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Mettle: Business Banking reviews

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4.91
Based on 2,868 reviews, last reviewed 24th Feb 2026
29050% increase in 5 star reviews
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100% increase in 1 star reviews
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Latest highest rating:

5

Perfect for Sole Trader Banking I’ve been using Mettle for a while now, and it truly is a brilliant service. The standout feature for me is the seamless, free access to FreeAgent. Ha... Read more Reviewed on: 24th February 2026
Warren A's avatar
Warren A

Latest lowest rating:

2

Not very good for transferring funds to other accoun... Not very good for transferring funds to other accounts and for adding info to other accounts Reviewed on: 18th February 2026
Clifford M's avatar
Clifford M
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About this product

Mettle 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.

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Mettle Business Banking reviews (2868)

Some major "gotchas" that you won't see until you're up and running

3
I did quite a lot of research prior to opening the account, including speaking directly to someone at Mettle to confirm that I would be able to do everything i could do with my old Barclays account. In practise, this turned out to be very much not true. I'm still not clear on what is causing the problems, despite being a personal investor for many years and pretty finance savvy, but i think it's because they are not actually licensed as a Bank, they just have electronic money processing permissions. So firstly, the card they give you is useless. It looks like a Mastercard, but so far i haven't found anyone that will accept it. That was my first problem, because i pay for various software as a service on a monthly basis, and now have to use my personal credit card and claim back via expenses which makes a lot more admin for me. Secondly, I keep some capital from previous years in a separate business savings account which attracts a higher interest rate (and because you aren't protected if Mettle goes bust, so you really don't want to keep more than a few months' operating capital there at any one time). Having closed my old Barclays account, i went to the savings account provider and asked them to set up the Mettle account as the recipient of funds when i need them. Surprise! They won't do it. Mettle isn't a recognised organisation. So as of now, i have savings in a business savings account which can only be transferred to another account in the business name, but not the Mettle one. So i'm going to have to set up yet another account just to get my savings back. The actual account offering is great, the app works fine, and i'm saving a fair bit because of the free FreeAgent provision. I just wish they'd been more honest about the limitations of the account before I committed. Reviewed on: 31st October 2022
Kate Rose's avatar
Kate Rose

Lost my phone over a week ago. Finding it real hard to get in my account.

2
Currently in Spain on vacation. Lost my phone at beach and got a new one. Tried to download app to check invoices been paid and in need recovery codes. They are on my old Phone. So I try to contact support leave afew messages don’t her back. Third time I try I hear back and they need to change my Number then give them 24 hours get back in touch and I can have my recovery codes. Abit of a pain in the arse but I will oblige. Get back in touch 24 hours later to be told that they took the phone number down wrong they have wrote it down correctly now and I need to give them another 24 hours before I have access to my account Not happy. Not professional. Not helpful When I’m back in the UK I will close this account and use the revolt Reviewed on: 4th September 2022
Queenie Maz's avatar
Queenie Maz

Limited service

1
I started a new business recently and was recommended to use Mettle. It's nothing special but it has worked okay until I needed to pay a cheque into my account. Mettle does not provide any facility for this or any help to resolve it. As the cheque is payable to my business I cannot pay into any other account. Consequently, I shall ditch Mettle in favour of a free business account (e.g. Virgin Money or Monzo) that allows cheque deposit through their app. Reviewed on: 16th August 2022
Robert Croft's avatar
Robert Croft

Too many questions and not safe to store your money

1
Im a landlord trading with a ltd legal company for 8 years and they requested all the address details of my houses plus valuations and details of where the money came from. I didn’t think I was asking for a loan. Plus no fscs security so if they go bust you lose your money. Reviewed on: 18th May 2022
Robert Bennett's avatar
Robert Bennett

New business account

5
I have just opened an account with Mettle and they made the whole process seamless and easy. I have linked the account to Quickbooks and I am good to go. Reviewed on: 4th April 2022
RP's avatar
RP

Awesome Service

5
Could not be more helpful via their in-app chat. Very easy to use and free! Reviewed on: 24th January 2022
James Cook's avatar
James Cook

Opening a Account

2
At the moment its triable trying to even open one up! 3 days iv been asking them and yet still nothing, they only answer once every day or two. Reviewed on: 29th September 2021
mark's avatar
mark

Free business Banking with Free Award winning Accounting software

5
Unrivalled banking that is free for sole traders and limited companies with 2020 multiple award winning accounting software that is Free for their clients. Not only is the accounting software free (FreeAgent) but fully functioning to run a small business successfully Reviewed on: 30th March 2021
Drew Moyes's avatar
Drew Moyes

Fresh, modern business bank

5
The app looks good and is really easy to use. I love being able to create an invoice from my phone really easily - and that it's free with the connection to FreeAgent! Feels like something new in banking for people who are running something small. Exciting! Reviewed on: 24th March 2021
Polly's avatar
Polly

A bank account ideal for people starting a business

5
Has all you need, with free accountancy software, free invoicing and payment matching, couldn’t have started my company without it. Reviewed on: 24th March 2021
Bfrank's avatar
Bfrank

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