Business Finance

Mettle

A business bank account for sole traders and limited companies with up to two owners.

Overview

Mettle brings business banking and money admin into one app. It helps you manage the payment cycle, keep records current and set money aside for tax. Mettle is open to eligible sole traders and limited companies with up to two owners. Only one owner can access the Mettle account.

Updated Nov 7, 2026

4 things

What Mettle has

Support

Get help from the support team by writing to them via email. One of 18 Business Finance tools with email support.
Real people you can contact when you need help with the tool.
Get help from the support team by calling them directly on the phone. One of 15 Business Finance tools with phone support.

Extras

A collection of answers to common questions about using a product.

17 features

Key Features

Business bank account
The business bank account built for the self-employed, backed by NatWest.
Payment cycle management
Manage your entire payment cycle – from creating an invoice to reconciliation.
Custom invoices
Create and send customised invoices on the go. See what’s been paid and what you’re owed within one click. You can even track payments and chase late payers – all from your phone.
Payment notifications
We'll notify you when money hits your account and match the payment to your invoice.
Tax calculations
Get a running total of how much tax you owe and when you need to pay it in the Mettle app, powered by FreeAgent.
Tax Pot
Easily put money aside from your main account into a Tax Pot. You can also set up a Scheduled Saver to save for business costs or new equipment.
Bookkeeping task list
Easily stay on top of your admin with a list of bookkeeping tasks you can mark off in the app as you complete them.
Receipt uploads
Snap a picture or upload a PDF to your transactions, so your records are always up to date.
Accounting sync
You can set up a secure and real-time sync between your Mettle app and FreeAgent or Xero accounting software. Or connect to other accounting packages like Quickbooks.
FreeAgent receipt upload
Easily upload your receipts to FreeAgent straight from your Mettle account. Find out how to connect to FreeAgent in our guide.
Receipt downloads
You can download all your receipts and invoices to share with your accountant. Whether in CSV, OFX, Excel or any format that’s compatible with your accounting software of choice
Business banking
The business bank account built for the self-employed, backed by NatWest.
Payment management
Manage your entire payment cycle – from creating an invoice to reconciliation.
Human assistance
Our team is here to support you whenever you need it.
Bookkeeping tasks
Easily stay on top of your admin with a list of bookkeeping tasks you can mark off in the app as you complete them.
Tax savings
Let Mettle do the heavy lifting by automatically saving for tax
FreeAgent receipts
Easily upload your receipts to FreeAgent straight from your Mettle account. Find out how to connect to FreeAgent in our guide.

Pros and cons

Pros

Tax calculations show a running total of what you owe and when to pay, powered by FreeAgent.
You can message the support team in the app, email them or call them.

Cons

You can open only one account per person.

You?

Be the first to rate Mettle

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

5 questions

FAQs

What does Mettle do?

Mettle is a business bank account for the self-employed. It covers the payment cycle from creating an invoice through to reconciliation.

Who is Mettle for?

Mettle is for sole traders and limited companies with up to two owners. Only one owner can access the account.

Which accounting tools connect to Mettle?

Mettle supports secure, real-time sync with FreeAgent or Xero. You can also connect it to QuickBooks.

Does Mettle offer human support?

Yes. You can message the support team in the app, email them or call them. In-app messaging is not a 24/7 live chat service.

Where can I find help with Mettle?

Mettle has FAQs covering common questions, joining, account management and guides to its features.

No reviews yet

Community reviews

Sort:Write a review

No written reviews yet. Be the first to share your experience.

Tried this tool? Share your experience.

Write a review

No reviews yet

Community reviews

Sort:Write a review

No written reviews yet. Be the first to share your experience.

Tried this tool? Share your experience.

Write a review

4 things

What Mettle has

Support

Get help from the support team by writing to them via email. One of 18 Business Finance tools with email support.
Real people you can contact when you need help with the tool.
Get help from the support team by calling them directly on the phone. One of 15 Business Finance tools with phone support.

Extras

A collection of answers to common questions about using a product.

