Paid advertisement
Smart Money People Logo
Newsletter
Share this page

Mettle by NatWest reviews

Mettle logo
Rated Excellent • 4.81/5

Mettle by NatWest reviews

Verified business Last reviewed within 14 days British bank awards winner
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • On-line application and approval process
    On-line application and approval process
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Provides paperless statements and documents
    Provides paperless statements and documents

Review summary

People rate this company as Excellent based on 4,595 product reviews

Average score of 4.81/5
5 star
94%
4 star
5%
3 star
0%
2 star
0%
1 star
1%
Reviews for Mettle by NatWest have trended negatively over the past 90 days

Mettle by NatWest nails it with a simple, user-friendly app that makes business banking a breeze, especially for small businesses and sole traders. The free integration with FreeAgent accounting software is a real lifesaver for managing invoices and tax. Customer service is quick, helpful, and genuinely caring. On the downside, some find the lack of international payments and the £10k transfer limit frustrating, while a few have had serious issues with account freezes and slow problem resolution. Overall, it’s a solid choice if you mainly trade in the UK and want hassle-free banking.

Positive themes

  • Mettle by NatWest’s app is super easy to use and keeps business banking simple. (60 mentions)
  • FreeAgent integration with Mettle by NatWest makes accounting and tax a doddle. (15 mentions)
  • Customer service at Mettle by NatWest is quick to respond and genuinely helpful. (24 mentions)

Negative themes

  • Some users faced serious account freezes and poor problem resolution at Mettle. (5 mentions)
Summarised by AI
Was this helpful?

About Mettle by NatWest

Mettle by NatWest is the free digital business account. It's built for small businesses, side hustlers, startups and freelancers to help them start, run and grow.

Mettle by NatWest 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 by NatWest? Why not leave a review and let others know about your experience.

Mettle by NatWest at a glance

Contact details

Phone
0800 0987 765
Email
[email protected]
Social media

Reviews for Mettle by NatWest

Showing 11 of 4595 company reviews • Last reviewed within 14 days

Avoid this bank. Horrible management and chaos.

Business banking • 2nd November 2026

Over and over they asked me same questions which I provided. They literally blocked my account and asked again same questions. I provided. They lifted... Over and over they asked me same questions which I provided. They literally blocked my account and asked again same questions. I provided. They lifted ban and aparently they again sent some queries. I was outside of UK and when I came back I realised my business account is permanently closed. My husband had same account and they didnt ask him to provide taxes as they asked me. This is worst bank I have ever dealth with. Avoid this bank. Horrible management and chaos. Read more Read less

Rated Terrible • 1.00/5
Read more product reviews

Very happy with Mettle business account.

Business banking • 8th October 2026

Very happy with Mettle business account. The app makes banking operations very easy and integration with FreeAgent accouning software is excellent.

Rated Excellent • 5.00/5
Read more product reviews
  • 1.00/5

    Lost my money. Couldn't tell me how.

    Mettle lost £5k of my money in their system, and despite me giving them all of the relevant tracking numbers and instruction ID, they could... Mettle lost £5k of my money in their system, and despite me giving them all of the relevant tracking numbers and instruction ID, they could not tell me where my money was. They simply claimed "it's in our system and we don't know why it's not in your account". A week after raising this with them and I still don't have my money. Customer service and communication on the matter has been poor, and no explanation yet offered. This has caused severe issues for me an my family. AVOID AT ALL COSTS! Read more Read less

    {"display":"Jacob Clapson","full_name":"Jacob Clapson","avatar":{"url":"\/assets\/uploads\/avatars\/users\/513919.png"}}'s avatar
    Business banking
    Jacob Clapson 11th September 2026
  • 5.00/5

    Brilliant app, great customer service, no bank fees...

    Brilliant app, great customer service, no bank fees for business, just awesome.

  • 5.00/5

    Exceeded expectations: super user friendly.

    I have recommended Mettle because my experience has been so positive on all levels.

    {"display":"Juno","full_name":"Juno","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business banking
    Juno 21st June 2026
  • 5.00/5

    Really helpful product for me as a sole trader

    Really helpful product for me as a sole trader

    {"display":"John L","full_name":"John L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business banking
    John L 13th June 2026
  • 5.00/5

    I’ve been with Mettle for three years ....

    I’ve been with Mettle for three years since becoming self-employed and have found it to be a great business banking app. It’s simple, easy to... I’ve been with Mettle for three years since becoming self-employed and have found it to be a great business banking app. It’s simple, easy to use, and the integration with FreeAgent has made managing my accounts much easier. My only real downside is the introduction of charges for things like cash withdrawals and cheque deposits, which is disappointing. Overall though, it’s been a reliable and user-friendly bank for my business. Read more Read less

    {"display":"Hannah","full_name":"Hannah","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business banking
    Hannah 12th June 2026
  • 5.00/5

    I’ve been self employed for 4 years and really strug...

    I’ve been self employed for 4 years and really struggled to save for tax bills now it automatically comes out into a separate pot whenever... I’ve been self employed for 4 years and really struggled to save for tax bills now it automatically comes out into a separate pot whenever I receive a payment so I’m not tempted to touch the tax money! Fantastic feature, invoicing straight through the app and listing expenses couldn’t be easier too! I recommend this bank account to all my friends and family it’s really made self employment a whole lot simpler! Read more Read less

  • 5.00/5

    Much satisfied, smooth and reliable.

    Much satisfied, smooth and reliable.will definitely recommend to my friends

  • 5.00/5

    Great app, user friendly.

    Great app, user friendly. Layout is good and it's easy to navigate.

    {"display":"Emma","full_name":"Emma","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business banking
    Emma 5th June 2026
  • 4.00/5

    Good banking hours services

    Transferring money for 24 hours a day is regarded as good services, when I am abroad, I still used the bank without the time limit.... Transferring money for 24 hours a day is regarded as good services, when I am abroad, I still used the bank without the time limit. The bank manager sent me a message to prevent a possible scam; that is not too often and instructive, rather being gentle and respectful. And you don't do the maintenance work too often that is quite reliable to use the account 24 hours a day. So far based on those factors, the level of services are satisfactory. Read more Read less

    Products from Mettle by NatWest

    Showing all products offered by Mettle by NatWest

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice