FAQs

• Transparency: We prioritize clear communication and ensure you are informed at every step in your relationship with Metropolitan.

• Efficiency: Our streamlined approach minimizes delays, enabling you to access our financial services quickly and securely.

• Security: By adhering to global regulatory standards, we safeguard your personal and business data from unauthorized access and others security risks.

• Tailored Solutions: We offer personalized account plans that cater to your unique financial Personal needs and objectives

• Personalized attention. At Metropolitan, our CRM team is committed to delivering exceptional service by assigning specialists dedicated to each type of customer. This ensures that we can address any inquiries, suggestions, or concerns with the utmost quality. We recognize that the needs of our corporate clients differ significantly from those of our private clients. That’s why Metropolitan tailors its approach to provide truly personalized attention, ensuring every client receives the care and solutions they deserve.

To protect your account, we use a three-layered security architecture:

• Secure login. Your login details of both the mobile and WebApp consist of a username/phone number and password or fingerprint/face recognition (depending on your smartphone).

• Confirmation PIN. This 6-digit code is required every time you make a transaction. We send it via SMS to your mobile phone.

• Push messages. For every incoming and outgoing payment, a push message will be sent to your smartphone. It’s also used to confirm and finalize your transactions.

Every time you contact us we’ll ask you some security questions to make sure it’s really you. But we’ll never ask for your debit card number, card verification code (CVV), password, or your card or Confirmation PINs.

We’ve also taken steps to protect your data. Find more information in our Privacy Notice.

In any case, If you’ve received any questionable communications, please report it to our CRM team. (Visit “Get in touch”)

We offer:

The choice between a private account and corporate account

• • Three Accounts in £, € and $

  • GBP IBAN,

  • Transfers with SEPA and SWIFT and LOCAL

  • Good currency exchange rates.

  • Foreign currency transfers.

  • And much more ………

You can see all the information about our client packages in our web Site Services Client Packages

Commitment to GDPR and Data Protection Laws

Metropolitan Global Finance complies with the General Data Protection Regulation (GDPR) and Gibraltar’s Data Protection Act 2004, ensuring that customer data is processed lawfully, fairly, and transparently.

Your Data Rights

Customers have the right to:

• Access: Request access to personal data held by Metropolitan.

• Correction: Request corrections to inaccurate or incomplete data.

• Deletion: Request deletion of data, subject to legal or regulatory requirements.

Data Breach Notification

In the event of a data breach:

• Customers will be notified within 72 hours, as required by GDPR.

• We will provide guidance on mitigating risks and securing accounts.

We understand that this is very personal information. To protect your data, any messages related to your personal information are always sent to you in your Metropolitan app. We’ll never send you links in SMS, or call you to ask about your personal details.

• We will never ask you to prove your identity on behalf of other individuals or companies.

• As the account owner, only you should create and have access to your login details. Never create a Metropolitan bank account with a predefined email address and password. If you use login credentials that were given to you, these credentials may be used to reach your personal and legal information. Also, never log into a Metropolitan account that is not yours.

• Do not send your ID or passport to unknown or unverified recipients.

• We may ask for certain documents when your transaction is subject to a routine check. Only send valid documentation to verified Metropolitan email accounts.

• We will never ask for your username, password, or PIN codes outside the Metropolitan app. Never provide this information in an external website or app, even if it looks Metropolitan -related.

If you ever feel in doubt, have received a suspicious request from a third party, or think your Metropolitan login may be compromised, please do not hesitate to contact us.

• Remember: Metropolitan never initiates contact via SMS.

As a Metropolitan customer, You can manage marketing preferences in the Metropolitan mobile & web apps, allowing you to choose whether or not you would like to receive personalized offers for Metropolitan products and features, updates about Metropolitan partner deals and other recommendations.

You can access the Marketing Communications Settings in the mobile & web app as follows:

1. My profile

2. Settings

3. Marketing Communications

You can find information on the associated data processing in the Metropolitan privacy notice.

There are several ways you can reach out to our CRM team, but the best option is always to contact us directly through “contact us” from our App.

We are available every day from 09:00 to 19:00 CET, including Sundays and bank holidays.

