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Mettle reviews

Mettle logo
Rated Excellent • 4.90/5

Mettle reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 7 days

What is this award?

This award is open to any bank with a UK banking licence that provides current accounts to UK customers and exceeds the award thresholds set. This includes entrants with traditional branch networks as well as neobanks.

This company has won:

  • Best business banking provider 2025
See all awards Mettle have won
British bank awards winner
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Review summary

People rate this company as Excellent based on 2,417 product reviews

Average score of 4.90/5
5 star
93%
4 star
6%
3 star
0%
2 star
0%
1 star
1%
Reviews for Mettle have trended negatively over the past 90 days

Mettle makes business banking a breeze with its easy-to-use app, free accounting software, and helpful customer service. The ability to create invoices, manage money pots, and integrate with FreeAgent saves loads of time and stress. However, some find the lack of international payments and cheque deposits frustrating, and a few have had slow or limited customer support experiences.

Positive themes

  • Mettle’s app is super easy to use and perfect for managing small business finances.
  • Free access to FreeAgent accounting software with Mettle is a real game changer.
  • Customer service at Mettle is friendly and quick to respond when you need help.

Negative themes

  • Lack of international payments and no cheque deposit option frustrate some users.
  • Some users found customer support slow or unhelpful at times.
  • Account setup took longer than promised for a few users causing inconvenience.
Summarised by AI
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About Mettle

Mettle is the free digital business account by NatWest. It's built for small businesses, side hustlers, startups and freelancers to help them start, run and grow. Mettle 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? Why not leave a review and let others know about your experience.

Mettle at a glance

Reviews for Mettle

Showing 11 of 2417 company reviews • Last reviewed within 7 days

Had to swap from another bank due to charges being a...

Business Banking • 29th January 2026

Had to swap from another bank due to charges being applied. Mettle were very helpful when setting up and with initial questions.

{"display":"Julie H","full_name":"Julie H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Never had a problem and very good service

Business Banking • 29th January 2026

Never had a problem and very good service

{"display":"Lee w","full_name":"Lee w","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    A great bank for small businesses.

    A great bank for small businesses. The app is very user friendly and communication is strong.

    {"display":"Finlay F","full_name":"Finlay F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Finlay F 29th January 2026
  • 5/5

    Great service, especially useful with use of Freeagent

    Great service, especially useful with use of Freeagent

    {"display":"John L","full_name":"John L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    John L 29th January 2026
  • 4/5

    Mettle has helped me in my new role as a small busin...

    Mettle has helped me in my new role as a small business owner and being self employed. It works incredibly well and I feel a... Mettle has helped me in my new role as a small business owner and being self employed. It works incredibly well and I feel a sense of safety that my money is saved with Mettle. Also helpful with potential tax returns. I don’t know all the functions yet with my account but Mettle was recommended to me by a friend who uses it for his own business. Read more Read less

    {"display":"Natalie D","full_name":"Natalie D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Natalie D 29th January 2026
  • 5/5

    Great value banking for sole traders

    I’m very happy with Mettle, which was provided free by NatWest (so great value for money!). The link with FreeAgent software works very well, for... I’m very happy with Mettle, which was provided free by NatWest (so great value for money!). The link with FreeAgent software works very well, for the most part (there are a few categories which require manual entry), but the ability to upload and photograph receipts is a godsend. More recently Mettle have started paying interest on savings pots, which is a nice bonus. I would be very happy to recommend Mettle to anyone starting out as a sole trader. Read more Read less

    {"display":"Mark B","full_name":"Mark B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Mark B 29th January 2026
  • 4/5

    Great bank for a small UK business

    Great bank, the only issue is that you cannot receive international payments.

    {"display":"Leila","full_name":"Leila","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Leila 29th January 2026
  • 4/5

    Everything works as I expect.

    Everything works as I expect.. All good. I wish you could ask a payment to come straight out of a pot, but I do like... Everything works as I expect.. All good. I wish you could ask a payment to come straight out of a pot, but I do like the pots and that you could see all your bank details to make new payments from the app, rather than needing my physical card. Read more Read less

    {"display":"Anon","full_name":"Anon","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Anon 29th January 2026
  • 5/5

    Great experience so far, when i was part of the rese...

    Great experience so far, when i was part of the research call it was all informative and productive and promised reward was issued! Also issue... Great experience so far, when i was part of the research call it was all informative and productive and promised reward was issued! Also issue with unauthorised transactions was dealt with very quickly. Read more Read less

    {"display":"Marta D","full_name":"Marta D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Marta D 29th January 2026
  • 5/5

    First time user

    It is my first business bank account and so far it has not let me down. The app is very simple and makes business banking... It is my first business bank account and so far it has not let me down. The app is very simple and makes business banking and reconciliation very user friendly. For a start up it'ds perfect. Read more Read less

    {"display":"Liz H","full_name":"Liz H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Liz H 29th January 2026
  • 4/5

    Easy and straight forward to use.

    Easy and straight forward to use. I like the book keeping option.

    {"display":"Kirsten M","full_name":"Kirsten M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Kirsten M 29th January 2026

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