Mettle business account 4+

Apply in minutes – by NatWest

Mettle Ventures Limited

    • Free

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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).

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. 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

What’s New

Version 2.66.0

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

You can now set up automatic payments into your Money Pots, making it easier to put money aside for tax or to save for business costs

You no longer have to re-authenticate your access to Account Information Service Providers in your app. You can now reconfirm your consent directly with them every 90 days

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

Ratings and Reviews

4.9 out of 5
14.8K Ratings

14.8K Ratings

DorsetMarkn ,

Superb service so far.

I’ve just opened my account and have had two very positive experiences so far. The first was after opening the account, I linked it to my FreeAgent account. FreeAgent recognised me straight away and because I’ve just paid my subscription for this year, told me I would get a refund. That was Saturday, Monday morning I had a notification saying that £146 had been paid into my account for the remaining 11 months of the subscription - Monday Win!!
The other positive was after phoning this morning with an issue that had reared its head after trying to update my debit debit with the HMRC, the person who dealt with me (Billie) couldn’t have been more helpful and got my issue sorted out very quickly.
The only thing stopping me closing my old business account now is the lack of being able to send and receive international payments. Hopefully, this is something that Mettle are working on.
I’m looking forward to a great relationship with Mettle.

Developer Response ,

Thank you so much for sharing your feedback. It's great to hear you're making use of FreeAgent in your Mettle account and you're pleased with your customer service experience, we’ve passed your feedback onto their manager.
Currently, we're looking into international payments. If you have any other suggestions on how we could make Mettle even better, please contact us at

B Roy Chaudhary ,

Excellent app 4 small business - highly recommended

Can’t praise this app enough. Run a small business. The app is very useful and intuitive. The mettle account comes with Apple Pay integration which none of the big 5-6 banks seem to be offering to business customers. To save having to carry card around everywhere. iPhone suffices. Also comes with freeagent accounting and so saves me a lot of time being able to categorise transactions of the freeagent app on the go. Highly highly recommended. Also notification pops up every time you use the app to ask for receipt upload and transaction categorisation at the time and this is also very useful.

Developer Response ,

Thanks for taking the time to leave this review. We're pleased to hear you're enjoying the features of your Mettle account.

We love hearing your feedback, so please drop us a line at if you have any feature ideas of what you would like to see more of from Mettle.

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.

App Privacy

The developer, Mettle Ventures Limited, 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

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