Metro Bank large transfers and transfer limits

Need to send a large bank transfer? You might be putting down a deposit on a new home, buying a new car or perhaps paying your builder for work on your gorgeous new kitchen extension.

Moving mountains of money shouldn't feel like a mountain of work. You’ll need to know how to transfer large sums securely and conveniently in the UK - without racking up huge fees. In this handy guide, we’ll take a look at how to transfer large amounts of money with Metro Bank. This includes info on fees and limits, as well as security and transfer times.

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Table of contents

Can you send large transfers with Metro Bank? Metro Bank transfer limits What’s the maximum amount you can send with Metro Bank? Can you send multiple large transfers per day? How to transfer large amounts with Metro Bank: Step-by-step process Is Metro Bank safe for large transfers? How long do large transfers take with Metro Bank? Metro Bank large transfer fees and costs Wise – A low-cost alternative for international transfers Key takeaways

Can you send large transfers with Metro Bank?

You can send large transfers with Metro Bank, but you’re limited as to the options available.

Metro Bank lets you send a maximum of £21,000 per day via its mobile banking app,¹ and it doesn’t provide information as to whether this limit is higher when using online banking or visiting a branch. So, you’ll need to contact the bank for more information. With many banks, you get a higher limit if you’re able to visit a branch in person.

You can, however, make a CHAPS payment if you need to send more than the daily mobile banking app limit. CHAPS stands for Clearing House Automated Payment System, and it’s specially designed for making fast, secure large transfers. It doesn’t usually have any minimum or maximum limits on how much you can send.

Similar to other UK banks, Metro Bank charges a fee for CHAPS payments. You may need to visit a branch to make this kind of payment.

You can also send international payments with Metro Bank, but the bank doesn’t have information available as to the maximum transfer limits. There are also money transfer fees involved when you send overseas payments with the bank.

Metro Bank transfer limits

Here’s a quick at-a-glance look at the transfer limits for all payment types with Metro Bank:¹

Transfer method	Metro Bank transfer limit
Faster Payments	Up to £21,000 per day via the mobile banking app¹
CHAPS payment	No minimum or maximum limit
International payments	Check with the bank

It may be possible to increase any limits that apply, but you’ll need to contact Metro Bank to find out more. It may be easiest to visit a local branch in person, where a staff member will help you choose the most appropriate method for your payment and guide you through the process. Just remember to take photo ID with you.

📚 Read more: The best UK banks for sending money abroad

What’s the maximum amount you can send with Metro Bank?

The maximum you can send with Metro Bank to another UK account is £21,000 per day.¹ This is when using the bank’s mobile app.

If you need to send more than this, you can use CHAPS for an extra fee.

Can you send multiple large transfers per day?

Yes, you should be able to send multiple payments per day with Metro Bank, but you won’t be able to exceed your daily sending limit.

How to transfer large amounts with Metro Bank: Step-by-step process

Ready to make your transfer? The first thing you’ll need to do is to open an account with Metro Bank, if you haven’t already.

Next, you’ll need to get your recipient’s details together. Here’s what you’re likely to be asked for:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)

You’ll need additional details if you’re sending money abroad:

• The name, account number and address of the person or company you’re paying
• The recipient’s International Bank Account Number (IBAN)
• The SWIFT/BIC code for their bank

The easiest way to send your payment is via mobile banking. Simply follow these steps:

1. Log in to mobile banking
2. Tap ‘Pay & Transfer’ and then ‘Pay a person or bill’
3. Select the account you want to pay from
4. Tap ‘Create new payee’ or select an existing recipient from the list
5. Select what the payment is for, and confirm that you’ve read the fraud advice provided on screen
6. Select the account type - personal or business account
7. Add the recipient’s details and make a match - you’ll also need to complete an additional verification step using biometrics or a passcode
8. Once the new recipient has been created, you can enter the amount you want to send and the date
9. Tap ‘Make payment’
10. Check the details carefully and tap ‘confirm’.

To send money abroad, you’ll follow the steps above, but you’ll also need to select the country you’re sending to and the currency.

