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Mettle by NatWest: Business Banking reviews

View other Mettle by NatWest products
4.92
Based on 4,078 reviews, last reviewed 5th Apr 2026
173400% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
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See only 4 star reviews
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Latest highest rating:

5

I’m reasonably new to Mettle, however I like the way... I’m reasonably new to Mettle, however I like the way the app works and the response time you get when writing a message. Reviewed on: 5th April 2026
Andrew J's avatar
Andrew J

Latest lowest rating:

1

Unfortunately the team couldn’t transfer Director in... Unfortunately the team couldn’t transfer Director info so you are closing my account Reviewed on: 24th March 2026
Aiza A's avatar
Aiza A
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About this product

Mettle by NatWest offers a business bank account tailored for sole traders and limited companies with up to two owners. Key features include the ability to earn interest on savings, automatic tax savings, customizable invoices, and integration with accounting software like FreeAgent, Xero, and QuickBooks.

Do you have an account with Mettle by NatWest? Please leave a review with Smart Money People to help businesses like you make better choices.

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Mettle by NatWest Business Banking reviews (4078)

Great banking app for business - helps with saving a...

5
Great banking app for business - helps with saving and separating into tax pots etc Reviewed on: 22nd January 2026
Amy B's avatar
Amy B

Good easy to use bank service.

4
Good easy to use bank service. If the savings account interest rate was more competitive it would be top marks. Reviewed on: 22nd January 2026
Elizabeth R's avatar
Elizabeth R

Great banking system for start ups

5
Great banking system for start up business that offers accounting services and easy income and expense tracking Reviewed on: 22nd January 2026
James B's avatar
James B

Absolutely terrible experience

1
This has been an absolutely terrible experience characterized by shocking service and a complete lack of operational awareness. We attempted to open a new business account with Mettle and what we encountered was the definition of unacceptable. First, there is no direct contact number, meaning every interaction is forced through the app — which would be fine if the app actually supported basic customer management. It does not. The app clearly states that after you submit your application and answer all questions, you should receive a response within 72 hours. We have been waiting for over a month and a half without any meaningful update. The only interaction we received in this entire period was approximately three weeks ago, when the app requested clarification about the exact nature of our business. We responded immediately. Two days later, we received an email from an agent asking the exact same question, demonstrating that internal communication is either nonexistent or completely ignored. We replied stating that the question had already been answered — and since that moment, there has been absolute silence. This is embarrassing service and reflects a serious failure in customer management. There is no transparency, no accountability, and clearly no understanding of what is happening within your own onboarding process. A bank that claims to support businesses should not be incapable of handling something as basic as an account setup without leaving clients in the dark for weeks. It is obvious at this point that we do not need this bank, and we would strongly caution any business considering Mettle to rethink placing their trust in an institution with such disorganized and apathetic service standards Reviewed on: 19th January 2026
JG's avatar
JG

A pleasure , works efficiently and effectively

5
A pleasure , works efficiently and effectively Reviewed on: 9th November 2025
thomas h's avatar
thomas h

Smooth and seamless registration experience, and the...

5
Smooth and seamless registration experience, and the partnership/free account with FreeAgent has been a game changer Reviewed on: 5th September 2025
Kirstin H's avatar
Kirstin H

Easy, reliable and takes the stress away

5
For someone who’s started their own business, Mettle has honestly been the best way to keep track of my accounts. It’s super easy to use and makes managing everything feel so much less stressful. I love how simple it is, and it really takes a weight off my shoulders so I can just focus on growing my business. Reviewed on: 22nd August 2025
Hazel M's avatar
Hazel M

still recommending mettle to colleagues after 2 years

5
very easy to use the app, and when I've experienced an issue (such as trying to pay for parking and it not working with my mettle card) I've received professional and helpful responses. using the pots system to ring-fence savings and tax is a game-changer. and easy linking with freeagent is the cherry on top! Reviewed on: 30th June 2025
Emily H's avatar
Emily H

The bank account is easy to set up and use, and any...

5
The bank account is easy to set up and use, and any issues have been quickly and easily resolved. Reviewed on: 13th June 2025
Nathan S's avatar
Nathan S

Business account

5
Using mettle as my business account for over the year now. Everything is simple and easy to do. Easy and fast way of creating invoices. Reviewed on: 12th June 2025
Matus's avatar
Matus

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