How to contact us through the App

Log into the APP and use any of the contact channels you can find in the contact us section

We can only connect you with our CRM team if you call us from the number registered in your account.

How to contact us through the user WEB

Log into the WEB USER and use any of the contact channels found in the contact us page

We can only connect you with our CRM team if you call us from the number registered in your account.

You can also contact us through our website in our “Get In Touch” page on our website.

Don’t have access to the App?

If you don’t have an account with us, but you have general questions about our products and services, you can either call us to our phone number +350 5409052 or send us an email to crm@mgf.gi.

Phone calls

If you receive a cold call from Metropolitan – it is a scam.

Metropolitan will never contact you unprompted via phone. If a phone call is necessary, we’ll always use notify you to require you contact with us

Text messages

When Metropolitan uses text messages, the primary purpose is to send you verification codes. We’ll never ask you to share these verification codes via email or social media.

Metropolitan will also never send you clickable links or demands via SMS, ask you to download any software or install an app.

Emails

Email communication from Metropolitan will only take these two forms:

• Marketing emails from crm@mgf.gi to inform you about new products or articles,

• Alerts from info@mgf.gi about important messages data changes, surveys, or notifications about account security.

Contact crm@mgf.gi via email in case you don’t have access to your Metropolitan account.

If we have any sensitive requests requiring your attention, we’ll contact you via the in-app Messages or in Web app Messages.

A few other things to know: Metropolitan will never request information from you via email, ask you to respond to an email with any personal data, or send you links to download anything. Be suspicious of emails that try any of those tactics.

The Metropolitan website

Our website URL is mgf.gi and our support page is here. Some email or SMS phishing scams will use fake URLs that look similar, but they don’t belong to Metropolitan. Here are a few ways to check for fakes:

Look for the padlock symbol that indicates a secure connection — it’s located next to the website URL in your browser window. Click on the padlock to verify the website credentials, or to check if the Secure Sockets Layer (SSL) certificate is valid and who it was issued to.

Legitimate Metropolitan website

• Our website URL is mgf.gi.

• Our support page is here.

• Our online Web banking app our website

• These URLs may have simple additions to indicate the country, language, or page topic.

For regulatory and functional purposes, it’s very important to keep your personal data up-to-date.

How to update my phone number, email address, delivery address or home address?

You can update part of this information directly in the app or Web app. Simply:

1. Login to the mobile app or Web App

2. In the top right corner, tap on your profile

3. Tap Personal Information

To update your name, nationality or other information please contact us (see how to contact Metropolitan) and we will help you in all the process.

Once you have received our message informing you about the request to update your personal data, you will receive an invitation to start this process by logging into your Metropolitan app. It will only take a few minutes!

Before you start the process, please make sure you have successfully updated to the latest version of the Metropolitan app. Updating your personal information is only possible via the app on your mobile device (but not from the web app).

What information do I need to update?

The data you will need to update includes your:

• Personal Data:

• Tax information:

• Address (Residencia):

• Additional Information:

If you have sent a bank transfer from your Metropolitan account and need confirmation of the sending or receipt, you can download the PDF file with the transaction:

• Log into your Metropolitan app or Web app

• From the list of transactions, select the bank transfer for which you want to download the confirmation

• Click on “Download transfer confirmation”

As soon as you choose this option, the document will automatically be downloaded to your smartphone or pc.

What data will I find in the transfer confirmation?

In the confirmation of the transfer, you will find the bank details of the sender and recipient of the transfer, including the amount of the transaction, fees and the date on which it was made.

Also, you will be able to download your BANK Statement by selecting a range in the main screen of your transactions.

If we notice that your ID document is going to expire soon, we will ask you to submit a new valid document. To do so, use your smartphone to log in to the Metropolitan app, then follow the instructions on the screen.

You can submit a new valid document using your Metropolitan app on your smartphone.

Please ensure that:

• Any plastic coverings are removed

• The photos of your ID are clear with all information visible, including any holograms and security features. Use natural light near a window when possible as this yields the best results

• There’s nothing blocking your ID document, such as your fingers

• When you take the picture, your ID fits perfectly inside the frame displayed in the app.

Please note that Metropolitan only accepts photographs of original documents. Photos of photocopies of the ID document, or of screenshots, will not be accepted.

If your ID is not being accepted, please:

• Make sure to take the picture of the selected document type

• Make sure to use the original document, no scans or copies

As a fully-licensed electronic money institution, Metropolitan must carry out routine technical checks on customer accounts. This helps us ensure that ‌the funds held in Metropolitan accounts are kept safe and secure.

In such a case, we’ll send an email to your registered email address, as well as a message to your in-app or Web app. You may also receive an in-app and Web app notification banner.

Always be vigilant and verify that such emails come from Metropolitan – we will never ask for your Metropolitan account details, password or any details shared in your verification process.

You’ll be asked to submit documents that may relate to your personal information and recent activity. These can include scans or photos of receipts, payslips, invoices, or other types of documents.

You may also be asked to answer additional questions to help us follow the routine technical checks within the process.

Most of the time, these checks are done very quickly! In some cases, however, these checks may take more time or might lead to your account being temporarily unavailable to you.

This process is overseen by a dedicated team specialized in conducting technical reviews of this nature, who work diligently to minimize any disruption. For this reason, our Metropolitan CRM team is unable to provide further information on your account or expedite the process.

We thank you for your help and appreciate your patience. We’ll contact you proactively as soon as the technical review process is complete.

Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF)

Commitment to AML/CTF Compliance

Metropolitan Global Finance complies with Gibraltar’s Proceeds of Crime Act 2015 (POCA) and AML/CTF Regulations 2018, which form the cornerstone of our anti-money laundering and counter-terrorism financing efforts.

Our robust compliance program includes:

1. Customer Due Diligence (CDD):

   • Verification of identity, address, and the source of funds during onboarding.

   • Routine updates to ensure data accuracy.

   • Enhanced due diligence for high-risk customers, including politically exposed persons (PEPs).

2. Enhanced Due Diligence (EDD) for PEPs and High-Risk Clients:

   • Periodic reassessment of risk profiles.

   • Detailed transaction reviews and source of funds validation.

   • Heightened monitoring of accounts with transactions to or from high-risk jurisdictions.

3. Transaction Monitoring:

   • Real-time transaction monitoring systems to flag unusual activity.

   • All suspicious activity is reported to the Gibraltar Financial Intelligence Unit (FIU) as required by law.

4. Timelines for Documentation Compliance:

   • Customers are required to submit requested documents within 14 days of receiving a notification. Failure to comply may result in account restrictions or termination.

3. Consumer Protection

Customer Rights and Appeals

We are committed to ensuring fairness and transparency in all decisions related to account closures and blocked transactions.

• Appeals Process: Customers may appeal any decision to block a transaction or close an account by contacting our Customer Relations Team at crm@mgf.gi. Appeals are reviewed within 14 business days, and customers will be informed of the outcome via email.

• Independent Dispute Resolution: If you are unsatisfied with the outcome of an appeal, you may escalate your case to the Gibraltar Financial Services Ombudsman at:

  • Website: [Ombudsman Website]

• Contact: (+350) 200 46001

• Transparency on Immediate Closures: In cases of immediate account closures, we will provide:

  • A detailed explanation of the reasons for the decision.

  • Supporting evidence where applicable.

  • Clear guidance on next steps, including how to access remaining funds.

4. Cross-Border Transactions

Compliance with FATF Guidelines

Metropolitan Global Finance adheres to international standards set by the Financial Action Task Force (FATF).

• Transactions to sanctioned individuals or entities are automatically blocked.

• Additional scrutiny is applied to transactions involving high-risk jurisdictions, including verification of recipient details and fund sources.

Notification of Blocked Transactions

If your transaction is blocked:

• You will receive an in-app notification and an email explaining the reason.

Our Customer Relations Team is available to assist at crm@mgf.gi.

At Metropolitan Global Finance, ensuring the security and compliance of all transactions is a top priority. A transaction might be blocked for the following reasons:

1. Suspicious Activity

• The transaction appears to deviate significantly from your usual account activity, such as unusually large amounts or transfers to high-risk regions.

• Example: A client who typically makes small local transactions suddenly transfers a large sum to an unfamiliar overseas account.

2. Incomplete or Incorrect Information

• The transaction details provided are incomplete or incorrect, such as an invalid recipient IBAN or missing reference details.

• Example: A SEPA payment is initiated without the required payment reference.

3. Regulatory Requirements

• The transaction flags a potential violation of anti-money laundering (AML) or counter-terrorism financing (CTF) protocols.

• Example: A transfer to a sanctioned individual or entity detected through our automated compliance checks.

4. Insufficient Funds

• The account does not have enough funds to cover the transaction amount and any associated fees.

• Example: A transfer of €1,000 is attempted from an account with a balance of €950.

5. Document Verification Pending

• The client’s account is under review due to missing or expired documents required for compliance.

• Example: An ID document has expired, and the client has not submitted a valid replacement.

6. Technical or System Errors

• Occasionally, a transaction may be blocked due to technical issues, such as system downtime or errors in payment processing networks.

• Example: A SWIFT payment is delayed due to a temporary outage in the network.

1. Check your in-app notifications or emails for details on why the transaction was blocked.

2. Address the issue by:

   • Correcting any incomplete or incorrect details.

   • Providing requested documents promptly.

   • Contacting our CRM team for assistance if the issue is unclear crm@mgf.gi.

3. Once resolved, the transaction will either be processed or refunded to your account if applicable.

By blocking suspicious or non-compliant transactions, we aim to protect your account and ensure adherence to international financial regulations.

As a fully-license electronic money institution, Metropolitan must carry out routine technical checks on customer accounts. As a regulated institution, this helps us ensure that the funds held in Metropolitan accounts are kept safe and secure. Of course, at any moment If you don’t understand something you can contact us (see how to contact Metropolitan)

On occasion, the results of these routine checks may require us to terminate our business relationship with an account holder.

Whenever this may be the case, the owner of the account will be fully informed of the situation via email. In every situation, Metropolitan will contact you only at the email address associated with your Metropolitan account and never via SMS or phone, and we will never ask for your Metropolitan account details, password or card details. Clear instructions will be provided in this email on the next steps you should take.

We can close your account in 3 ways (with 2 months notice, 14 days notice, or immediately). These cancellations are final: our CRM team can’t provide any information about the background of individual cancellations, nor can they reverse the decision. You’re also able to terminate your business relationship with us at any time, immediately, and without a reason.

2 months notice:

We have the right to terminate any business relationship with 2 months notice without a cause (see T&C).

14 days notice:

We can also terminate any business relationship with 14 days notice (see of our T&C) if reasonable cause is given due to the breach of contractual duties. These can include but are not limited to:

• Using a personal account for business purposes. According to our T&Cs, a private account may only be used for personal use. Any credit transfers that relate to professional fees for provided services and/or sold products are considered business transactions. If you’d like to use your account for this purpose, please sign up for corporate account.

• Providing incorrect or insufficient information for a routine background check. We’re a bank so we sometimes run checks on transactions. If you don’t provide correct and/or sufficient information about the transaction in question, we have the right to terminate the business relationship in order to be compliant with financial regulations.

• Displaying abusive behaviour towards Metropolitan employees. We don’t tolerate abusive behavior towards our employees. The threat of physical harm or general abusive behavior may be considered a criminal offense according to law and will be reported to the respective authority without exception.

Immediate cancellation

We may also terminate any business relationship on an extraordinary basis (see of our T&C). That means: at any time, without prior notice, and without a cancellation period when there is reasonable cause for such termination. These can include but are not limited to:

1. Misuse of the Account

The account is being used for purposes other than those intended or agreed upon during onboarding.

Example: A personal account is being used to process business transactions, such as receiving payments for services or goods.

2. Breach of Regulatory or Legal Obligations

The client fails to provide requested documentation or information needed to comply with AML (Anti-Money Laundering) and CTF (Counter-Terrorism Financing) regulations.

Example: The account holder does not submit a valid proof of address or source of funds within the required timeframe.

3. Fraudulent or Suspicious Activity

Evidence of fraudulent activity, money laundering, or other suspicious transactions is detected.

Example: Large, unexplained transfers to or from high-risk jurisdictions without supporting documentation.

