Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

Mettle by NatWest: Business banking reviews

View other Mettle by NatWest products
4.81
Based on 4,593 reviews, last reviewed 11th Sep 2026
100% decrease in 5 star reviews
in the past 90 days
67% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Brilliant app, great customer service, no bank fees... Brilliant app, great customer service, no bank fees for business, just awesome. Reviewed on: 20th August 2026
Clint Hammond's avatar
Clint Hammond

Latest lowest rating:

1

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 not tell m... Read more Reviewed on: 11th September 2026
Jacob Clapson's avatar
Jacob Clapson
Read all reviews Write a review

About this product

The Mettle by NatWest business account has features to help you get paid faster and manage your tax.

You can use Money Pots to automatically save for tax and you could earn interest on credit balances.

Mettle by NatWest business account reviews help you find out what it’s really like to be a customer. If you’ve used Mettle by NatWest before, you can also leave a review and share your experience.

Review Mettle by NatWest: Business banking now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Mettle by NatWest Business banking reviews (4593)

So far so good, I haven’t needed to reach out to cus...

5
So far so good, I haven’t needed to reach out to customer service support - the is makes me very happy!By providing free access to free agent is a game changer for my small business. Thank you! Reviewed on: 19th March 2026
Victoria N's avatar
Victoria N

Customer service is so quick and secure.

5
Customer service is so quick and secure. The app is extremely easy to use. Reviewed on: 19th March 2026
Kate's avatar
Kate

Mettle: user friendly & helpful features

5
Mettle has been so easy to use, and set up. Easy to navigate creating new invoices, for example, and matching transactions. The interface is fresh, user friendly and easy to navigate. I love the pop up notices that inform of incoming payment or task, and I like the prompt to complete book keeping tasks - this is super helpful and satisfying when everything is completed! This helps the business owner keep up to date with small accounting tasks - brilliant. I would like to see a total in the account somewhere (currently you see what is in the current account, and what is in pots). Also the 'help' is AI and did not quite answer my question, but I understand that is currently the way of the world (AI customer services). I have not tried to call Mettle for anything yet, but I do trust there would be a very good response, if I needed to speak to a person. I am looking forward to syncing with Freeagent, which is free with Mettle, which is really helpful. I also really appreciate the option to bank online via laptop /PC (not just on the phone). All round I would highly recommend Mettle to small business owners. While my income is small compared to many businesses, I feel part of a community and the features help both small and larger businesses alike. Five stars! Reviewed on: 19th March 2026
Susan N's avatar
Susan N

Mettle is great for realtime bank feeds with Xero

4
Mettle is great for the free banking ie no monthly fees and no transaction fees unlike many other business banks, the real time feed with Xero is also brilliant as a bookkeeper which is why we recommend to all our clients to use Mettle Reviewed on: 19th March 2026
Millie O's avatar
Millie O

I use mettle alongside FreeAgent

5
I use mettle alongside FreeAgent for a perfect solution to my bookkeeping. The mettle business bank account is so easy to use. I wouldn’t bother looking elsewhere and if someone said there’s something better it still wouldn’t change my opinion. Reviewed on: 19th March 2026
Robert 's avatar
Robert

Tech Savvy & Stress-Free!

5
As a woman and a pensioner adjusting to new Tech. I expected a banking headache…… but Mettle is just easy! It links to my Freeagent and keeps me sorted. My accountant is going to be thrilled! P.S. Doing my accounts from the sofa with a cuppa is my new favourite thing….. Reviewed on: 19th March 2026
Trinny's avatar
Trinny

Generally fantastic.

4
Generally fantastic. Low debit card limits has been the only thing that could be improved. Reviewed on: 19th March 2026
Sam M's avatar
Sam M

Very user friendly

5
As a sole trader, the free business banking app is ideal. It's super easy to use, even for a total techophobe like me! Reviewed on: 19th March 2026
Kay M's avatar
Kay M

Excellent app.

5
Excellent app. Perfect integration with Freeagent though it would be nice if custom cagetories from FA could make their way back to Mettle. Reviewed on: 19th March 2026
D B's avatar
D B

Online banking at it's best

5
Just because this is an online only bank don't be fooled that you only get Ai & robots, these people are genuine humans. I can't fault Mettle at all, I have had a few issues with suspected fraud and lost card and the team have been straight on the case fighting my corner and come through with great results, I feel better looked after than any high street bank, that's if you can find one these days. Ala in all an amazing bank with a great team. Reviewed on: 19th March 2026
Ian W's avatar
Ian W

Review Mettle by NatWest: Business banking now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill