Simple banking for the self-employed
Power up what you do with the free business bank account backed 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.

Mettle is free

Seriously, it’s 100% free
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 £85,000

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
All you need to manage your business accounts and tax obligations 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 £85,000.