Mettle Reviews 5,329

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the straightforward application process and ease of use of the app. Many consumers value the integration with FreeAgent, finding it beneficial for managing their business finances. People also highlight the helpfulness and responsiveness of the customer service team, particularly praising the quick and relevant responses received through the chat feature. Consumers have reported a generally positive user experience with the app. The accessibility of Mettle for freelancers and the speed of account setup are also appreciated. Some reviewers mentioned the availability of customer support to resolve issues. Overall, reviewers are happy with the level of service and the features offered.

Based on these reviews

Rated 4 out of 5 stars

Been a customer for over 2 years and no real issues so far. Easy and straightforward to apply, same can be said for the app. Only issue I have is app can be annoyingly slow so if in low signal area ca... See more

Company replied

Rated 4 out of 5 stars

Great simple bank if you are a new business, also FreeAgent included which is a big bonus. They need to introduce IBAN numbers though so can do international payments as I’ve had to go elsewhere for t... See more

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Rated 4 out of 5 stars

Had an account for a few years. You can get a free Freeagent account through using it and its free Business Banking so has been good. Everyone had to transition over to a new account type recently whi... See more

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Rated 5 out of 5 stars

I have been using mettle for about 12 months now and I can honestly say, I have found them to be really good and helpful. You also have free agent on there to help with your accounts. I have also rec... See more

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Rated 5 out of 5 stars

Fabulous bank for ltd company,free ,easy on hand help always ,I cannot fault them they even got me money back of a scammer ,which I never thought I would of seen that £300 again ,very helpful and onl... See more

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Rated 5 out of 5 stars

I had various amounts taken from my account it was out of hours but I read on there to freeze my card which I did, which stopped them taking any more money. They investigated it and are sending m... See more

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Rated 5 out of 5 stars

I've been so impressed with Mettle since day one. Opening my account was very slick, and the interface with Freeagent is first class, and has made running my own business feel like a joy rather than a... See more

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Rated 5 out of 5 stars

I have been using Mettle for over a year now for my Complementary Therapy business. The customer service is wonderful. I changed my name by Deed Poll recently and the advisor talked me through how to... See more

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Rated 5 out of 5 stars

No complaints, works very well and ticks all the boxes. FreeAgent is also the best accounting software I’ve used so far. I’ve tried QuickBooks and Xero. Quickbooks is bloated and has far too many unne... See more

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Rated 5 out of 5 stars

Amazing team, respond swiftly with all queries. My card randomly popped up as being used which i knew was suspicious. I had an immediate chat via the app with Mettle who guided me to stop the card,... See more

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Rated 5 out of 5 stars

Hit by a scammer. Contacted Customer Support and Fraud Team. Case reviewed and dealt with in a swift manner. Stress alleviated. Well done team 👏🏻👏🏻👏🏻

Company replied

Rated 5 out of 5 stars

I have used Mettle for my business expenses for 3 years and can’t recommend the product, service and team highly enough. I have always found them responsive and able to support me when I need. Like... See more

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Rated 5 out of 5 stars

Easy setup, responsive customer service, everything so far has gone smoothly transfer and usage amd easy to use. Integration with and inclusion of Free agent has been brilliant. No complaints so far... See more

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Rated 5 out of 5 stars

I’m starting up as a freelancer and Mettle was the most accessible banking app available. It was easy to download. My account was set up within 3 days and I received a free debit card the same week. 1... See more

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Rated 5 out of 5 stars

Im really happy with my mettle account, the app is so easy to use and ive had to ask for some help a couple of times with things to do with my account and when I start a chat I get a response very qui... See more

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Rated 5 out of 5 stars

Business banked with Mettle for a few years now. Really happy with the account, level of service, app and the ability to chat to customer service. Highly recommend them as a banking option.

Company replied

Rated 4 out of 5 stars

So far so good. Easy to navigate and reconcile transactions. Had a blip with uploading receipts. Customer service kept me informed when it was sorted out. If accepted overseas payments, I would give 5... See more

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Rated 1 out of 5 stars

Avoid this company at all costs. We have had thousands of pounds stolen from our account and Mettle have no contact number for a fraud team and the phone line they do have is only open set hours and n... See more

Rated 1 out of 5 stars

I was really happy with mettle until last night when I saw 37 withdrawals within 36 hrs from 4 different unrecognised companies. 30 of them were from the same one for the same account for the same acc... See more

Company replied

Rated 1 out of 5 stars

Hey Mettle - STOP ADVERTISING 72 HOUR TURNAROUNDS FOR ACCOUNT OPENING. It's clear from reviews this isn't true!! Absolutely awful. I'm a Natwest customer so expected good things. I opened one on... See more

