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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
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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

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Mettle by NatWest Business banking reviews (4593)

Application refused because they dont ask questions correctly to trip you up and offer other accounts

1
What a shamble of a company run by, well pretty much fools that try and get you to sign for an account that isnt covered by FSCS. I applied in the usual way, met all the vriteria to open a FSCS covered business account, I was asked how much did i take in cash payments, they are very small as most people pay by bank transfer, I gave the advisor the amount and i was declined as he said I would want to deposit cash to which they dont do!, I knew this and never said anything about depositing cash, he came back and said i could accept an FCA account. No thanks. Pretty sad is this is backed by Natwest but the goons cant even ask a question correctly. AVOID Reviewed on: 18th February 2023
Ian Goodchild's avatar
Ian Goodchild

Excellent customer service

5
Dealt with my problem very quickly and efficiently. App is simple to use and very handy for my invoices Reviewed on: 8th February 2023
James Cook's avatar
James Cook

Wonderful until a problem

2
Recovering account is not smooth if one piece of info is forgotten. Despite having fingerprint recognition set, unlike Tandem it can't be recovered by face recognition video. Five star until now. Staff seem to only suggest i hard close. Now I'm stuck waiting for them to open again. Reviewed on: 15th December 2022
Claire Barrass's avatar
Claire Barrass

Cancelled out of the blue

1
Things were fine then they emailed me to say they were closing the account. No reason given. The account was well managed and not overdrawn. VERY UNHAPPY. ☹️ Reviewed on: 9th November 2022
Great Outdoorsman 's avatar
Great Outdoorsman

Absolutely disgraceful and disgusting

1
Absolutely disgraceful and disgusting experience. Nothing but negative feedback for this bank which is owned by NatWest. Avoid both at all costs. They declined my application but other banks have approved my application always with no issues and I have therefore looked at other banks that I am with. I would not recommend or use these cowboys ever again. Stay clear and do not waste your time and energy. They are liars. Nothing but negative feedback for this bank which is owned by NatWest. Avoid both at all costs. They declined my application but other banks have approved my application always with no issues and I have therefore looked at other banks that I am with. I would not recommend or use these cowboys ever again. Stay clear and do not waste your time and energy. They are liars. Reviewed on: 4th November 2022
Shamir Ali's avatar
Shamir Ali

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

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