Open your account.

Opening an account with Optimal MetroHub Bank is done entirely online. There is no branch visit and no paperwork to post.

The five steps

1. Choose your product. Personal checking, savings, a business account or a treasury facility — each product page lists the features, rates and eligibility so you can compare before you commit.
2. Complete the application form. We ask for your legal name, date of birth, residential address, contact details, nationality, tax residency and employment or business information.
3. Verify your identity. Upload a government-issued photo ID and a recent proof of address. This is a regulatory requirement for every regulated financial institution — see Why we verify your identity.
4. Wait for the review. Our onboarding team performs identity, sanctions and eligibility checks. You will receive an email at each stage, and you can check progress by signing in.
5. Fund and activate. Once approved, your account number and banking details appear in online banking. Make your first deposit and the account is live.

Before you start

• Use your legal name exactly as it appears on your ID — a mismatch is the single most common cause of delay.
• Have a clear photo or scan of your documents ready. All four corners must be visible and the text legible.
• Use an email address and mobile number you control; both are used for security codes.

If you started an application and did not finish it, sign in with the credentials you created and pick up where you left off. Incomplete applications are held for a limited period before they expire.

Personal accounts

• Photo identification — a valid passport, national identity card or driving licence. It must be unexpired and show your full name, date of birth and photograph.
• Proof of address — a utility bill, bank statement, tax notice or government letter issued in the last three months, showing your name and residential address. Mobile phone bills and screenshots are not accepted.
• Tax identification — your tax identification number and country of tax residency.

Business accounts

• Certificate of incorporation or business registration.
• Memorandum and articles of association, or the equivalent constitutional document.
• Proof of registered business address.
• Identification and proof of address for every director, authorised signatory and beneficial owner holding 25% or more.
• A short description of the business activity, expected turnover and main trading countries.

How to submit them

Documents are uploaded through the secure upload screen in your application or, once you have an account, under Profile → Verification. Accepted formats are JPG, PNG and PDF up to 5 MB per file. Never email documents to anyone claiming to be from Optimal MetroHub Bank — see What we will never ask you for.

Photograph documents on a flat, dark surface in good light. Blurred edges, glare and cropped corners are rejected automatically and add days to your application.

Timelines depend on the product and on how quickly your documents pass verification.

What can slow it down

• Documents that are expired, unreadable, cropped or do not match the name on the application.
• A proof of address older than three months.
• Complex ownership structures on business accounts, which require additional beneficial-owner checks.
• Applications submitted outside working hours or over a public holiday.

You will receive an email whenever the status changes. If your application has been pending noticeably longer than the times above, sign in and raise a support ticket so the onboarding team can look at your specific case.

Personal accounts

• You must be at least 18 years old.
• You must hold valid government-issued photo identification.
• You must be able to evidence a residential address in a country Optimal MetroHub Bank serves.
• You must not appear on international sanctions lists, and you must be able to confirm your tax residency.

Business accounts

• The entity must be legally registered and in good standing with its registrar.
• Directors and beneficial owners must complete individual identity verification.
• The business activity must fall within our accepted industry list. Certain sectors — including unlicensed money services, gambling without a licence, and unregulated virtual asset dealing — cannot be onboarded.

If your application is declined

Regulation limits how much detail we can share about a declined application. You are welcome to reapply if your circumstances change. If you believe a decision was made on incorrect information, contact us and we will review it.

Your approval email contains everything you need to bring the account to life.

1. Sign in with the username you chose during the application.
2. Confirm your contact details. We ask you to re-confirm your email and mobile number, because both are used for security codes.
3. Set up two-factor authentication. This is mandatory before your first outgoing payment.
4. Copy your banking details. Your account number, and where applicable your IBAN and SWIFT/BIC, are shown on the account page.
5. Fund the account. Send an incoming transfer from another bank, or use a supported card top-up. Incoming domestic transfers usually land the same working day; international transfers take one to three.

Nothing has arrived yet?

Incoming funds only appear once the sending bank has released them. Check that the sender used your full account name exactly as registered, and that they included your account number or IBAN without spaces. If it has been more than three working days, raise a support ticket with the sender's confirmation reference attached.