Company replied

Rated 1 out of 5 stars

I am an existing Natwest customer and applied to Mettle over a month ago. The only correspondence so far was a non-reply message two weeks ago apologising for the delay. I've tried to contact them to... See more

Company replied

Rated 1 out of 5 stars

Seemed like a solid account and came with accounting software. However, they're impossible to contact if you have a problem, I've had £3000 taken from the account by a clone fraud and then a new att... See more

Company replied

Rated 1 out of 5 stars

As I seen with others on here, two days ago several frauds transactions appeared on my account using my debit card. Ive only ever used it once myself and the small transactions were for multiple on th... See more

Company replied

Rated 1 out of 5 stars

Mettle has consistently been the worst banking experience I’ve had. My business has suffered due to ongoing issues with their app. transactions declined without reason. Trying to get support is tr... See more

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Rated 1 out of 5 stars

Was already reluctant opening an account with a Natwest owned company given a terrible previous experience with this bank. But thought I'd give them a second try. Got two minutes into the opening pr... See more

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Rated 1 out of 5 stars

Awful bank, they took money out of our company account and said their was a valid direct debit. Refused to provide evidence. Withheld the money and froze account. Ombudsman ruled in our favour. They s... See more

Rated 1 out of 5 stars

Appaling service, our company manager applied for a business account more than 10 days ago and we are still waiting for a response. Even customer service are not able to provide an exact time frame. A... See more

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Rated 1 out of 5 stars

Horrendous. Got messages saying I needed to change to a different account with them and that everything would switch over. Found out today that they won’t be switching my account over and that I’m not... See more

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Rated 2 out of 5 stars

Other than a standard response telling me they have "unusual demand" (where have I heard that before, perhaps they might want to use COVID as a reason??!!) I have no idea when my account is going to... See more

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Rated 1 out of 5 stars

0-Star Review — Mettle Business Account Thank God I never used Mettle for my main business expenses. I’d always heard mixed things, so I was careful from the start. Recently, someone randomly m... See more

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Rated 1 out of 5 stars

AVOID AVOID AVOID Decided to close my account with no notice and completely left me in the dark with all my direct debits due to come out 1 day later. Absolutely disgusting to treat cust... See more

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Rated 1 out of 5 stars

I was told opening an account would take 3 days, yet I’ve been waiting 8 days and still nothing. The only response I’ve had is that they’re “busy,” which isn’t exactly reassuring. If the process routi... See more

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Rated 2 out of 5 stars

Opening and using the account through the app was seamless and a positive experience. I've been trying to close my account for over 2 months with little to no response from Mettle. They have my money... See more

Rated 1 out of 5 stars

Can’t even get past the onboarding part. Answering the same questions again and again almost a month after completing the application. No updates, be reasons why the same information is being reques... See more

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Rated 2 out of 5 stars

Account usually set up within 72 hours. Applied 9th October, still waiting. I have been advised by Mettle they currently have a backlog. This Bank is owned by NATWEST and I expected such a big comp... See more

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Rated 1 out of 5 stars

I tried opening a Mettle account (Part of Natwest) You can only do it online, they asked lots of questions, which was fine, I typed that I was dyslexic, I preferred to speak to someone, I typed and as... See more

Company replied

Rated 1 out of 5 stars

Literally the worst banking service ever provided. Unresponsive chat, closed my account after asking for a new business address, (It hadn't changed,) and the email was sent to the old email address. A... See more

Rated 1 out of 5 stars

Total waste of time!!! First stuck in endless loop of waiting up to 72h review of application and complaining to chase it. That took 4 weeks! Reason was rejected application from 2 years ago for anoth... See more

Rated 1 out of 5 stars

Moved my account to Mettle from Tide because the reviews looked good and Tide were a bit rubbish with customer service. My account had been running faultlessly for weeks but this past three... See more

Rated 1 out of 5 stars

Despicable. Cost me thousands in losses. Closed account and locked funds for 8 days for no reason what so ever. Appalling. Absolutely appalling. Lost all trust in this bank. A Shambles. Never over d... See more

Company replied

Rated 1 out of 5 stars

Trying to open an account, its been 8 days since I applied and have had little to no communication about it apart from some vague message saying they're busy and can't give a time frame. When I raised... See more

Rated 1 out of 5 stars

Took over a week to open the account....I gave up in the end. Conflicting messages via email and the agent chat in the app. In over 20 exchanges on the app, only 10% were answered in less than 12 hour... See more