4. Failure to Meet Due Diligence Requirements

The account holder does not cooperate with mandatory account reviews or periodic updates required by regulatory authorities.

Example: Refusing to update an expired ID or failing to respond to a request for additional documentation during a routine review.

5. Abusive Behavior Towards Staff

Instances of abusive or threatening behavior directed at Metropolitan employees or representatives.

Example: A client uses offensive language or issues threats during interactions with customer support.

6. Violation of Terms and Conditions

Non-compliance with the terms of service agreed upon when opening the account.

Example: Attempting to use the account for illegal activities, such as funding prohibited goods or services.

7. High-Risk Client Status

The account holder is flagged as high-risk due to associations with sanctioned individuals, politically exposed persons (PEPs), or entities appearing on watchlists.

Example: A beneficial owner of a corporate account is discovered to be linked to activities listed on an international sanctions database.

8. Persistent Negative Balance

The account remains overdrawn for an extended period without resolution.

Example: A negative balance caused by unpaid fees or charges is not cleared despite repeated notifications.

• Notification: You will receive an email explaining the reason for the account closure and any required next steps.

• Final Transactions: Any remaining funds in the account will be returned to a verified bank account after outstanding fees or liabilities are deducted.

• Irrevocable Decision: Account closures are final and cannot be appealed.

Metropolitan is committed to maintaining a secure and compliant financial ecosystem. Account cancellations are always undertaken in accordance with our terms and conditions and relevant regulations.

In accordance with European banking regulations, Metropolitan must carry out routine technical checks on customer accounts. As a regulated institution, this helps us ensure that the funds held in your Metropolitan account are kept safe and secure.

The majority of the time, these checks are done very quickly, without you being able to see them. On occasion, this may take a longer time, during which your account may be temporarily unavailable to you.

This process is overseen by a dedicated team specialized in conducting technical reviews of this nature, who work diligently to minimize any disruption. For this reason, our Metropolitan CRM team is unable to provide further information on your account or expedite the process.

Please be patient with us as we complete the steps, and our team will contact you proactively once the technical review process is complete.

We’re sorry to see that you want to close your Metropolitan account. We’d love to keep you as a customer — tell us what we can do better!

If you’ve decided to permanently close your Metropolitan account, here’s what to do:

1. Ensure that you have no outstanding payments with us and that your account balance is above €0. If you have any pending payments or your account balance is negative, please top up your account. If there are remaining funds in your Metropolitan account, transfer them to another bank account.Contact us (see how to contact Metropolitan)

2. Destroy your Metropolitan card. For example, by cutting it up with scissors. You should cut the chip embedded into your card and the magnetic stripe on the back of your card, then dispose of the parts separately.

Still having trouble closing your account?

If you’re unable to log in to your Metropolitan account to ensure fist point is done, please email crm@mgf.gi) from your registered email. You must include in your mail

• A declaration requesting the closure of your Metropolitan account on a specific date, or “as soon as possible”

• Your full legal name

• The IBAN of your Metropolitan account

• If you have funds remaining in your main, we’ll also need an IBAN of another bank account to transfer your remaining balance.

If you believe your account may be compromised, first change your password, then contact our CRM team by emailing crm@mgf.gi

If you’d rather speak on the phone, you can request this during the chat. We’ll arrange a callback within the hour so we can discuss the matter further with you.

In addition to our legal obligations for fraud prevention, and in order to continually improve our security safeguards, we have a dedicated team who analyzes each fraud case individually.

Finally, if you have evidence or strong feelings that the account might have been hacked, we recommend that you file a police report as well.

Our CRM team are available every day from 09:00-19:00 including Sundays and bank holidays.

If you do not have access to your Metropolitan mobile app or your Metropolitan web app, you can also contact by calling us at +350 5409052

At Metropolitan Global Finance Limited, we are dedicated to simplifying and securing your financial journey. Whether you’re an individual seeking personal financial management solutions or a business striving to optimize operations, we ensure a seamless onboarding experience backed by the highest standards of compliance and professionalism.

From the moment you begin the onboarding process, our team is committed to supporting you at every step. We understand that each client has unique needs, so we’ve designed a streamlined system that balances efficiency, transparency, and security. By adhering to international compliance regulations, we safeguard your interests while paving the way for long-term financial success.

