Is Metro Bank or Unity Trust better for your small business?
Below we look at both Metro Bank and Unity Trust reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Metro Bank vs Unity Trust Trustpilot Reviews
| Metro Bank | Unity Trust | |
| Trustpilot Review Score (out of 5) | 2 | 4 |
| Percent 5-Star Reviews | 45% | 61% |
| Percent 1- Star Reviews | 48% | 14% |
| Total Number of Reviews | 4,764 | 255 |
https://www.trustpilot.com/review/www.metrobankonline.co.uk
https://www.trustpilot.com/review/unity.co.uk
Metro Bank vs Unity Trust App Reviews
| Metro Bank | Unity Trust | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 182,900 | No Reviews |
| Android Review Score (out of 5) | 4.6 | No Rating |
| Number of Android Reviews | 41,500 | No Reviews |
https://apps.apple.com/gb/app/metro-bank/id1175525592
https://www.apple.com/uk/app-store/
Metro Bank vs Unity Trust Account Fees & Charges
| Metro Bank | Unity Trust | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 12 Months | NA |
| Cheapest Monthly Account Fee | Free | £6 |
| Most Expensive Monthly Account Fee | £6.00 | £6 |
| Electronic Payment Cost (in/out) | 30p | 14p |
| Cash Payments Cost (in/out) | 1.00% | 50p per £100 |
| Cheques (in/out) | 30p | 30p per item |
| CHAPS Payments Cost | £25 | £28 |
| SEPA Payments Cost | 20p | 25p |
Metro Bank vs Unity Trust Business Savings Rates
| Metro Bank | Unity Trust | |
| Types of Business Savings Accounts | Instant access, Fixed term | Instant Access, Fixed Term |
| Lowest Savings Rate (AER) | 1.10% | 2.77% |
| Maximum Savings Rate (AER) | 4.41% | 5.10% |
| Minimum Savings Amount | £1 | No |
| Interest Paid On Foreign Currencies | Yes | Yes |
Metro Bank vs Unity Trust Account Opening Times
| Metro Bank | Unity Trust | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 day | 7 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Metro Bank vs Unity Trust Features & Account Types
| Metro Bank | Unity Trust | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | Limited locations in England & Wales only | No own branches but can use NatWest, RBS or Ulster Bank locations |
Metro Bank vs Unity Trust Customer Support Options
| Metro Bank | Unity Trust | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Metro Bank vs Unity Trust Foreign Currency Accounts
| Metro Bank | Unity Trust | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
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Other Business Services From Metro Bank and Unity Trust
| Metro Bank | Unity Trust | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | No | Yes |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | No | No |
| Free Accounting Software | No | No |
Metro Bank vs Unity Trust Banking Basics
| Metro Bank | Unity Trust | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 488982 | 204570 |
| Website | Metro Bank Website | Unity Trust Website |
Common Comparison Questions
Does Metro Bank or Unity Trust have better customer reviews?
Metro Bank scores 2 out of 5 based 4,764 Trustpilot reviews. Of these reviews 45% are 5-star and 48% are 1-star.
Whereas, Unity Trust scores 4 out of 5 based 255 Trustpilot reviews. Of which 61% are 5-star and 14% are 1-star.
Does Metro Bank or Unity Trust have a better App?
Metro Bank’s iPhone App is rated 4.8 out of 5 based on 182,900 reviews. And it’s Android App is rated 4.6 out of 5 based on 41,500 reviews.
In comparison, Unity Trust’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does Metro Bank or Unity Trust have better business savings rates?
Metro Bank offers the following types of business savings accounts: Instant access, Fixed term with interest rates ranging from 1.10% to 4.41%. (AER)
In contrast, Unity Trust offers Instant Access, Fixed Term accounts with interest rates ranging from 2.77% to 5.10% (AER).
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For other business bank accounts see our guide here.