Mettle business bank account

Voted Best Business Banking Provider at the British Bank Awards 2026.

Simple banking for the self-employed

Kickstart your business with a business bank account by NatWest. Easily manage your finances on the go, connect to accounting software, and earn interest on your savings with Mettle.

Mettle helps you to get and stay tax ready with automatic savings rules on money pots and an up-to-date view of how much tax you’re likely to owe with the Tax Calculation feature, powered by FreeAgent.

Making Tax Digital made simple

Ditch the paper piles and embrace digital record-keeping. Using spreadsheets or accounting software, like FreeAgent (included with a Mettle account), can significantly simplify your tax management and ensure you're MTD compliant.

Send and receive UK payments

UK account number and sort code

Support from real people when you need it

Eligible funds are protected by FSCS up to £120,000

We’re by NatWest

You'll have confidence knowing we're part of a trusted and regulated bank.

See if we’re a match

You’re a sole trader or a director of a 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

For full eligibility criteria head to mettle.co.uk/eligibility

Account features built around you

Make your money go further

With our savings pot you can earn interest on deposits from as little as £10 up to £1m.

*Only savings pots can earn interest. You can only have one savings pot.

Be tax confident

Bookkeeping has never been easier

Easily stay on top of your admin with a list of bookkeeping tasks you can mark off in the app as you complete them. You can categorise business transactions to reduce admin and minimise errors and export your data to share it with your accountant, in just a few steps.

Sync with accounting software

Manage your business accounts and tax obligations in one place by connecting Mettle with accounting packages like FreeAgent, Xero and Quickbooks. Easily sign up through the Mettle app and sync all your business transactions.

See how much tax you owe

Get an up-to-date view of how much tax you’re likely to owe and when you will need to pay it, with the Mettle Tax Calculation, powered by FreeAgent accounting software (you will need to be connected to FreeAgent for the tax calculation to be accurate).

Automatically put money aside with pots

Set rules to automatically set aside money from your main account balance so that you can plan and save for things like tax, new equipment or a rainy day. You can also set a savings goal for a specific amount you might be working towards.

Get paid faster

Invoicing on the go

Create, send and match invoices to payments from wherever you are. You can boost your brand with customisable invoices, and we’ll also notify you when money hits your account.

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 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

In-app support

Contact the Mettle team at any time for help from real people.

FSCS protected

Eligible funds are protected by FSCS up to £120,000.

Registered address: 250 Bishopsgate, London, United Kingdom, EC2M 4AA