At Metropolitan Global Finance, we take a rigorous approach to ensuring that all our clients meet the highest standards of compliance. As part of our commitment to regulatory excellence, we assess the risk associated with each country where our clients are based. Due to these factors, we do not onboard clients from regions that are outside of our risk appetite or are on the Financial Action Task Force (FATF) Black or Grey Lists, as they pose higher regulatory, legal, and financial risks. Our goal is to protect our clients and the integrity of our operations, which is why we adhere strictly to these standards.

To get started, clients are required to download our dedicated app, available on both the Google Play Store and Apple App Store.

Our onboarding process is entirely paperless, designed to be fully electronic for your convenience and to support environmental sustainability. Through the app and Web app, you can securely upload documents, complete identity verification, and receive real-time updates on your application status—all from the comfort of your device. This ensures a fast, efficient, and eco-friendly onboarding experience

At Metropolitan Global Finance, we recognize the vital role introducers play in connecting new clients to our services. To ensure a seamless partnership, we have designed an onboarding process specifically tailored for introducers, aligning with our standards of transparency, efficiency, and compliance.

To be part of Metropolitan as an Introducer, it is necessary to become our client, with special conditions applied.

Once approved, Introducers will receive a welcome package, including a unique Introducer ID, access to our client referral portal, and several Referral Codes for your customers. These codes will provide them with better conditions as Metropolitan clients and benefits for you as an Introducer

What Introducers Should Know About Client Onboarding

Introducers play a critical role in guiding clients through the onboarding process. You can see all necessary information in FAQ 21-25: On boarding process For Individual Clients and On boarding process For Corporate Clients

Introducers must also ensure that clients understand the importance of submitting accurate and complete documentation promptly to avoid delays in their onboarding process.

Ready to Join?
Become an introducer today and partner with Metropolitan Global Finance to help clients achieve their financial goals

Our individual onboarding process combines ease of use with stringent security measures to provide a trusted financial platform for personal use.

Step 1: Account Registration

• Start by entering basic details, such as your full name, date of birth, nationality, and fiscal residence.

• Indicate the purpose of your financial activities to help us understand and serve your needs better.

Step 2: Verification and Activation

• Your documents undergo a secure electronic ID verification process.

• Once verified, you will receive a notification confirming approval, along with instructions to finalize the account by completing any required fee payments.

Step 3: Submit Your Documents

To ensure compliance with regulatory requirements, we request the following documentation:

• Identification: A valid government-issued ID, such as a passport or national identity card, to verify your identity.

• Proof of Address: A utility bill, tax return, or other official document showing your fiscal residence.

• Source of Funds Evidence: Supporting documents that clarify the origin of your funds, including:

  • Employment contracts or salary slips.

  • Bank statements indicating savings.

  • Legal documents for inheritance.

  • Sale agreements for real estate or property transactions.

For high-risk clients, such as politically exposed persons (PEPs), we conduct enhanced due diligence procedures to ensure full compliance with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.

If any additional documents are required, we will contact you through our app and web app to request the necessary information.

At Metropolitan Global Limited Finance, we value the relationships fostered by our network of trusted Introducers. Clients who sign up using an Introducer’s referral code will receive one month of free monthly fees as part of our onboarding appreciation program. This initiative rewards both our Introducers and their referred clients, ensuring a seamless and mutually beneficial experience. If you’ve been referred, simply input the provided referral code during the onboarding process to unlock this exclusive benefit.

We understand the unique needs of businesses and provide a comprehensive onboarding process that ensures compliance with international regulations while addressing industry-specific challenges.

Step 1: Provide Company Details

Submit detailed company information, including:

• Registered name and address of the business.

• Business activity sector (e.g., financial services, real estate, commodity trading, etc).

• Any countries of operation or transactions.

Companies in high-risk sectors—such as financial intermediaries, precious metals trading, or real estate—will require additional checks and enhanced compliance measures.

Step 2: Representative Information

Provide details of the individual authorized to represent the company (ONLY LEGAL REPRESENTATIVE), including:

• A valid government-issued ID for identity verification.

• Proof of the representative’s address.

