Provider profileLast checked 8 November 2026
Mettle by NatWest
A free business account from NatWest for sole traders and small limited companies, with invoicing and FreeAgent accounting included.
- Cheapest plan
- No fee for maintaining the account
- Available in
- UK
- Your money
- Bank · FSCS cover
What it is
The Mettle bank account is provided by National Westminster Bank plc (FRN 121878), trading as Mettle.
How your money is protected
Eligible deposits are protected up to £120,000 by the FSCS. Some older Mettle e-money accounts, provided by PrePay Technologies (FRN 900010), are safeguarded instead and not FSCS-protected.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
Sole traders and limited companies with up to two owners, of whom only one can access the account. One account per person.
Headline fees
| Fee | Detail |
|---|---|
| Maintaining the account | No fee |
| Mettle+ | Optional, £4 a month |
| Inbound international payments over £10 | £4 plus 1.5% if converted to GBP |
| Cash deposits at the Post Office | £2.75 each |
| Cash withdrawals | £1 each |
| Replacement card (lost or damaged) | £5 |
Limits worth knowing
- Balance limit of up to £1 million.
- FreeAgent is included only in months where you make at least one transaction from the account.
How it compares
See all the accounts we've researched.
Our pick for card spendIncard: 1% cashback on ads, software and travel, on a £0 plan
Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.
Work out your cashbackCheck eligibility
We may earn a commission if you apply.
- a month on the Free plan, with team cards
- £0
- cashback on ads, software and travel; 0.5% on other eligible spend
- 1%
- IBANs in three currencies
- GBP, EUR, USD
Check Mettle by NatWest's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
Sources
All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.