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Mettle is the free mobile business account that helps you start, run and grow. It's built for small businesses, limited companies and sole traders with UK residency.

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 www.mettle.co.uk

What’s New

Version 2.46

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
5.4K Ratings

5.4K 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.

CarlosJackal ,

Not built for startups, jumping on the challenger bandwagon

Response from Mette to me said “ Thanks for your feedback. We're always looking at ways to make running your business easier. That's why we're working hard to introduce new features such as international payments and shared access shortly. If you have any other suggestions, we'd be keen to hear them. If you'd like to discuss your query further then please do contact us”

Nice as that is it does seem a canned response or scripted, which is ok as I’ve run CS teams before so I know the draw. I reiterate my comment earlier that there are better banks out there for startups, Mettle aren’t ready for that. Perhaps one day, if the planets align and the parent company decrees it acceptable. For now my custom has already gone elsewhere.

Seems simple enough, good workflow on the application that follows pretty standard fintech process - though I found Starling a better app and they are regulated. The free freeagent seemed a good deal but with limited support through Mettle for businesses starting out (as in they can’t do it) then choose another bank and perhaps pick up Wave and not freeagent (RBS owned after all). If it works for you go for it, support seems responsive but if you are building something and want to scale and grow go elsewhere - there are better options.

Developer Response ,

Thanks for your feedback. We're always looking at ways to make running your business easier. That's why we're working hard to introduce new features such as international payments and shared access shortly.

If you have any other suggestions, we'd be keen to hear them. If you'd like to discuss your query further then please do contact us at support@mettle.co.uk. Thanks

rmz car sales ,

Rmz Car Sales

I hardly give reviews as I’m very busy, HOWEVER I needed a business bank account literally within days, I had my questions answered with in minutes, always friendly automated responses, what awesome features on the business banking app, user friendly, efficient literally 10/10!!!!

Again, I don’t give reviews so please take this with real depth, by far the best business banking I’ve come across, and I having banking with high street banks in UK and abroad. Well done.

Developer Response ,

Hi there, thank you so much for sharing this feedback. We really appreciate your time and we're glad to hear you've had such a positive experience with Mettle.

We'd love to hear more from you so if you have any feature ideas or what you'd like to see more of, please drop us a line at support@mettle.co.uk or message us directly in the app.

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 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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  • Family Sharing

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

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