Provider profile · Last 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.
By the editorial team. We have no commercial relationship with Mettle by NatWest, and links to it are not affiliate links. All accounts we've researched.
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.
Check Mettle by NatWest's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
Not an affiliate link.
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.