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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).

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Trusted by more than 100,000 self-starters

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Easily manage your finances on the go. It's 100% free – seriously!

Get paid faster

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

Send invoices from wherever you are

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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.

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

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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

Be tax confident

Bookkeeping and day-to-day accounting made easier.

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

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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.

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

What else you'll get

By NatWest

Have confidence knowing we're part of a trusted and regulated bank

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)

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