Company replied

Rated 1 out of 5 stars

I tried my best to set up a new business account with Mettle mid November. Feeling assured by their 72 hour review period I provided all the necessary business information that was asked and waite... See more

Rated 1 out of 5 stars

The product is fine, but my account gets blocked once or twice a month whenever I try to transfer money to a high-interest savings account! Each time it's blocked, I have to contact customer support,... See more

Rated 1 out of 5 stars

I have been banking with NatWest for 25 years and decided to open a business account with Mettle owenedby NatWest However, after more than a week of waiting with no response, we chose to open... See more

Rated 1 out of 5 stars

STAY WELL CLEAR! I cannot warn people enough away from using Mettle. They impose incredibly tight restrictions on you (but naturally don't advertise these clearly when you're setting up the account)... See more

Company replied


Company details

  1. Bank

About Mettle

Written by the company

Mettle is the free business bank account by NatWest that helps small businesses get paid faster and better manage their finances. It’s built for small businesses, startups, limited companies and sole traders.

Customers can apply for an account in minutes, create and send customised invoices and connect to accounting software to help keep track of their books. The account comes with a UK account number and sort code and an in-app chat feature so that customers can speak to real people when they need help.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

5K reviews

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Rated 5 out of 5 stars

I would highly recommend Mettle Banking

I have been business banking with Mettle since I set up my company and they have been great,it is so much easier with them,when I had a problem with my account they were able to give support and immediately sorted out the issue,I would recommend them to any of my friends and acquaintances who are looking for a reliable bank with great service

February 12, 2026
Unprompted review
Rated 5 out of 5 stars

Excellent customer service

Excellent customer service. When my card was cloned they worked fast to ensure it was blocked and a new card was sent, almost before I was aware of the issue! The small amount that was taken, was repaid next day. Thank you.

February 12, 2026
Unprompted review
Rated 5 out of 5 stars

Really good service 👏 👍🏽

Really good service 👏 👍🏽, quick fixed fraud on line and quick returned money back in account, best steps taken by the customerservice, adviced to deactivate my card. Fantastic, abd sending me new card. Thanks 👍🏽

February 12, 2026
Unprompted review
Rated 2 out of 5 stars

Really, really poor

Seems easy and usable.
After 12months of use.
They attempt to close and account with a turnover of >£200k. They appoloies and leave it open (took the accountant my side to stop them).
Then 3 months later they cancel the debit card.
No response in the app - they dont speak with you on the phone (applications they do, but not acutal customers).
Long queues and pointless email responses as though they havent read the email sent to them.
The app is just a useless chat bot.
Really, really poor

February 11, 2026
Unprompted review
Rated 4 out of 5 stars

Over 2 years and no real issues

Over 2 years and no real issues. Dependable and Solid.

February 10, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 1 out of 5 stars

Avoid this company at all costs - FRAUD

Avoid this company at all costs. We have had thousands of pounds stolen from our account and Mettle have no contact number for a fraud team and the phone line they do have is only open set hours and no one EVER answers it. They have a chat line that an AI bot is on and can not help in any way. This occurred Friday and we have still not heard back from the company - we have emailed their chat line and emailed the support email address several times, with no response. Since then, we have also had a further 3 attempts to remove additional thousands from our bank account. Fortunately, we had moved the remaining funds to a proper bank account with real people you can contact and emergency fraud phone numbers. If you want your money to be safe - DO NOT use this comedy bank service!!!

February 6, 2026
Unprompted review
Rated 1 out of 5 stars

Multiple Fraudulent transactions

As I seen with others on here, two days ago several frauds transactions appeared on my account using my debit card. Ive only ever used it once myself and the small transactions were for multiple on the same account and company. I tried to use the in App chat but there was a message saying they had lots of complaints about unauthorised transactions so they were busy. I called the helpline and debit card was cancelled. Even so, new transactions today, all be it they were declined. The response from the bank was “ we are investigating my claim “ Its so obvious the bank has an issue, yet no apology for now not having a debt card for 5 days and no explanation. This reaction is far too slow and not reassuring at all that the bank is in control of my account. Im amazed at such a poor response.

February 8, 2026
Unprompted review
Mettle logo

Reply from Mettle

Hi there, we’re sorry to hear this and understand your frustration.
So that we can look into this for you, please drop us a message at [email protected] and we’ll be happy to investigate this further.

Rated 5 out of 5 stars

Great bank for small businesses

I have been using mettle for about 12 months now and I can honestly say, I have found them to be really good and helpful. You also have free agent on there to help with your accounts. I have also recently had an issue with unauthorised money being taken out of my bank via card payments. They have sorted it straight away and refunded any money owed back into my account.