• Evidence of their authority to act on behalf of the company (e.g., a board resolution or authorization letter).

Step 3: Ultimate Beneficial Owner (UBO) Screening

We screen all Ultimate Beneficial Owners (UBOs) holding 25% or more ownership in the company to comply with global AML and CTF standards.

Required Documents for UBOs:

• Identification: Passport or national ID for identity verification.

• Proof of Ownership: Official documents such as shareholder agreements, company registry extracts, or equity certificates.

• Proof of Address: A recent utility bill, tax return, or similar document.

• Additional Documentation for High-Risk UBOs: This may include a detailed business activity description, bank statements, or contracts to substantiate the legitimacy of funds and operations.

Step 4: Submit Company Documents

Corporate clients are required to provide the following:

• Certificate of Incorporation: Or an equivalent registration document to confirm the company’s legal status.

• Proof of Business Address: Recent utility bills, lease agreements, or other documentation verifying the location of operations.

• Activity Proof: Contracts, invoices, or tax filings that validate the nature of the company’s activities.

• Expected incoming funds: Information about the anticipated amount of income from the above sources, and the countries from which you receive the funds.

Step 5: Verification and Activation

All submitted documents undergo a robust electronic and manual review process to ensure accuracy and authenticity.

Once verification is complete, the company representative is notified and guided to select an account plan. The onboarding process is finalized with any applicable fee payments.

If any other document will be necessary, we will contact you through our app and web app to request additional information

At Metropolitan Global Limited Finance, we value the relationships fostered by our network of trusted introducers. Clients who sign up using an introducer’s “referral code” will receive one month of free fees as part of our onboarding appreciation program. This initiative rewards both our introducers and their referred clients, ensuring a seamless and mutually beneficial experience. If you’ve been referred, simply input the provided referral code during the onboarding process to unlock this exclusive benefit.

You can open your account if you meet our requirements. Our products and services vary by country.

You can open an account in the app (on your smartphone) if you:

• are at least 18 years old

• are a resident of a supported country

• own a compatible smartphone

• hold a supported ID

• don’t already have an account with us

• are able to verify yourself in one of our supported languages: English or Spanish.

• Make sure to provide a valid Tax ID

Please note that as we continually strive to simplify the account opening process, the order listed here might change:

• Verify Your Details: Confirm your email and personal information.

• Choose Your Account Type: Select between a personal or business account.

• Prove your identity: Complete the identity verification process to secure your account.

• Add Funds: New signups can top up their account via Bank Transfer

You’re all set! Begin using your new Metropolitan account right away.

Metropolitan offers accounts in countries that meet regulatory and risk standards. If a country isn’t listed below, it’s outside our risk appetite or on the Financial Action Task Force (FATF) Black or Grey Lists. These countries pose higher financial and legal risks, and we prioritize protecting our clients and operations.
Countries we serve:
Afghanistan (*), Albania (*), Algeria, Andorra, Angola (*), Anguilla, Antigua and Barbuda (*), Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas (*), Bangladesh (*), Barbados, Belgium, Belize (*), Benin (*), Bermuda, Bhutan, Bolivia (*), Bosnia-Herzegovina (*), Botswana, Bouvet Island, Brazil, Brunei, Bulgaria (*), Burkina Faso, Burundi (*), Cambodia (*), Cameroon (*), Canary Islands, Cape Verde, Cayman Islands (*), Central African Republic, Chad, Chile, China, Christmas Island, Cocos Islands, Colombia (*), Comoros, Congo, Cook Islands, Costa Rica, Croatia (*), Curaçao, Cyprus (*), Czech Republic, Democratic Republic of Congo, Djibouti, Dominica, Dominican Republic, Ecuador (*), Egypt (*), El Salvador (*), Equatorial Guinea, Estonia, Ethiopia (*), Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, Gabon, Gambia, Georgia (*), Germany, Ghana (*), Gibraltar, Greece, Guadeloupe, Guam, Guatemala (*), Guernsey, Guinea-Bissau (*), Guyana, Haiti, Honduras (*), Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Ivory Coast, Jamaica (*), Japan, Jersey, Kenya, Kiribati, Kosovo, Kuwait (*), Kyrgyzstan (*), Lebanon (*), Lesotho, Liberia (*), Libya (removed), Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi (*), Malaysia, Maldives, Mali, Malta, Martinique, Mauritania, Mauritius (*), Mayotte, Mexico (*), Micronesia, Moldova, Monaco (*), Mongolia, Montserrat, Morocco (*), Montenegro, Mozambique (*), Namibia, Nauru, Nepal, Netherlands, Netherlands Antilles, New Caledonia, New Zealand, Nicaragua, Niger (*), Nigeria (*), North Macedonia, Norway, Oman, Pakistan (*), Palau, Panama, Papua New Guinea, Paraguay (*), Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Saint Barthelemy (*), Saint Helena (*), Saint Kitts and Nevis (*), Saint Lucia (*), Saint Pierre and Miquelon (*), Saint Vincent/Grenadines, San Marino (*), Saudi Arabia, Senegal (*), Serbia (*), Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands (*), South Africa (*), South Georgia and the Sandwich Islands (*), South Korea, Spain, Sri Lanka (*), Sweden, Switzerland, Taiwan, Tanzania, Thailand, Timor-Leste, Togo(*), Trinidad and Tobago (*), Tunisia (*), Turkey (*), Ukraine (*), United Arab Emirates (*), United Kingdom, Uruguay, Uzbekistan (*), Vietnam, Virgin Island (UK), Zambia, Zimbabwe (*).

