1M
Max Credit Line
3.25%
Corporate APY
Instant
SEPA Transfers
130+
Currencies Supported
Liquidity & Reserve Management.
Optimized capital structures for businesses of every scale. Precision tools to keep your momentum high.
Business Checking
Everyday liquidity with zero maintenance fees, unlimited SEPA transfers, and real-time cash flow monitoring.
- No monthly account fees
- Integrated invoicing tools
- Multi-user access control
Premium Savings
High-yield interest rates for corporate reserves with flexible withdrawal options and automated surplus sweeping.
- 3.25% APY on balance > 50k
- Quarterly dividend payouts
- Direct treasury sweeps
Capital to Bridge the Gap.
Whether you're expanding operations or managing seasonal cycles, our flexible credit lines provide the liquidity you need instantly.
Dynamic Credit Lines
Flexible access to funds up to 1M based on your revenue history and momentum.
Equipment Financing
Asset-backed lending for machinery, technology, and strategic fleet upgrades.
Strategic Advisory
Expert Consultation
Seamless Payment Processing.
Expand your reach with institutional-grade settlement and global gateway infrastructure.
POS Solutions
High-performance terminals for retail and hospitality with instant settlement.
Online Gateways
Secure API integrations for global checkout experiences in 130+ currencies.
Mobile Payments
QR-code and contactless payment acceptance directly on your smartphone app.
The
Optimal MetroHub Bank
Corporate Black Card.
Control spending before it happens. Issue physical and virtual cards to your team with built-in spending limits and automated receipt capture.
Auto Reconciliation
Sync with QuickBooks & Xero
Fraud Shield
Real-time alerts & freezing
Built for the stage you are at.
A two-person consultancy and a group with subsidiaries in four countries need very different things from a bank. The account is the same platform; the structure around it is not.
Founders & startups
Open quickly, keep costs predictable, and get the payment rails you need before you have a finance team.
- Fast digital onboarding
- No minimum balance to start
- Virtual cards for early spend
Small & medium business
Day-to-day operations, payroll and card acceptance, with working capital when the cycle needs bridging.
- Merchant services
- Working capital facilities
- Multi-user access
Corporates
Multi-entity structures, layered approvals and treasury management across currencies and jurisdictions.
- Multi-entity visibility
- Dual and triple sign-off
- FX and liquidity management
Non-profits & associations
Transparent governance, clear signatory control and reporting your trustees and auditors can rely on.
- Signatory mandates
- Restricted-fund clarity
- Audit-ready exports
Three tiers, one platform.
Move between tiers as you grow — the account number, integrations and history stay the same. Figures below are indicative; your published tariff governs.
| Feature | Starter | Growth | Corporate |
|---|---|---|---|
| Best suited to | Sole traders and new companies | Established SMEs with a team | Multi-entity and cross-border groups |
| Authorised users | 1 | Up to 10 | Unlimited |
| Approval rules | Single signatory | Dual sign-off above a threshold | Multi-level, per entity and value |
| Currencies held | Base currency | Up to 5 | 130+ |
| Domestic payments | Included | Included | Included |
| International wires | Per transfer | Discounted tariff | Negotiated tariff |
| Corporate cards | Virtual only | Physical and virtual | Full programme with spend controls |
| Merchant services | Available | Available | Available with bespoke pricing |
| Treasury tools | Not included | Cash-flow view | Sweeping, pooling and FX forwards |
| Relationship manager | Support team | Named contact | Dedicated manager and treasury specialist |
Open in three moves.
Business applications take a little longer than personal ones because we verify the entity as well as the people behind it. Two to five working days is typical.
Read the full processGather your documents
Certificate of incorporation, constitutional documents, proof of registered address, and ID for every director and beneficial owner holding 25% or more.
Apply online
Tell us what the business does, expected turnover and main trading countries. Be specific, because a vague description is the most common cause of delay.
Set your mandate and go live
Decide who prepares payments, who releases them, and above what value a second approver is required. Users are created on approval.
Command Center
for Your CFO.
One view of every account, currency and entity — with the controls that let a finance team move quickly without losing the audit trail.
Real-time cash position
Consolidated balances across accounts, currencies and entities, updated as payments settle rather than overnight.
Role-based permissions
Separate who prepares a payment from who releases it, with thresholds that require a second approver.
Complete audit trail
Every instruction records who raised it, who approved it and when. Exports straight into your accounting system.
Multi-currency by default
Hold and settle in several currencies without a forced conversion on every transaction.
Approval rules
Dual sign-off
above your chosen threshold
Currencies
130+
held and settled
Ready to open your business account?
Start your application
Ready to elevate your business with a stronger experience?
Our dedicated teams are ready to map the right financial structure designed around your business momentum and global treasury reality.
Open in minutes
Most personal applications are decided the same working day.
Speak to a specialist
Real people, not a phone tree. Card and fraud lines run 24/7.
Protected by design
Two-factor authentication and continuous fraud monitoring as standard.