February 9, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 5 out of 5 stars

Great Customer Service

I had various amounts taken from my account it was out of hours but I read on there to freeze my card which I did, which stopped them taking any more money. They investigated it and are sending me a new card and will reimburse all the money taken from scammers. Keep an eye on your account and if you see anything you don’t recognise freeze card immediately and contact your bank.

I love Mettle and it’s been brilliant for my small business.

Highly recommend them, their customer service is amazing.

February 9, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 1 out of 5 stars

Seemed like a solid account and came…

Seemed like a solid account and came with accounting software. However, they're impossible to contact if you have a problem, I've had £3000 taken from the account by a clone fraud and then a new attempt at a further £2500. I called on the first and tried to call and msg for the send payments but they're non existent. I'll have to wait for a reply then my funds back, after that I'll move asap to a account that has physical support not AI and one person sorting the mess out. I'm not the only one they're 100s of people in the same boat.

Update! I've contacted the support and in app, I have had nothing and still they're trying thousands a day to take from the account! Helps non existent!

February 6, 2026
Unprompted review
Mettle logo

Reply from Mettle

Hi there, we’re sorry to hear this and understand your frustration.
So that we can look into this for you, please drop us a message at [email protected] and we’ll be happy to investigate this further.

Rated 1 out of 5 stars

I was really happy with mettle until…

I was really happy with mettle until last night when I saw 37 withdrawals within 36 hrs from 4 different unrecognised companies. 30 of them were from the same one for the same account for the same account. As it’s outside their working hours and the weekend there’s no one to call or contact via online chat!. I froze the card and asked for a replacement card but I don’t feel reassured as someone is still attempting to withdraw money. The bank should have a system to stop this , reassure me and have a 24/7 fraud line. I’m going to find a bank that has this facility. Terrible that this can happen not only with a bank but a business back! I read that there are others that have complained about the same thing.

February 7, 2026
Unprompted review
Mettle logo

Reply from Mettle

Hi there, we’re sorry to hear this and understand your frustration.
So that we can look into this for you, please drop us a message at [email protected] and we’ll be happy to investigate this further.

Rated 5 out of 5 stars

Swift Response

Hit by a scammer. Contacted Customer Support and Fraud Team. Case reviewed and dealt with in a swift manner. Stress alleviated. Well done team 👏🏻👏🏻👏🏻

February 6, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 5 out of 5 stars

I love the ease of use of the app

I love the ease of use of the app. Accounting is easy and managing the business is a dream!
The customer service is very very good!!

February 2, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 1 out of 5 stars

I am an existing Natwest customer and…

I am an existing Natwest customer and applied to Mettle over a month ago. The only correspondence so far was a non-reply message two weeks ago apologising for the delay. I've tried to contact them to no avail.
I suppose I will need to apply elsewhere if this is the standard of customer service I can expect. If zero stars was available that would be more appropriate as they have wasted my time and been detrimental to my business.

February 1, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thanks for sharing your feedback, we're sorry to hear that you weren't satisfied with the process of opening an account with us.

We have a regulatory requirement to undertake certain checks on each business before opening an account. If you want to chat about this, please contact us at [email protected] or in-app.

Rated 5 out of 5 stars

Business banked with Mettle for a few…

Business banked with Mettle for a few years now. Really happy with the account, level of service, app and the ability to chat to customer service. Highly recommend them as a banking option.

January 30, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 5 out of 5 stars

First time in

Just opened an account. Pretty seamless so far.

January 29, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 5 out of 5 stars

Easy to set up and use

Easy to set up and use

January 29, 2026
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 4 out of 5 stars

Great for new businesses

Great simple bank if you are a new business, also FreeAgent included which is a big bonus. They need to introduce IBAN numbers though so can do international payments as I’ve had to go elsewhere for this.

January 28, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

Rated 5 out of 5 stars

Fabulous bank for ltd company,free…

Fabulous bank for ltd company,free ,easy on hand help always ,I cannot fault them they even got me money back of a scammer ,which I never thought I would of seen that £300 again ,very helpful and online chat is great used to be instant replying,bit slower now ,maybe they are getting bigger but still good
Thanks mettle 10/10

January 15, 2026
Unprompted review
Mettle logo

Reply from Mettle

Thank you for sharing your experience. We're really happy to hear that you're enjoying your Mettle account.

We love hearing from you, so please drop us a line at [email protected] or through your in-app chat at any time if you have any feedback.

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