Personal
Savings Accounts
High-yield savings up to 4.5% APY with no minimums, no lockups, and no monthly fees.
Modern banking,
built for everyday life
Bankmetropolitano is a calm, secure digital bank. Spend, save, and grow with zero hidden fees, instant transfers, and bank-grade security.
Available balance
€12.438,20
Bankmetropolitano · Cuenta Corriente · ••4218
DEBIT
•••• •••• •••• 4218
A. MORGAN12 / 28
Mercadona-€42,18
Salary · Telefónica S.A.+€3.240,00
Spotify-€9,99
Features
Everything you need,
nothing you don't
Smart debit card
Tap to pay anywhere. Real-time spend tracking with instant notifications.
High-yield savings
Earn up to 4.5% APY on every dollar. No minimums, no lockups, no fees.
Instant transfers
Move money to friends and other banks in seconds, 24/7. Always free.
Bank-grade security
protegidos por el FGD (Fondo de Garantía de Depósitos) hasta 100.000 €. Biometric login and two-factor by default.
Invest with ease
Buy stocks and ETFs commission-free, right alongside your checking account.
Use it worldwide
No foreign transaction fees. Spend abroad at the real exchange rate.
About us
Banking, reimagined for the way you actually live.
Bankmetropolitano started with a simple idea: banking should feel calm, transparent, and entirely on your side. We built a bank without the legacy — no hidden fees, no confusing jargon, no waiting in line.
Today, more than a million people trust us to hold, move, and grow their money — across borders, currencies, and life chapters. We're a small team of engineers, designers, and former bankers committed to making finance feel human again.
2014
Founded
1.2M+
Customers
€8B
Assets managed
42
Countries served
Regulated & insured
Deposits protected up to €100,000 by the Spanish FGD. Licensed across the EU with bank-grade encryption on every transaction.
Services
A full suite of financial services
From everyday savings to growing a business, Bankmetropolitano brings every part of your financial life under one calm, secure roof.
Lending
Loans
Personal, auto, and home loans with transparent rates and fast online approval.
Wealth
Investment Services
Commission-free stocks, ETFs, and managed portfolios that grow with your goals.
Business
Corporate Banking
Treasury, payroll, and credit solutions tailored to startups and established businesses.
Digital
Online Banking
Manage every account, card, and transfer from a single, beautifully simple dashboard.
How it works
Three steps to a better bank
1
Apply in minutes
Open an account from your phone in under 3 minutes. No paperwork, no branch visit.
2
Get verified
We verify your identity securely. Most customers are approved instantly.
3
Start banking
Add money, get your card, and enjoy fee-free banking from day one.
Reviews
Loved by 200,000+ customers
"Switched from a big bank and never looked back. Transfers actually arrive instantly."
Daniel Cooper
Small business owner
"The 4.5% savings rate is real. My emergency fund finally earns its keep."
Emma Lindström
Software engineer
"No foreign fees made my semester abroad so much easier. The app is gorgeous too."
Ryan Mitchell
Grad student
"Simple, clean, no nonsense. This is what every bank should feel like."
Mei Lin
Freelance writer
FAQ
Questions, answered
Everything you need to know about banking with Bankmetropolitano. Can't find what you're looking for? Reach out anytime.
Is Bankmetropolitano a real bank?
Yes. Bankmetropolitano is a fully licensed digital bank. Deposits are protegidos hasta 100.000 € por el FGD through our partner institutions.
How long does it take to open an account?
Most customers are up and running in under three minutes. All you need is a valid ID and a few personal details — no paperwork, no branch visits.
Are there any hidden fees?
No. We don't charge monthly maintenance fees, overdraft fees, or foreign transaction fees. What you see is what you pay.
How secure is my money?
We use bank-grade 256-bit encryption, biometric authentication, and 24/7 fraud monitoring. Your funds are protegidos por el FGD hasta 100.000 €.
Can I use Bankmetropolitano while traveling abroad?
Absolutely. Spend in over 150 currencies with zero foreign transaction fees and get real-time exchange rates straight from the app.
Do you offer customer support?
Our team is available 24/7 via chat, email, and phone. Average response time is under two minutes.
Still curious? Talk to an advisor
Ready for a better bank?
Join 200,000+ people who use Bankmetropolitano for everyday banking. No hidden fees, ever.
Open free account