The bank account built for the self-employed

Mettle is for sole traders and limited companies with up to two owners (only one owner can access the account). You can have one Mettle account per person.

Open account

Check eligibility

New: Mettle+ could help you win more business

Just met a new client? You can now create and send quotes on the go and convert them to invoices in-app for £4 a month.

Find out more here

Mettle+ is an optional paid-for feature. You can cancel at any time. You'll need to be a Mettle customer to access Mettle+ which you can sign up for directly in the Mettle app.

Get paid faster

Manage your entire payment cycle – from creating an invoice to reconciliation.

Find out how to get paid faster

Send invoices from wherever you are

Send invoices from wherever you are

Create and send customised invoices on the go. See what’s been paid and what you’re owed within one click. You can even track payments and chase late payers – all from your phone.

Learn more about invoicing features

Get instant payment notifications

We'll notify you when money hits your account and match the payment to your invoice.

Auto-match payments to invoices

See if we're a match

You’re a sole trader or limited company with up to two owners
You have a balance limit of up to £1 million
You’re a UK-based company with owners that are UK tax residents

Open account

Check eligibility

Be tax confident

Bookkeeping and day-to-day accounting made easier.

Find out how to be tax confident

Get FreeAgent accounting software included with Mettle and save at least £150 per year*

Learn more about the FreeAgent integration

Based on FreeAgent's lowest tariff. To get FreeAgent included, you have to make at least one transaction a month from your Mettle account. If you don’t make one transaction a month, or if your Mettle account is closed and you continue to use FreeAgent then the FreeAgent fees will apply. FreeAgent has optional paid-for features.

See what tax you're likely to owe

Get a running total of how much tax you owe and when you need to pay it in the Mettle app, powered by FreeAgent.

It’ll help you stay on top of your tax all year round and avoid surprise tax bills.

Find out how

Automatically save for tax

Easily put money aside from your main account into a Tax Pot. You can also set up a Scheduled Saver to save for business costs or new equipment.

Find out more here

Get tax tips and guidance in our tax hub

By NatWest

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Help from real people

Our team is here to support you whenever you need it.

Safe and secure

Eligible funds protected up to £85,000 by the Financial Services Compensation Scheme (FSCS)

Mettle can close your account if you behave in an offensive, threatening or violent manner, which includes any racist or other discriminatory conduct, towards staff. See the T&Cs for more information.