Overlay
Free small business account by Mettle

Self-employed?

Mettle is the mobile account that helps you start, run and grow

Mettle is part of NatWest Group

Completely free. No monthly charges or transaction fees

Apply in minutes and manage your account from the Mettle app

Create and send invoices from your phone

Sync with accounting software like Xero and FreeAgent

Online support through the Mettle app when you need it

Account limitations and eligibility

You're a sole trader or limited company with up to two owners

You have a balance of less than £100k (£50k for sole traders)

You're a UK-based company with owners that are UK residents

No access to credit

No access to government-backed loans 

No international payments

No cheque deposits

Useful info about this account

Ready to apply?

Account features

Run your business

Get paid faster 

Create and send invoices on the go. We’ll notify you when money hits your account and match the payment to your invoice.

Get tax ready

Categorise business transactions to reduce admin and minimise errors. 

Sync Mettle with accounting software

Easily share transactions with your accountant or connect to software like FreeAgent and Xero.

Benefits

Online support

Contact us through the Mettle app when you need it.

Safe and secure

Your money is held in a ring-fenced account. You’re the only one with access.

Apply in minutes

Once we review and approve your business, you’ll get an account number and sort code to get started.

Apply now

Thanks for choosing Mettle. Let’s get started.

Are you a...
Does your business need...

Unfortunately, we don't offer access to any loans (including government-backed loans), overdrafts, credit cards or international payments.

If you are interested in how NatWest can support you with these needs, please visit the startup account page.

Unfortunately, we don't offer access to any loans (including government-backed loans), overdrafts, credit cards or international payments.

If you are interested in how NatWest can support you with these needs, please visit the startup account page.

Thanks, it looks like you’re ready to start. You will be redirected to Mettle now.

Does your business need…

Unfortunately, we don't offer access to any loans (including government-backed loans), overdrafts, credit cards or international payments.

If you are interested in how NatWest can support you with these needs, please visit the startup account page.

Unfortunately, we don't offer access to any loans (including government-backed loans), overdrafts, credit cards or international payments.

If you are interested in how NatWest can support you with these needs, please visit the startup account page.

Thanks, it looks like you’re ready to start. You will be redirected to Mettle now.

We are currently only supporting sole traders and limited companies with up to two owners.

Something else we can help you with?