Clear, easy to use app with good integration with FreeAgent. Does everything I need as single person limited company. I love the ease of receipt capture & categorisation - makes keeping up with expe... See more
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Review summary
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What people talk about most
Reviews shaping this summary
I've been using mettle since becoming self employed. It's super easy to use as a business account. You can set up pots for tax and national insurance etc, so no need to start sorting out individu... See more
Company replied
With all of the changes HMRC are doing making tax digital Finding mettle has made something that could of been a headache into something that anyone could do even with no prior knowledge like me so... See more
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Mettle is perfect for making pots for different expenses. It is easy to use and the help function is brilliant. It has connected seamlessly to Freeagent for MTD. Overall I am really pleased with this... See more
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Company details
- #10 of 48 best companies in Bank
About Mettle
Written by the company
Mettle is the free business bank account by NatWest that helps small businesses get paid faster and better manage their finances. It’s built for small businesses, startups, limited companies and sole traders.
Customers can apply for an account in minutes, create and send customised invoices and connect to accounting software to help keep track of their books. The account comes with a UK account number and sort code and an in-app chat feature so that customers can speak to real people when they need help.
Contact info
United Kingdom
- support@mettle.co.uk
- mettle.co.uk
4.7
Excellent
6K reviews
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easy to use love it
easy to use love it , just wish i could do international payments as a small business I do buy machinery abroad because it’s cheap cheaper
2 May 2026
Reply from Mettle
Hi there, thank you for taking the time to provide your feedback.
We're proud to see you are happy with Mettle and our services. Although international payments isn't something we support at the moment, this is something we hope to support in the future.
If you need any further support, feel free to reach out to us via your in-app chat.
A good phone app and good customer…
A good phone app and good customer services they are there when I have needed them
I struggle with the statement side and even though I have been using while it’s still a little complicated for me
2 May 2026
Reply from Mettle
Hi Robert, thank you for taking the time to provide your feedback.
We are pleased to see you're happy with Mettle and our services.
We're committed to making your statements process complication free for you, if you would like to discuss this further then please reach out to our support team via your in-app chat.
Constantly blocking payment instructions
Useful for the free FreeAgent integration but otherwise an infuriating bank to deal with as they frequently block outbound payments and debit card payments to legitimate businesses and for legitimate purposes.
If you need to make payments that are time sensitive, avoid - unless you like sitting on hold waiting to beg the bank for permission to use your own money. I don't have anywhere near as much friction with Virgin Money's business accounts.
1 May 2026
Unprompted review
Reply from Mettle
Hi Gareth, thank you for taking the time to provide this feedback.
We're sorry to hear about your experience with our services.
If you would like to discuss your experience further, please reach out to in-app chat service or you can email us on support@mettle.co.uk.
Mettle are the best banking services…
Mettle are the best banking services 100% better than other financial companies 5*
30 April 2026
Unprompted review
Reply from Mettle
Hi Kathryn, thank you for taking the time to provide this feedback.
We are proud to see how happy you are with Mettle and our services.
If you need any future support, feel free to reach out via your Mettle in-app chat.
Absolutely shocking-avoid at all costs
I was initially told my application would be processed within 20 days, so I waited patiently and planned my business accordingly. Once those 20 days passed, I contacted them only to be told there is now no timeframe whatsoever because they are “handling many applications”.
That is beyond unacceptable. If you do not have the staff or systems to process applications, you should stop taking them, not mislead customers and leave them hanging indefinitely. This is not a delay — it’s complete incompetence and a total lack of respect for customers’ time and livelihoods.
Do they seriously expect business owners to put their operations on hold indefinitely while they make excuses? The communication is vague, contradictory, and utterly unprofessional. There is zero accountability and zero transparency.
I have withdrawn my application today. This experience has been one of the worst examples of customer service I’ve encountered.
An absolute disaster of an organisation. Stay well clear of this bank if you value your time or your business.
30 April 2026
Unprompted review
Reply from Mettle
Hi Jayandhan, thank you for taking the time to provide this review and were sorry to hear your experience applying with Mettle has not met your expectations.
We are currently dealing with a high customer demand for applications and want to ensure we are providing a fair and accurate response to each application we review.
If you would like to discuss this further with us, please feel free to message us via our in-app chat or email us on support@mettle.co.uk.
Easy to use and help me get on running…
Easy to use and help me get on running my business
29 April 2026
Reply from Mettle
Thank you for the positive review. We're glad to hear you're having a positive experience with your Mettle account so far. Customer feedback is incredibly important to our team, so feel free to message us anytime at support@mettle.co.uk or via the app.
They market to say that you can open an…
They market to say that you can open an account with two owners but then later during application process they declined opening of account because of they deem my partner who is co owner of properly we own together as not a ‘owner’ Don’t waste your time with this so called bank
27 April 2026
Unprompted review
Reply from Mettle
Hi Riyaz, I can see that you have contacted us via the in app chat.
