Optimal MetroHub Bank supports businesses with payment infrastructure, visibility tools, and relationship-led service that scales with complexity.
200M
Active Users Worldwide
16.1M
Transactions Daily
400k+
5-Star Reviews
90%
Customer Retention
Grow your portfolio with expert guidance and smart automated investing tools tailored for your goals.
Zero hidden fees, instant transfers, and a sleek debit card for your everyday spending needs.
Discover a suite of powerful tools designed to make managing your finances effortless and secure.
Learn moreEarn on every purchase
Bank-grade encryption
Protected
256-bit secure
Hello! How can I help you today?
I need help with my new card.
Send money across borders quickly and securely with competitive exchange rates.
Protect your most valuable physical assets in our state-of-the-art secure vaults.
We started with a simple idea: banking should be easy, transparent, and work for you. See how far we've come.
200M
Customers globally
16.1M
Daily transactions
400k+
Five-star reviews
90%
Retention rate
"We are dedicated to providing the best financial tools to help you manage your money effortlessly."
Read full storyTrack your spending, set budgets, and achieve your financial goals with our intuitive dashboard tools.
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Business Owner
"The insights provided by Optimal MetroHub Bank have completely transformed how I manage my business finances. Highly recommended!"
Instant transfers to anyone, anywhere in the world with zero hidden fees.
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"The customer service team is always responsive and helpful. The app is incredibly user-friendly."
"Managing my international transfers has never been easier. Truly a world-class experience."
Tailored property financing for residential and commercial real estate across every market we lend in.
Unlock value from your investment portfolio without selling your assets. Fast approval and competitive spreads.
Track your financial performance with our intuitive, modern analytics. See exactly how your cash flow is optimized over time.
Every service below has its own page with the detail, the criteria and the charges. Nothing here is a placeholder.
Day-to-day accounts with no monthly fee and full card controls.
OpenSeparate pots with target dates, funded automatically.
OpenContactless, virtual and rewards cards you control yourself.
OpenPayments, statements and card controls around the clock.
OpenFixed terms and published rates, with every fee disclosed up front.
OpenFixed, variable, first-time buyer, remortgage and self-build ranges.
OpenIncome multiples, deposits and property types, published before you apply.
OpenFixed-rate funding for cars and light commercial vehicles.
OpenDiversified portfolios, published charges, risks stated plainly.
OpenWhat each tier adds, and the point at which it pays for itself.
OpenThe full published tariff across every product.
OpenPlain-language explainers on saving, borrowing and planning.
OpenOperating accounts with roles, approvals and multi-user access.
OpenPhysical and virtual cards with live spend controls.
OpenTake card payments in person and online, with next-day settlement.
OpenCash concentration, sweeps and visibility across entities.
OpenFacilities sized to your cash cycle rather than a flat formula.
OpenAsset-backed funding that matches the life of the asset.
OpenStructured lending for expansion, acquisition and capex.
OpenThe documents, the signatories and how long each stage takes.
OpenIndicative service levels for the things people most often need to plan around. Cut-off times are stated in your account’s local business hours.
| Request | Typical timing | Notes |
|---|---|---|
| Account opening decision | Within 1 business day | Longer if identity documents need a second look. |
| Internal transfer | Immediate | Between accounts held with us, at any hour. |
| Local transfer | Same business day | Sent before the daily cut-off; otherwise the next business day. |
| International wire | 1 to 3 business days | Intermediary banks can add a day and their own charge. |
| Card replacement | Ordered instantly | Virtual card is usable immediately; plastic arrives by post. |
| Loan decision in principle | 2 to 5 business days | Indicative only, and no obligation. |
| Mortgage formal offer | After valuation and underwriting | Answering underwriter questions same-day is the biggest accelerator. |
| Support ticket, first response | Within hours | Priority routing on Elite Plus and Prestige. |
| Formal complaint acknowledgement | Promptly, in writing | With a named handler and a reference. |
The same answers our support team works from, published rather than kept internal.
Internal transfers are instant. Domestic transfers usually settle the same working day. International wires take one to five working days.
Read answer Payments & TransfersUse Transfers → International. You will need the IBAN or account number, SWIFT/BIC, and the beneficiary bank address.
Read answer Fees, Rates & LimitsYour account's fee schedule is in online banking under Profile → Documents, and every fee is shown on screen before you confirm a transaction.
Read answer Business & TreasuryApply online with your registration documents and details for every director and beneficial owner. Approval typically takes two to five working days.
Read answer Business & TreasuryMulti-currency accounts, cash-flow visibility, sweeping and pooling, FX management and short-term placement of surplus funds.
Read answer Business & TreasuryAccept card payments in person, online or by payment link, with settlement into your business account and a single reconciliation view.
Read answer
Start the application online, verify your identity, and fund the account. Most straightforward applications are completed the same working day.
Read the full answerWe're here to guide you through every financial milestone.
Ready to experience superior checking?
Open Account NowOur 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.
