Is Mettle, owned by Natwest, the right business account for your company?

We’ll explain the pros and cons of this App-based business account below to help you decide.

Mettle Business Account: My Verdict

Designed for sole traders and limited companies with up to two owners (access restricted to one owner), Mettle stands out for being perhaps the only completely free business bank account that I’ve reviewed. Unlike many challenger banks that offer free plans but charge for bolt-ons, Mettle doesn’t charge anything at all which is likely the principle appeal for many users.

It has a well-designed banking APP, customer support is available 7 days a week, and it’s a decent account if you’re a sole trader or single director limited company that needs basic banking functionality.

One useful feature I like is the free access to FreeAgent accounting software, as long as you make at least one transaction a month.

However, it is quite limited in some regards: you cannot make or receive international payments with your Mettle account, pay in cheques, or get branch support despite the link with Natwest. There’s also no phone banking.

What Features Do Mettle Offer?

Mettle offers its users a number of features, including:

  • Automatically save for tax with money pots, simplifying financial planning for tax liabilities.
  • Earn interest on balances starting from as little as £10 with a savings pot offering 1.46% AER / 1.45% Gross p.a. (variable).
  • FSCS protection ensures eligible funds are secure up to £85,000, offering peace of mind.
  • Customisable invoice templates enhance brand presentation and streamline billing processes.
  • Accounting software integration with FreeAgent is included at no extra cost for active users, or sync with Xero and QuickBooks.
  • Auto-match payments to invoices for efficient reconciliation and bookkeeping.
  • Easily categorise transactions to keep finances organised and transparent.
  • Upload receipts directly to transactions, maintaining accurate and up-to-date records.
  • Simplified bookkeeping features help stay on top of business admin by ticking off tasks as completed.
Customisable InvoicesSend professional invoices from your phone.
Accounting Software SyncConnects with FreeAgent, Xero, QuickBooks.
FreeAgent Included*Access FreeAgent with one transaction a month.
Interest on SavingsEarn 1.46% AER on savings pot from £10.
FSCS ProtectionDeposits protected up to £85,000.
Payment OptionsSupports Google and Apple Pay.
Money PotsAllocate funds for taxes and savings.
Auto-match Payments to InvoicesSimplifies bookkeeping.
Tax CalculationAutomated tax liability estimation.
Receipt UploadsUpdate records with receipt uploads.
Direct Debits and Standing OrdersManage regular payments.
Payment NotificationsInstant transaction updates.
Mettle on the WebManage finances online.
AFD TransactionsSupports Automated Fuel Dispenser transactions.
CHAPS PaymentsReceives high-value CHAPS payments.
Customer SupportIn-app

Mettle Bank Account Pros and Cons


  • Quick application process
  • Free to join and use
  • Issuing invoices is easy
  • App includes expense management functionality
  • Good integration with all major accountancy software providers
  • If you lose your card, it’s simple to free it from within the APP.


  • You can’t pay out more than £10,000 per day
  • No overdraft or credit card
  • No cheque deposits
  • No international payments

About Mettle Business Banking

Established in 2018, Mettle is Natwest’s attempt to rival the simplicity and low cost of the challenger banks. . Since its inception, Mettle has focused on providing tools that facilitate easy accountancy, bookkeeping, and financial planning, all accessible through an intuitive mobile app.

In 2023, Mettle enhanced its service by introducing a business bank account under the NatWest license. This addition marked a significant milestone, allowing Mettle to offer an FSCS-protected account complete with new functionalities, including interest-bearing savings pots launched in November 2023.

Under the leadership of CEO Michelle Prance, who joined the team in 2021 with a rich background in retail, commercial, and investment banking from various high-profile institutions, Mettle has continued to evolve. Prance’s expertise has furthered Mettle’s mission to simplify banking for the self-employed and small business sectors, traditionally underserved by conventional banks.

Eligibility Criteria

Before you apply for a Mattle account, it’s worth checking if your business meets their criteria below

  • Either a sole trader or a limited company with a maximum of two owners
  • Max 50k in the account for sole traders, Max £100k for comanies
  • UK Resident
  • You won’t need cheques, international transfers, or an overdraft (they’re not offered)
  • Have a UK phone number and an iOS or Android device 
  • You’ll need to be a UK tax resident only

Mettle Rates and Fees

Mettle business accounts are 100% free. Not only are there no monthly fees – you will not incur any transaction charges when using your account, nor any extra hidden fees.

Account NameMettle
Account Application FeeFree
Account ChargesFree
Bank transfersFree
Overseas card transaction feesNA
FSCS protectedNo
ATM Use (UK)Yes
Requires credit checkYes
Interest (AER)0% AER


Contact Mettle customer service on 0800 069 8380

Email Mettle on

Or simply use the in-app chat. Just tap ‘Get help’ on the Account screen.

Support hours:
Monday – Friday 8am to 8pm
Saturday and Sunday (and Bank Holidays) 9am to 5pm

Mettle Business Account Reviews and Ratings

Mettle has garnered a total of 3,540 reviews on Trustpilot, achieving an excellent TrustScore of 4.5 out of 5, which highlights its strong customer satisfaction and positive feedback from its users.

81% of Mettle users have awarded it a 5-star rating, praising its user experience and functionality. Here are some direct quotes from satisfied customers:

  • “Clean, simple and user-friendly.”
  • “So quick to set up and easy to use!”
  • “Easy user interface, simple and straightforward.”

Among the 8% of 1-star reviews from Mettle users on Trustpilot, several key points of dissatisfaction emerge:

  • “Business bank account not working for 11 days and no one from the bank is helping.”
  • “Non-existent customer service. My account was blocked from making all outgoing payments.”
  • “Disappointing Experience. Advised they will close my business bank account… provided no reason.”

Smart Money People rates it 4.59 out of 5 based on 56 reviews.

The Mettle App gets a 4.8 star rating out of 2000 reviews on Google Play.

Mettle gets 4.9 star rating out of 5 on the Apple Store, based on 10,200 reviews.

Review methodology

Mettle Business Bank Account FAQs

How to Pay in Money to a Mettle Account

Is Mettle a Proper Bank?

Can you Deposit Cash with Mettle?

How Long do Mettle Bank Transfers Take?

Is Mettle protected by FSCS?

Can I use my Mettle card Abroad?

Can you get an Overdraft with Mettle?

Can I have 2 Mettle Accounts?

Can I Use Mettle with Accounting Software?