The aim of the study is to inspect the factors determining the use of web 3.0 Meta based banking services. Diffusion of innovation theory has been used to explain the influence of perceived factors on attitude and behavioural intention to use the meta based banking services. Structured questionnaire as primary source of data collection has been applied and data gathered was analysed using structural equation model as statistical technique to achieve the stated objectives. SmartPLS as statistical tool was employed in analysing the data and the outcome reveal that compatibility, observability and trialability showed a significant impact on attitude towards usage intent of Web 3.0 based meta banking services. The study has proved to be significant in the field of banking on metaverse for various stake holders and policy makers and be helpful to understand the perception of the customers in the usage of web 3.0 based banking.