If you prefer, you can also visit a branch of Metro Bank in person to send your payment. This can be best for sending payments above your daily online sending limit, or for setting up a CHAPS payment.

Just remember that you’ll need to take ID documents along with you, and that there may be additional fees for in-branch services (such as for sending a CHAPS payment, for example).

➡️ Learn more about the Wise account

Is Metro Bank safe for large transfers?

Metro Bank is a fully licensed UK bank and is strictly regulated.

In order to be compliant, Metro Bank and other licensed UK banks are required to use sophisticated security measures to protect customers’ data, money, accounts and transfers.

At Metro Bank, this includes protections such as:

• 24/7 account monitoring and fraud detection
• Authentication for online transactions
• Strong Customer Authentication to safeguard your account (i.e. texting you a passcode when you log in to online banking)
• Confirmation of Payee (CoP) - to make sure account details and names match the recipient’s bank records
• Data encryption
• Alerts if suspicious activity is detected on your account
• Biometric authentication to login to the Metro Bank app.

How long do large transfers take with Metro Bank?

Most Metro Bank transfers arrive within 2 hours, though international payments can take up to 5 working days.

Here’s a quick look at average transfer times with Metro Bank:²

Sending method	Cut-off time	Transfer arrives
Faster Payments	N/A	Up to 2 hours, often instantly
CHAPS payments	- Before 5pm on a working day - After 5pm and weekends/bank holidays	- Same day - Next working day
International payments	Varies by currency	Payments sent same or working day, may take up to 5 working days to arrive

Metro Bank large transfer fees and costs

So, how much do Metro Bank large transfers cost? Here are the main fees and charges you need to know about:³

Payment type	Transfer fee
Faster Payments	Free
CHAPS	£25 per payment
International payment	SEPA: £0.20; SWIFT: £25 (from GBP account; $25 from USD; €20 from EUR)⁴

When sending an international transfer with Metro Bank, you’ll also need to check the exchange rate - as well as the upfront transfer fee.

Metro Bank uses its own standard exchange rate for converting currency, and this is likely to include an FX margin.

You’ll be shown an indicative rate in the app when setting up your payment, but bear in mind that this can move up or down before the payment is actually sent. The final rate will be applied once the money actually leaves your account.⁴

Wise – A low-cost alternative for international transfers

Looking for a secure, convenient and low-cost way to send large sums of money internationally? Take a look at the Wise account from the money services provider Wise. It's not a bank account but offers some similar features and your money is safeguarded.

With Wise, you can send large amount transfers worldwide to 140+ countries in 40+ currencies for low, transparent fees and mid-market exchange rates with no markup.

Here’s an overview of the main benefits of using Wise:

Fast and easy setup with no physical paperwork Low, transparent fees and no-markup mid-market exchange rates 24/7 Dedicated support and volume discounts for large transfers No monthly/annual account fees Sophisticated security and anti-fraud measures, with your money safeguarded Trackable and fast transfers to 140+ countries Low-cost spending in 150+ countries with the Wise card Earn a variable return on your GBP, USD and EUR with Wise Interest (capital at risk, growth not guaranteed)**

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**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

Key takeaways

• The Metro Bank mobile app restricts you to a daily transfer maximum of £21,000.
• You can use CHAPS for payments exceeding the app limit, as this method imposes no maximum transfer cap for a £25 fee.
• Metro Bank charges a £25 fee for SWIFT transfers, while SEPA payments within the EEA cost only £0.20.
• Faster Payments often arrive quickly, but you must submit CHAPS orders before 5pm on working days for same-day delivery.
• Metro Bank protects your money through 24/7 monitoring and biometrics, though you should visit a branch with photo ID for the largest transfers.

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Sources used:

1. Metro Bank - Mobile Banking App
2. Metro Bank - Help and Support - What are the cut-off times for Bacs, CHAPS and sending money outside the UK when I’m using online banking?
3. Metro Bank - Personal Accounts Important Information Summary
4. Metro Bank - International Payments on Mobile

Sources last checked on date: 08-Jan-2026