Mettle

Mettle

Mettle is a free business account built specifically for sole traders, freelancers and small limited companies — the people who don’t need enterprise banking features and don’t want to pay monthly fees for a business account they barely use.

There are no monthly fees, no minimum balance requirements, and no charges for standard UK payments. You get instant invoicing, receipt capture, categorised transactions, and Xero and QuickBooks integrations — all from your phone.

For sole traders who’ve been running their business through a personal account and feel the growing itch to separate things properly, Mettle is one of the calmest ways to make the switch. Setting up takes minutes, not weeks.

Backed by NatWest but built as its own product, so it’s a proper regulated UK business account — not a fintech add-on.

Best for: Sole traders, freelancers and small limited companies who want a genuine UK business account without monthly fees.

The offer: Mettle is completely free — no monthly fees, no minimum balance, no charges for standard UK payments. Members of The Self Employed Club can open an account via a dedicated Mettle landing page created for us.