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Is Mettle right for you?
You'll need to be a sole trader or a director of a limited company with up to two owners and have a balance of less than £100k (£50k for sole traders). To get FreeAgent for free, you’ll need to make at least one transaction a month from your Mettle account. If you fail to do this or you close your Mettle account and continue to use FreeAgent, you’ll be subject to FreeAgent fees.

Apply for a business account in minutes

• Mettle is free – seriously, it’s 100% free
• Send and receive payments
• UK account number and sort code
• Support from real people when you need it

Account features built around you

Make payments with Apple Pay
You can now make easy and secure purchases online, in-app and in-store using the Apple devices you use every day. Apple Pay is available on selected Apple devices. Retailer limits may apply

Get paid faster with invoicing on the go
Create and send invoices from wherever you are. We’ll notify you when money hits your account and match the payment to your invoice.

Get tax ready
Categorise business transactions to reduce admin and minimise errors. Export your data and share it with your accountant.

Sync with accounting software
Connect Mettle with accounting packages like FreeAgent, Xero and Quickbooks. Plus, get FreeAgent for free – a saving of at least £150 per year (based on FreeAgent’s lowest tariff). Easily sign up through the Mettle app and sync all your business transactions.

Put money aside with Pots
Set aside money from your main account so that you can plan and save for things like tax and new equipment.

Control your costs
Schedule payments on the go. Whether it’s a one-off transfer or paying a supplier, you can manage recurring payments directly from the app.

Make better decisions
See an overview of your cash flow any time. We’ll show you what’s coming in and what’s going out, so you can monitor your spending and income.

By NatWest
You'll have confidence knowing we're part of a trusted and regulated bank.

In-app support
Contact the Mettle team at any time for help from real people.

Keep your money safe
Your money is held in a ring-fenced account and you’re the only one with access.

We love hearing from you
We want to hear your thoughts and suggestions about new product features and feedback on how we can make Mettle even better.

Join us today www.mettle.co.uk

What’s New

Version 2.27.3

We’re always making changes and improving Mettle. Here are the latest updates:

- Bug fixes and performance enhancements

We love hearing your feedback, so please get in touch to let us know what features you like, and what you would like to see improved.

Ratings and Reviews

4.8 out of 5
1.2K Ratings

1.2K Ratings

Mattycc ,

Great customer support

I love this app. I’ve been using Mettle for about a year, and it makes it so easy to manage my business finances.

I generally don’t have much time for business admin, and I find the UK tax system quite frustrating. But this app makes it nice and easy to manage my money. I like being able to raise invoices, and have helpful reminders when they’re due – this has helped me to move away from clunky spreadsheets.

One thing that really stood-out to me was how easy it was to get started. Other banks that I’d spoken to about setting up an account, told me it could take up to 5 weeks. When I initially signed up for Mettle, I think I was up and running the same day. No messing around.

Also, the customer support people are really helpful, and they’re quick to respond. A few months ago I had a question about transferring money into my pension fund, and Nicola went out of her way to guide me through setting everything up correctly.

d4ftplum ,

Dual beneficial owner

I’ve been using Mettle for a while now to help run my food business and it’s an absolute life saver!

I struggled to find another digital-first bank that would let me sign up as my limited company has two beneficial owners. I onboarded with Mettle in minutes and haven’t looked back since.

I love the ability to add my expenses to transactions - it makes book keeping that much easier 😊

tttev ,

Waste of time

Complete waste of time. I had to withdraw the application. The were asking the same questions I was already answered when applied. It’s not rocket since. I’m an IT contractor who was working with an ltd company and now changing to sole trader due to IR35 rules. You wouldn’t like that I’m not gonna get paid in cash. Why should I ? IT contractor is not convenient store, it’s obviously an IT professional working for a company as contractor and not PAYE. It took me 5 min to open a business account for my Ltd with hsbc. I hoped to save some time by applying online through NatWest’s fintech but obviously they are not ready yet. They have more red tape than the high street branches. They need to ask themselves why they opened mettle. It’s not to offer the services all other fintechs offer for sure

Developer Response ,

Hi, thanks for your feedback. I'm sorry for the inconvenience and appreciate your frustration. I've reviewed your application and unfortunately I can't discuss further details of this here, so I've sent you an email with more detail.

App Privacy

The developer, Mettle Ventures Limited, has indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Search History
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


Mettle Ventures Limited
88.1 MB

Requires iOS 12.2 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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