The forward-looking business account.
  • Quick account creation
  • Free small business accounts
  • Smart tools to manage invoicing
  • Expenses made simple
Screenshot of the Mettle App on a mobile deviceMettle debit card. Yellow, with contactless option, Mettle logo, Mastercard logo, account number, sort code and business name. Card sits in front of phone with forward looking cashflow. Bank card, not a NatWest or RBS card

Subject to criteria


Mettle helps you focus on the things that matter today for your business.

Get a daily list of tasks to tackle like overdue invoices, bills to pay and receipts to capture.

iPhone screen, showing Mettle Today’s Tasks. One overdue invoice, one bill to pay to your accounting service and two transactions with receipt to capture. The bottom bar shows money,tasks, invoices, bills, payments, account, support.
Instant invoicing

It’s easy to create and send invoices from the Mettle app. You can also track incoming payments and match them to outstanding invoices.

Alerts help you stay on top of your cash flow, and you can prompt your customers with our tailored payment reminders.

Screen from  Mettle iPhone app. Showing an overdue invoice. Payment terms are for 30 days, below is the issue date and the VAT number. Mark invoice as paid or contact client with nudges. NatWest/RBS/Royal Bank of Scotland backed account.
Easy expenses

Add receipts to your transactions and track your expenses straight from your phone.

Mettle will remind you to capture transaction receipts, simplifying your bookkeeping and end-of-year taxes.

Mettle iPhone app showing a receipt captured, with transaction amount and business name for the transaction. Mettle is not a bank account and is backed by NatWest/RBS/Royal Bank of Scotland. Make your taxes and bookkeeping simpler.
Self service

Take control of your taxes. Export your transactions in an accounting-friendly format.

Lock and unlock your card from the Mettle app with a single tap.

Our support team is available via the app’s chat function, so you can ask questions without leaving the app.

Screen from Mettle app on iPhone showing Mettle debit card in account tab with sort code, account number, lock card and view pin functionality. Mettle App version is visible. The bottom bar shows money,tasks, invoices, bills, payments, account, support.
Reliability when you need it most

We know that starting your own company comes with a lot of challenges. That’s why Mettle offers smart solutions to make sure that getting paid will not be one of them.

Mettle is backed by NatWest so even though we are new, we have a wealth of banking knowledge and expertise behind us.

We are already helping small businesses across multiple industries ─ from hospitality to healthcare, fashion to finance.

So whether you are a freelancer, a contractor, self employed or a private limited company, Mettle can help make your business finances simple.

Not convinced yet?

It's free to join.
And backed by NatWest.

Subject to criteria

The Mettle account is an e-money account provided by Prepay Solutions (PPS), a trading name of Prepay Technologies Ltd which is an electronic money institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 900010) for the issuing of electronic money. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.