Mettle is a compelling business-banking option for UK sole traders and small limited companies that want a simple mobile account without a monthly account fee. Backed by NatWest, it combines everyday banking with practical tools such as invoicing, expense categorisation and tax pots, while eligible customers can also access FreeAgent accounting software.
The referral offer can be attractive too. Current ReferralCodes listings show a £50 incentive for eligible new customers who open an account and complete the required card activity within the qualifying period. Because campaign terms can change, the live eligibility rules should be checked before applying.
Independent feedback is very strong overall, especially around the app, bookkeeping integration and customer support. The main caveat is onboarding: some applicants report lengthy checks or rejected applications, and Mettle is designed for a specific UK small-business audience rather than every business type.
For eligible freelancers, sole traders and small companies that value low-friction mobile banking and integrated admin tools, Mettle offers an unusually practical package.
— The Rebel Marketer