The business bank account built for the self-employed

For sole traders and limited companies with up to two owners (only one owner can access the account). Accounts come with a main account balance limit of £1 million.

What is Mettle?

Mettle is a mobile-based business account, backed by NatWest.

We provide small business owners with features to manage their business finances on the go.

See all Mettle's features here

Our features

Be tax confident

Keep track of how much tax you’re likely to owe by using our tax calculation*, backed by FreeAgent, so there are no surprises.

Learn more about Tax calculation here

Get FreeAgent included

Connect FreeAgent accounting software with your Mettle account to get a complete view of your finances and manage your tax obligations.**

Find out more here

*You will need to be connected to FreeAgent for the tax calculation to be accurate. Mettle is for sole traders and limited companies with up to two owners (only one owner can access the account). **To get FreeAgent included, all you have to do is 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. Optional add-ons may be chargeable.

Get paid faster

Get an overview of the money coming in, the status of your invoices and chase payments with automated reminders.

Learn more about getting paid faster

Save for the future

Use Pots to automatically set aside a percentage of your income or schedule a regular amount to save.

Or boost your money with an interest bearing Savings pot***.

Discover Pots and savings here

***Only savings pots can earn interest. You can only have one savings pot. It has a maximum balance of £1m. The interest rates may change to reflect the savings market. Interest is calculated daily and will be paid out monthly. Any positive change in interest will be notified within 30 days, any negative change in interest will be notified at least 60 days before. Read the full Mettle business account T&Cs here.

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.

Key considerations

You must be a sole trader or limited company with up to two owners
You must be a UK-based company with owners who are UK tax residents
You can't exceed your main account balance limit of £1 million
You can’t deposit or pay with cheques
We don’t provide overdrafts for our accounts
We don’t offer government backed loans

Open account

Check eligibility

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)

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.

Frequently asked questions

Is Mettle free?

You can open a Mettle account for free and we don't charge any transaction fees. There are optional paid-for features in app as part of our Mettle+ subscription.

Read less

Can I add cash to my account?

Yes. You can deposit cash by generating a barcode in-app and then presenting this to a Post Office branch to deposit cash.

You can add between £10 and £500 at any one time. There is a daily deposit limit of £500, and an annual limit of £23k.

You can find out more on our FAQs page.

Read less

Are there account limits?

Yes, there are limits on your account balance. Your main account balance limit is £1 million for both sole traders and limited companies. This is in addition to a further £1 million you can hold in a savings pot and £100k across your regular pots. This is a total of £2.1 million.

Find out about our account limits on our FAQs.

Read less

How is my money protected?

The Mettle bank account is provided by National Westminster Bank plc trading as Mettle. Eligible customer deposits held with National Westminster Bank plc are protected under the UK’s deposit guarantee scheme, the Financial Services Compensation Scheme (FSCS).

Deposit protection means that if an eligible customer's bank fails or it is likely to fail, the FSCS will automatically pay an eligible customer the value of their deposit up to the deposit protection limit. The deposit protection limit is £85k per eligible customer, per eligible bank. This means the limit applies to all the accounts an eligible customer has with a bank and not to each account the customer has with that bank.

Find out more at on our FAQs page.

Read less

Is this a NatWest account?

Mettle is part of the NatWest Group. The Mettle bank account is a NatWest bank account. However, although Mettle operates as a brand of NatWest, you won't be able to access NatWest products or services with your Mettle account.

Read less

How do I contact your support team?

The best way to contact us is through our in-app chat. Just tap 'Get help' on the Account tab and one of our team will be happy to help.

Alternatively, you can email us on support@mettle.co.uk or call 0800 0987 765. For anything press related please contact: press@mettle.co.uk. Our support hours: Monday – Friday 8am to 8pm Saturday and Sunday (and Bank Holidays) 9am to 5pm

Read less