Mettle

Mettle is a digital-first business bank account designed specifically for the self-employed, including sole traders, freelancers, and small limited companies. Launched in 2018 as a separate venture by NatWest, Mettle operates with the agility of a fintech startup while leveraging the security and regulatory backing of a major UK bank. The company's mission is to simplify financial management for small business owners, providing them with tools that go beyond traditional banking services.

The Mettle app offers a suite of features tailored to the unique needs of the self-employed economy. These include the ability to create and send customised invoices directly from a mobile device, automated bookkeeping capabilities, and integration with leading accounting software such as FreeAgent, Xero, and QuickBooks. Mettle also provides tax estimation tools to help users set aside the correct amount for their tax bills, reducing administrative burdens. Operating as a remote-first company, Mettle fosters a culture of innovation and autonomy, utilizing a modern cloud-based technology stack to deliver rapid product enhancements and a seamless user experience.