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Mettle reviews

Mettle logo
Rated Excellent • 4.91/5

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?

The British bank awards recognise outstanding UK financial services providers based entirely on customer feedback.  Winners are determined through verified customer reviews and must meet minimum participation thresholds, ensuring recognition reflects genuine customer experiences.

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 2,868 product reviews

Average score of 4.91/5
5 star
93%
4 star
6%
3 star
0%
2 star
0%
1 star
1%
Reviews for Mettle have trended positively over the past 90 days

Mettle’s Business Banking app is loved for its simplicity, free access to FreeAgent accounting software, and excellent customer service that’s quick and helpful. Users appreciate the easy invoicing, money pots for budgeting, and smooth integration with accounting tools. However, some find the lack of international payments, transfer limits, and occasional account switching issues frustrating.

Positive themes

  • Mettle’s Business Banking app is super easy to use and makes managing finances a breeze.
  • FreeAgent accounting software included with Mettle is a massive help for business bookkeeping.
  • Mettle’s customer service is friendly and quick to respond whenever help is needed.

Negative themes

  • Mettle lacks international payment options which is a real pain for some businesses.
  • The £10k transfer limit can be frustrating for businesses needing to pay large bills.
  • Account switching caused issues with missed payments and direct debit changes.
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 2868 company reviews • Last reviewed within 7 days

Perfect for Sole Trader Banking

Business Banking • 24th February 2026

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... 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. Having my banking and accounting software synced perfectly saves me hours of manual data entry every month. The app is intuitive, the setup was painless, and the fact that FreeAgent is included for free makes it an unbeatable value proposition for small businesses. Highly recommended for anyone looking to simplify their finances. Read more Read less

{"display":"Warren A","full_name":"Warren A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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Free banking

Business Banking • 23rd February 2026

Came to you because santander decided to charge me even though when i went with them 20 years ago, they said id have free banking... Came to you because santander decided to charge me even though when i went with them 20 years ago, they said id have free banking for life. But that changed last October when they started charging me. Read more Read less

{"display":"Z Wool","full_name":"Z Wool","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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  • 5/5

    No charges to use account.

    So easy to use. No charges to use account. Easy access to customer services.

    {"display":"Paul M","full_name":"Paul M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Paul M 23rd February 2026
  • 5/5

    Perfect bank account for setting up my small business

    I set up a Mettle business account when first setting up my own business in 2025. I shopped around to compare lots of different bank... I set up a Mettle business account when first setting up my own business in 2025. I shopped around to compare lots of different bank accounts to see what would suit me best and Mettle seemed to tick all the boxes. I cannot fault the service in any way; it was so easy to set up, has access to great additional tools such as Freeagent and it has worked perfectly in supporting my new venture as self employed. I have only rated customer service as I have not needed to use this service as of yet. Read more Read less

    {"display":"Jess","full_name":"Jess","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Jess 23rd February 2026
  • 5/5

    Mettle is really easy to use.

    Mettle is really easy to use. As a new sole trader I have found it helpful and user friendly. I know there is even more... Mettle is really easy to use. As a new sole trader I have found it helpful and user friendly. I know there is even more information to explore if I need to and I like the pots I can use to organise my incomings. Read more Read less

    {"display":"Alex","full_name":"Alex","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Alex 23rd February 2026
  • 5/5

    Mettle for my decorating business no fees char...

    I use Mettle for my decorating business no fees charged like others it’s been really good

    {"display":"Tracey Chivers","full_name":"Tracey Chivers","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1365181.png"}}'s avatar
  • 5/5

    Easy to use , no cost to use.

    Easy to use , no cost to use. Good interface with apps and payment systems.

    {"display":"Volker B","full_name":"Volker B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Volker B 22nd February 2026
  • 5/5

    App is very easy to use amd Navigate through out.

    App is very easy to use amd Navigate through out. Very convenient

    {"display":"Home Make-overs","full_name":"Home Make-overs","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1365081.png"}}'s avatar
  • 5/5

    Great app with zero fees!

    Great app with zero fees! Simple and fast use with great invoice in function and I appreciate the ability to categorize income and expenditure

    {"display":"P Schmidt ","full_name":"P Schmidt ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    P Schmidt 21st February 2026
  • 5/5

    Love it!

    the app is really easy to use, i can set up different pots to save money, really easy to speak to someone when i need to

    {"display":"mark chapman","full_name":"mark chapman","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1364999.png"}}'s avatar
    Business Banking
    mark chapman 21st February 2026
  • 5/5

    Very easy to use and very helpful if I have an issue...

    Very easy to use and very helpful if I have an issue had no issues ever since I’ve been using it for a few years now

    {"display":"Mark W","full_name":"Mark W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Mark W 21st February 2026

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