Mettle business bank account

Mettle business bank account is a business banking solution designed for self-employed professionals and limited company directors who want to manage their finances with confidence and ease.

Manage your business finances on the go with a dedicated UK account number and sort code. The app puts you in control of daily banking tasks—send and receive payments, schedule transfers, and track spending all in one place. Real people are available whenever you need support, and your eligible funds are protected by FSCS coverage up to £120,000.

Stay tax ready without the paperwork. The Tax Calculation feature, powered by FreeAgent accounting software, gives you an up-to-date view of how much tax you're likely to owe and when payment is due. Automatic savings rules help you set money aside for tax obligations, equipment, or contingencies. Bookkeeping tasks are built into the app so you can track and complete admin items as you go, then export your data to share with your accountant in just a few steps. By connecting to accounting packages like FreeAgent, Xero, or QuickBooks, you can sync all your business transactions and manage accounts and tax obligations in one place—making you MTD compliant without the hassle of spreadsheets or paper records.

Grow your savings with interest-bearing pots. Deposit as little as £10 up to £1 million and earn interest on your savings pot. Set savings goals for specific amounts you're working towards, and automate contributions with custom rules from your main account balance.

Get paid faster with built-in invoicing. Create, send, and match invoices to payments from anywhere in the app. Customise your invoices to boost your brand, and receive notifications when money hits your account. Control your costs by managing one-off transfers and recurring payments directly from the app. Apple Pay is also available for secure, easy purchases online, in-app, and in-store across selected Apple devices.

Mettle is part of NatWest, a trusted and regulated bank, so you can bank with confidence. Eligibility includes being a sole trader or limited company director with up to two owners, UK-based with UK tax resident owners, and a balance limit of up to £1 million. Mettle business bank account has been voted Best Business Banking Provider at the British Bank Awards 2025.