Mettle

Mettle · Banks

Mettle by NatWest review

UKUpdated October 2026

Mettle, from NatWest, is a free business account that includes FreeAgent accounting software at no extra cost, which can replace a separate accounting subscription. It’s FSCS protected and charges nothing for UK payments.

Monthly fee£0Free
AccountingFreeAgentIncluded free
ProtectionFSCSBank account
Available inUKBanks
Treasi’s take

Who Mettle is best for

Choose Mettle if…

Sole traders and small companies wanting free accounting and businesses already considering FreeAgent.

Look elsewhere if…

Businesses needing multi-currency accounts.

Mettle, from NatWest, is a free business account that includes FreeAgent accounting software at no extra cost, which can replace a separate accounting subscription. It’s FSCS protected and charges nothing for UK payments.

Details

Fees, features and eligibility

Monthly fee£0 monthly
TransfersFree UK payments
Account typeBank account (by NatWest)
Deposit protectionFSCS protected
CurrenciesGBP

Source: Mettle published product information.

Pros and cons

What stands out

Pros

  • Free account
  • FreeAgent included
  • Free UK payments

Cons

  • GBP only
FAQs

Mettle: common questions

Is Mettle free?

Yes, and it includes FreeAgent accounting at no cost.

Is Mettle protected?

Yes, Mettle accounts are FSCS protected.

Used Mettle? Help other businesses choose.

Similar providers

Other business bank accounts to consider

Starling Business Account
Starling Business Account

Best free business bank

Tide Business Account
Tide Business Account

Best for invoicing and admin tools

Monzo Business Account
Monzo Business Account

Best simple account from a licensed bank

ANNA Business Account
ANNA Business Account

Best for tax automation