already stated that there is no search of any description from Metro Bank on Equifax which Metro Bank quoted as having searched. Metro Bank must have based their decision purely on my application! Do try to keep up.

    I'm not desperate for a Metro Bank account. My requirements of a bank account are very simple: I require a bank to be efficient and fair and Metro Bank have already proved themselves to be neither of those!
    Last edited by Anthorn; 14-02-2018 at 4:23 AM. Reason: Last paragraph added
    • Mr Goodkat
    • By Mr Goodkat 18th Feb 18, 8:48 AM
    • 403 Posts
    • 243 Thanks
    Mr Goodkat
    How do you know that my credit history is not perfect? Do you have access to my credit history?

    Let's look at this in more detail: First and foremost if a bank says they will check a CRA but they don't do that then the reason for declining must be something else. Now if that same bank does not specify a minimum income and states that the minimum balance is nil then the reason for the decline must be something else. All that's left is age and state pension.

    Whether a bank can decide whether to accept or decline an application depends on the reason for declining. Back in 2014 Lloyds Bank came unstuck when they declined an application due to the advanced age of the applicant:
    http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/10991292/You-are-too-old-for-a-credit-card-bank-tells-customer.html

    Specifically in the case of Metro Bank apart from referring to searching Equifax they refer to their "criteria" which as far as I can see is not published.

    I subscribe to Equifax and there has been no credit searches nor ID searches from Metro Bank. In fact no credit searches at all in the last four months.

    So therefore if it's not age that is the reason for the decline then it must be the mysterious "criteria" and that is the basis of my complaint.
    Originally posted by Anthorn
    From your posting history it is obvious you do not have a perfect credit history.

    You have had financial problems in the past
    You have moved relatively recently
    You carry balances on credit cards and pay interest as you think this makes you look like a more profitable customer
    You have a number of relatively new accounts
    You have a very low income

    The above makes me and presumably banks think you do not have a perfect credit history

    Do you pay for equifax or via a free service like clear score? If you are paying - stop and save. A credit check soft or hard may not appear instantly on the service you subscribe to so could show in the coming weeks.

    Banks can have unpublished eligibility criteria and you may well have failed to have high enough income for example.

    You will not have been rejected purely because of your age.

    How is the complaint progressing with Metro?
    • Anthorn
    • By Anthorn 18th Feb 18, 2:34 PM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    From your posting history it is obvious you do not have a perfect credit history.

    You have had financial problems in the past
    You have moved relatively recently
    You carry balances on credit cards and pay interest as you think this makes you look like a more profitable customer
    You have a number of relatively new accounts
    You have a very low income

    The above makes me and presumably banks think you do not have a perfect credit history

    Do you pay for equifax or via a free service like clear score? If you are paying - stop and save. A credit check soft or hard may not appear instantly on the service you subscribe to so could show in the coming weeks.

    Banks can have unpublished eligibility criteria and you may well have failed to have high enough income for example.

    You will not have been rejected purely because of your age.

    How is the complaint progressing with Metro?
    Originally posted by Mr Goodkat
    The first part of your post quoted is completely irrelevant because I have confirmed that Metro Bank did not search my credit history on Equifax which they quoted as having searched. I subscribe to Equifax and they report in real time but I suppose they could be over 10 days late in reporting a Metro Bank search. Doubtful though.

    I have been quite open about my financial difficulties and the means I used to rebuild my credit history. But I have also been quite open about my difficulties arising in 2007/8 out of the banking crisis. But in relation to my Metro Bank application that in itself is irrelevant because they didn't do a credit search and even if they did the defaulted accounts which were incidentally fully paid and settled have dropped off my credit history.

    If banks have unpublished criteria how are we to decide whether we should apply and whether our application is successful? Metro Bank itself does not publish a required minimum income but states that the minimum required balance is nil.

    However we look at Metro Bank in relation to my application what emerges is highly suspect because practically the only areas I would have failed is age, employment and income which as I have already stated discriminates against state pensioners!
    • SnowTiger
    • By SnowTiger 18th Feb 18, 4:37 PM
    • 3,181 Posts
    • 2,152 Thanks
    SnowTiger
    You're previous written enthusiastically about credit unions and, so-called, 'unbanked' accounts. None of which usually report to credit reference agencies.
    Originally posted by SnowTiger
    Full of inaccuracies:

    Credit Unions don't report to CRAs? Really? Oh yes they do!
    Originally posted by Anthorn
    I used the word 'usually'. I wrote: 'None of which usually report to credit reference agencies.'

    The credit union I joined a few years ago DOES NOT report positive balances to CRAs.
    • veryintrigued
    • By veryintrigued 18th Feb 18, 5:43 PM
    • 2,211 Posts
    • 1,541 Thanks
    veryintrigued

    I'm not desperate for a Metro Bank account.
    Originally posted by Anthorn
    Then move on.

    Lifes way too short for all this....
    • Anthorn
    • By Anthorn 19th Feb 18, 8:05 AM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    Then move on.

    Lifes way too short for all this....
    Originally posted by veryintrigued
    So therefore we just allow banks to discriminate against a comparatively large section of the U.K. population with impunity. In that case where does the discrimination end?

    Let me put this in more graphic terms: A person works all their life, pays all their taxes and insurance and pays all their bills and then when they get older they retire and take their state pension and whammo they cannot get a bank account!
    • colsten
    • By colsten 19th Feb 18, 8:31 AM
    • 8,918 Posts
    • 7,642 Thanks
    colsten
    A person works all their life, pays all their taxes and insurance and pays all their bills and then when they get older they retire and take their state pension and whammo they cannot get a bank account!
    Originally posted by Anthorn
    Which country are you talking about? To be denied a bank account in the UK they'd have to have been involved in some fraudulent activities and have some CIFAS markers as a consequence. Besides, someone who has been working all their life as you describe will already have at least one bank account. Speaking from my own experience, I opened over two dozen bank accounts after retiring.
    • Anthorn
    • By Anthorn 19th Feb 18, 11:59 AM
    • 3,434 Posts
    • 890 Thanks
    Anthorn
    Which country are you talking about? To be denied a bank account in the UK they'd have to have been involved in some fraudulent activities and have some CIFAS markers as a consequence. (cut)
    Originally posted by colsten
    Have you actually read this thread? I don't have any of those things on my credit history now nor at any time in the past. Yet I was denied an account with Metro Bank. In fact over the 6 years life of my credit history there are also no late payments, no minimum payments, no missed payments, no cash advances, no defaults nor arrangements to pay. But then Metro Bank wouldn't know about that because they have not searched my credit history on all three CRAs.
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