Free small business account


Mettle is the mobile business bank account built for the self-employed

Mettle is part of NatWest Group

Mettle is free - no monthly charges or transaction fees

Apply in minutes and manage your account from anywhere with the Mettle app

FreeAgent accounting software included - save up to £150 a year*

Make your money go further with savings pots

Create and send invoices on the go

Help from real people when you need it 

Account limitations and eligibility

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

Your maximum account balance is £1m*

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

Information Message

Useful info about this account

Ready to apply?

To open a Mettle account, you’ll need to be a sole trader or a limited company with up to two owners.

You’ll also need to be a UK-based company with owners that are UK residents.

Account features

Be tax confident

Be tax confident 

Bookkeeping and day-to-day accounting made easier.

Make your money go further

Start earning interest on deposits from £10 up to £1m with a savings pot*.

Sync with accounting software

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

See how much tax you're likely to owe

Get an up-to-date total of how much tax you’re likely to owe with our Tax Calculation, powered by FreeAgent.

Get paid faster

Manage your entire payment cycle – from creating an invoice to reconciliation.

Send invoices from wherever you are

Create and send customisable invoices on the go.

Get instant payment notifications

We’ll notify you when money hits your account and match the payment to your invoice.


Online support

Talk to real humans through the Mettle app when you need to.

Safe and secure

Eligible funds are protected by FSCS up to £85,000.

Apply in minutes

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

Something else we can help you with?