Metro Bank

Metro Bank provides retail banking services to personal and business customers across the United Kingdom. Its core product offerings include current accounts, savings accounts, mortgages, personal loans, and commercial banking facilities. The bank serves individuals seeking everyday banking and small to medium‑sized enterprises requiring financing and transaction services. Metro Bank distinguishes itself through a branch‑based model that emphasizes extended opening hours and seven‑day service availability. This approach aims to combine the convenience of digital channels with accessible in‑person support.

Metro Bank PLC is an independent, publicly listed company traded on the London Stock Exchange under the ticker MTRO. It is not a subsidiary of a larger banking group and is owned by its shareholders. The bank operates under the regulatory oversight of the Prudential Regulation Authority and the Financial Conduct Authority. In January 2019, Metro Bank was targeted by an SS7 protocol exploit that allowed attackers to intercept SMS‑based two‑factor authentication codes, a breach confirmed by the UK’s National Cyber Security Centre. The incident affected a small number of customers, though no financial losses were reported due to the bank’s fraud protection measures. Despite this event, Metro Bank continues to focus on delivering customer‑centric retail banking solutions while maintaining compliance with UK financial regulations.