Note: Countries marked with an asterisk (*) indicate that, due to regulatory requirements, we may request supplementary information or documentation for transactions to or from these jurisdictions. This is a standard compliance measure and does not mean that your transaction will be declined. Our team is available to support you with any additional steps, ensuring a seamless and secure experience.

Countries not listed are either outside our risk appetite or on the Financial Action Task Force (FATF) Black or Grey Lists. To protect our clients and maintain operational integrity, we strictly adhere to these standards

As an electronic money institution, Metropolitan follows strict industry standards to verify the identity of its customers. The verification process includes two methods: photo verification and video verification.

For photo verification, you will be asked to provide a selfie with your ID document. To ensure success, make sure the photo is clear, taken in good lighting, and with a good quality camera. Your ID must be original, unaltered, and fully visible.

For video verification, ensure a clear connection with a good camera, bright lighting, and a stable internet connection. You will also need to be the only person in the video.

Additionally, Metropolitan is required to collect information for the Common Reporting Standard (CRS), which is a global standard developed by the OECD to combat tax evasion. We need to know your tax residency and taxpayer identification numbers (TIN) to comply with reporting requirements. You will be asked for your TIN for each country where you are a tax resident.

If you do not provide the required documents and information by the specified deadline, you will not be able to start using your Metropolitan account. We encourage you to complete this process to fully benefit from our services.

We invite you to complete the operation as soon as possible, so that you can continue to have full access to all the features of your Metropolitan account.

If the information is not updated within a reasonable period of time, Metropolitan will be obliged to refrain from continuing the contractual relationship with the customer.

After the first 60 days, you will still be able to complete the questionnaire, but we will be forced to temporarily limit certain features of your account.

You will find more information in our privacy policy.

As a fully-licensed electronic money institution in Gibraltar, Metropolitan is legally obliged to comply with the customer due diligence obligations set out under The Proceeds of Crime Act 2015 (POCA) and the Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) Regulations 2018. This includes the obligation to keep customer information up-to-date at all times, as well as to consider any specific information arising from the professional or financial circumstances of a customer, to assess potential risks.

We kindly ask for your understanding that we can only fulfil our regulatory obligations under these laws, which require periodic reviews of customer information to ensure that certain details remain accurate and current. These obligations also apply to all customers, meaning that as part of the customer due diligence process, we are required to regularly update and assess the information we hold on record. This includes reviewing changes such as a change of residence or professional activity, which may impact the customer’s risk profile.

As part of our due diligence responsibilities, Metropolitan is required to ensure that customer information is maintained accurately throughout the duration of the business relationship, and to review any changes to your personal, professional, or financial circumstances to mitigate risks and ensure compliance with Gibraltar’s legal framework for the prevention of money laundering and terrorist financing.