I am sorry that you are unhappy with the outcome of your application. Please see our eligibility criteria for more information here https://www.mettle.co.uk/eligibility/.
If you would like to discuss this further, please contact us via the in-app chat.
Reply from Mettle
Thank you for taking the time to share your feedback. It's great to hear that Mettle is working well for you right now. We value your input, so please reach out via in-app chat or at support@mettle.co.uk if you ever have more to share.
Unexplained Rejection from Mettle
I applied for a business account with Mettle and received a generic refusal stating they were “unable to support your business” after “careful consideration,” with no actual explanation.
They explicitly say the decision isn’t based on credit score, yet also say they can’t comment further. That leaves you with a blanket rejection and zero transparency about what failed or how to address it.
What makes this worse is that Mettle operates under NatWest a bank I already use personally. If I’m not considered suitable for a business account within the same group, then I see no reason to continue as a personal customer either.
I’ll be closing my personal account with NatWest and moving to a bank that actually wants my business.
27 April 2026
Unprompted review
Should be able to pay a standing order…
Should be able to pay a standing order to the same payee each month if due 2 different amount.
Should be able to access by more than 1 person.
25 April 2026
Reply from Mettle
Hi Debbie, thanks so much for taking the time to leave this review.
I have raised this as feedback for you going forward. If you have any further feedback or ideas, please drop us a line at support@mettle.co.uk or through the in-app chat.
New business bank account - great option
The application process is straightforward, it did however take a little while for my application to get approved BUT the communication and updates I received whilst I waited was fantastic! My account was approved, and I’m enjoying how easy the app is to use. I would definitely recommend it.
25 April 2026
Reply from Mettle
We appreciate you leaving a review and sharing your experience with us. Hearing how you use your Mettle account helps us keep improving the app.
If you have any further feedback or ideas, please drop us a line at support@mettle.co.uk or through the in-app chat.
Reply from Mettle
Thank you for the positive review. We're glad to hear you're having a positive experience with your Mettle account so far.
Customer feedback is incredibly important to our team, so feel free to message us anytime at support@mettle.co.uk or via the app.
Great service and once you mettle you…
Great service and once you mettle you wouldn’t change .
23 April 2026
Reply from Mettle
We really appreciate you taking the time to leave this review. It's fantastic to know you're having a great experience with Mettle!
We're always looking to improve, so feel free to drop us a message at support@mettle.co.uk or via the in-app chat.
Excellent app
22 April 2026
Reply from Mettle
Thank you for taking the time to share your feedback. It's great to hear that Mettle is working well for you right now.
Please don't hesitate to message us in-app or at support@mettle.co.uk if you ever have any feedback to share.
Love how you can categorise payments
Love how you can categorise payments, makes it very easy for accounting
22 April 2026
Reply from Mettle
Thanks for sharing your feedback with us. We're pleased that Mettle is meeting your needs.
We're always looking to learn from our customers, so please don't hesitate to reach out through in-app chat or at support@mettle.co.uk with any future feedback.
My son has a mettie account and has…
My son has a mettie account and has nothing but problems accessing his account to transfer money
It’s a disgrace not being able to get his money as I am now financing him until he can access his money
21 April 2026
Unprompted review
Reply from Mettle
Hi Mary, I am sorry for the inconvenience your son has experienced.
Please could you ask him to get in touch with us directly through our in-app chat or via email at support@mettle.co.uk so we can review this further?
Easy to use and does everything you…
Easy to use and does everything you need to do without too much flicking from screen to screen
20 April 2026
Reply from Mettle
Thank you for the positive review. We're glad to hear you're having a positive experience with your Mettle account so far.
Customer feedback is incredibly important to our team, so feel free to message us anytime at support@mettle.co.uk or via the app.
No headache just simplicity …
With all of the changes HMRC are doing making tax digital
Finding mettle has made something that could of been a headache into something that anyone could do even with no prior knowledge like me so I’m very grateful
20 April 2026
Reply from Mettle
We appreciate you leaving a review and sharing your experience with us. Hearing how you use your Mettle account helps us keep improving the app.
If you have any further feedback or ideas, please drop us a line at support@mettle.co.uk or through the in-app chat.
Mettle is perfect for making pots for…
Mettle is perfect for making pots for different expenses. It is easy to use and the help function is brilliant. It has connected seamlessly to Freeagent for MTD. Overall I am really pleased with this account.
20 April 2026
Reply from Mettle
We appreciate you sharing this review. It's awesome to know that you're getting so much value out of the pots!
We're always building new features, so let us know at support@mettle.co.uk if there's anything else you'd like to see.
Reply from Mettle
We appreciate you leaving a review and sharing your experience with us. Hearing how you use your Mettle account helps us keep improving the app.
If you have any further feedback or ideas, please drop us a line at support@mettle.co.uk or through the in-app chat.
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