Mettle review
A no-maintenance-fee UK business account with practical tools for sole traders.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Mettle is a UK business bank account and app for sole traders and limited companies with up to two owners. It combines account management with invoicing, receipt uploads, transaction categorisation and tax pots, making it a focused option for small businesses that want banking and routine finance admin together. The core account has no maintenance fee, and the service is available on web, iOS and Android.
The free Mettle account covers customisable invoices with status tracking, receipt uploads linked to transactions, and automatic transfers of a percentage of incoming payments into a tax pot. Cash deposits are available through Post Office branches. Mettle can also receive international payments in supported currencies and convert them to GBP; it does not offer outbound international payments. Scheduled payments, Direct Debits and standing orders cover common payment tasks. This mix is useful for a UK sole trader who needs local business banking and admin features, but it is not a fit for someone seeking international transfers in both directions.
Accounting links are a key part of the proposition: Mettle syncs with FreeAgent, Xero and QuickBooks. Mettle+ costs £4 per month and adds quotes, the ability to convert quotes into invoices, and custom messaging templates. That upgrade is relevant to businesses that quote for work before billing, while businesses that invoice directly may find the no-fee account sufficient. Its business-only scope and lack of outbound international payments make it narrower than a general-purpose neobank; choose it for integrated UK business admin rather than broader personal banking needs.
Mettle pros and cons
- Where it wins
- No account-maintenance fee on the Mettle account
- Syncs with FreeAgent, Xero and QuickBooks
- Cash deposits and automatic tax-pot transfers support day-to-day admin
- Where it doesn't
- Business-only account for sole traders and limited companies with up to two owners
- Mettle+ is required for quotes and custom messaging templates
- Can receive international payments but does not offer outbound international payments
Mettle fact sheet, pricing and score →
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