17 features

Key Features

Business bank account
The business bank account built for the self-employed, backed by NatWest.
Payment cycle management
Manage your entire payment cycle – from creating an invoice to reconciliation.
Custom invoices
Create and send customised invoices on the go. See what’s been paid and what you’re owed within one click. You can even track payments and chase late payers – all from your phone.
Payment notifications
We'll notify you when money hits your account and match the payment to your invoice.
Tax calculations
Get a running total of how much tax you owe and when you need to pay it in the Mettle app, powered by FreeAgent.
Tax Pot
Easily put money aside from your main account into a Tax Pot. You can also set up a Scheduled Saver to save for business costs or new equipment.
Bookkeeping task list
Easily stay on top of your admin with a list of bookkeeping tasks you can mark off in the app as you complete them.
Receipt uploads
Snap a picture or upload a PDF to your transactions, so your records are always up to date.
Accounting sync
You can set up a secure and real-time sync between your Mettle app and FreeAgent or Xero accounting software. Or connect to other accounting packages like Quickbooks.
FreeAgent receipt upload
Easily upload your receipts to FreeAgent straight from your Mettle account. Find out how to connect to FreeAgent in our guide.
Receipt downloads
You can download all your receipts and invoices to share with your accountant. Whether in CSV, OFX, Excel or any format that’s compatible with your accounting software of choice
Business banking
The business bank account built for the self-employed, backed by NatWest.
Payment management
Manage your entire payment cycle – from creating an invoice to reconciliation.
Human assistance
Our team is here to support you whenever you need it.
Bookkeeping tasks
Easily stay on top of your admin with a list of bookkeeping tasks you can mark off in the app as you complete them.
Tax savings
Let Mettle do the heavy lifting by automatically saving for tax
FreeAgent receipts
Easily upload your receipts to FreeAgent straight from your Mettle account. Find out how to connect to FreeAgent in our guide.

Pros and cons

Pros

Tax calculations show a running total of what you owe and when to pay, powered by FreeAgent.
You can message the support team in the app, email them or call them.

Cons

You can open only one account per person.

You?

Be the first to rate Mettle

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

5 questions

FAQs

What does Mettle do?

Mettle is a business bank account for the self-employed. It covers the payment cycle from creating an invoice through to reconciliation.

Who is Mettle for?

Mettle is for sole traders and limited companies with up to two owners. Only one owner can access the account.

Which accounting tools connect to Mettle?

Mettle supports secure, real-time sync with FreeAgent or Xero. You can also connect it to QuickBooks.

Does Mettle offer human support?

Yes. You can message the support team in the app, email them or call them. In-app messaging is not a 24/7 live chat service.

Where can I find help with Mettle?

Mettle has FAQs covering common questions, joining, account management and guides to its features.

Mettle

Overview

What Mettle has

Support

Extras

Key Features

Business bank account

Payment cycle management

Custom invoices

Payment notifications

Tax calculations

Tax Pot

Bookkeeping task list

Receipt uploads

Accounting sync

FreeAgent receipt upload

Receipt downloads

Business banking

Payment management

Human assistance

Bookkeeping tasks

Tax savings

FreeAgent receipts

Pros and cons

Pros

Cons

Be the first to rate Mettle

FAQs

What does Mettle do?

Who is Mettle for?

Which accounting tools connect to Mettle?

Does Mettle offer human support?

Where can I find help with Mettle?

What Mettle has

Support

Extras

Key Features

Business bank account

Payment cycle management

Custom invoices

Payment notifications

Tax calculations

Tax Pot

Bookkeeping task list

Receipt uploads

Accounting sync

FreeAgent receipt upload

Receipt downloads

Business banking

Payment management

Human assistance

Bookkeeping tasks

Tax savings

FreeAgent receipts

Pros and cons

Pros

Cons

Be the first to rate Mettle

FAQs

What does Mettle do?

Who is Mettle for?

Which accounting tools connect to Mettle?

Does Mettle offer human support?

Where can I find help with Mettle?

More in Business Finance

More in Business Finance