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Mettle reviews

Mettle logo
Rated Excellent • 4.90/5

Mettle reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 7 days

What is this award?

The British bank awards recognise outstanding UK financial services providers based entirely on customer feedback.  Winners are determined through verified customer reviews and must meet minimum participation thresholds, ensuring recognition reflects genuine customer experiences.

This company has won:

  • Best business banking provider 2025
See all awards Mettle have won
British bank awards winner
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Review summary

People rate this company as Excellent based on 2,619 product reviews

Average score of 4.90/5
5 star
93%
4 star
6%
3 star
0%
2 star
0%
1 star
1%
Reviews for Mettle have trended positively over the past 90 days

Mettle’s Business Banking app is loved for its simplicity, free access to FreeAgent accounting software, and excellent customer service that’s quick and helpful. Users appreciate the easy invoicing, money pots for budgeting, and smooth integration with accounting tools. However, some find the lack of international payments, transfer limits, and occasional account switching issues frustrating.

Positive themes

  • Mettle’s Business Banking app is super easy to use and makes managing finances a breeze.
  • FreeAgent accounting software included with Mettle is a massive help for business bookkeeping.
  • Mettle’s customer service is friendly and quick to respond whenever help is needed.

Negative themes

  • Mettle lacks international payment options which is a real pain for some businesses.
  • The £10k transfer limit can be frustrating for businesses needing to pay large bills.
  • Account switching caused issues with missed payments and direct debit changes.
Summarised by AI
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About Mettle

Mettle is the free digital business account by NatWest. It's built for small businesses, side hustlers, startups and freelancers to help them start, run and grow. Mettle gives you the tools to stay on top of your books, create and send invoices and manage your day-to-day transactions, all from your phone. Already got Mettle? Why not leave a review and let others know about your experience.

Mettle at a glance

Reviews for Mettle

Showing 11 of 2619 company reviews • Last reviewed within 7 days

Very quick and easy to set up, which made life so mu...

Business Banking • 8th February 2026

Very quick and easy to set up, which made life so much easier as a small business owner! Reporting is always accurate and customer service... Very quick and easy to set up, which made life so much easier as a small business owner! Reporting is always accurate and customer service is friendly and very responsive. The app is always quick and simple to use, and the general support/updates we receive are really informative and help us stay on top of relevant financial news. Read more Read less

{"display":"Emily B","full_name":"Emily B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Good Banking

Business Banking • 8th February 2026

Mettle does everything that I need from a Bank, what more can anyone want?

{"display":"Adam CS","full_name":"Adam CS","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Good • 4/5
Read more product reviews
  • 5/5

    Really simple to use and love the pots

    Really simple to use and the pots are so helpful in managing my business finances

    {"display":"Irene","full_name":"Irene","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Irene 7th February 2026
  • 5/5

    STRAIGHT FORWARD ACCOUNT

    EASY TO OPEN AN ACCOUNT, EASY TO USE.

    {"display":"DBB","full_name":"DBB","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    DBB 6th February 2026
  • 5/5

    Feels very secure

    I’ve loved using the mettle app. It’s easy to use, feels very secure and easy to download statements to send to the accountant. I would... I’ve loved using the mettle app. It’s easy to use, feels very secure and easy to download statements to send to the accountant. I would highly recommend using mettle to anyone- especially in business. Read more Read less

    {"display":"Jo k","full_name":"Jo k","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Jo k 6th February 2026
  • 5/5

    Makes self-employment so much easier.

    Mettle has made having a business account for me as a self-employed therapist affordable and practical, and it helps me stay on top of my... Mettle has made having a business account for me as a self-employed therapist affordable and practical, and it helps me stay on top of my business finances and accounts. Tax self-assessments are much easier too. Read more Read less

    {"display":"Jessica RB","full_name":"Jessica RB","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Jessica RB 6th February 2026
  • 5/5

    Really happy with the products and service from Mett...

    Really happy with the products and service from Mettle over the last few years. Easy to use and always respond promptly to the odd issue i may have had.

    {"display":"Gareth A","full_name":"Gareth A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Gareth A 5th February 2026
  • 5/5

    I’ve only been with Mettle a few months but am very...

    I’ve only been with Mettle a few months but am very happy with the service provided.The account was recommended by my accountant to enable me... I’ve only been with Mettle a few months but am very happy with the service provided.The account was recommended by my accountant to enable me to keep up with HMRC’s new making tax digital rules when they eventually come into force Read more Read less

    {"display":"Philip C","full_name":"Philip C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Philip C 5th February 2026
  • 5/5

    No problems in the 3-4 yrs I’ve been using mettle

    I’ve used mettle for my business for around 3-4 years now and never had a problem it’s been great

    {"display":"Caroline f","full_name":"Caroline f","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Caroline f 5th February 2026
  • 3/5

    Not helping small businesses manage cashflow

    Mettle Business Bank is good for small business owners, but the important feature that you would expect from any modern online bank are just not... Mettle Business Bank is good for small business owners, but the important feature that you would expect from any modern online bank are just not available yet including notifications on direct debits (i.e. the day before). There isn't a calendar of when your direct debits are due - only the date the direct debit payment was set up. For a small business owner, where cashflow is essential, this is a really important part of managing finances. Mettle customer service have said this may be coming in the future, but this feature is not available yet. Read more Read less

    {"display":"Sarah D","full_name":"Sarah D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Sarah D 5th February 2026
  • 5/5

    Great app based business banking

    I have used Mettle for over 2 years now. The app is easy to navigate and integrates well with FreeAgent which helps in staying on... I have used Mettle for over 2 years now. The app is easy to navigate and integrates well with FreeAgent which helps in staying on top of business finances. It is easy to categorise transactions and schedule payments. Read more Read less

    {"display":"FH","full_name":"FH","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    FH 5th February 2026

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