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Mettle is a digital-first business bank account offered by NatWest, specifically designed to support UK-based sole traders and limited companies with up to two owners. It aims to simplify financial management for small businesses by providing tools for invoicing, expense tracking, categorising transactions, and preparing for tax returns. Mettle operates as an e-money account, with customer funds held in a ring-fenced NatWest account, and is part of the NatWest Group's innovation efforts to cater to the evolving needs of modern small businesses. The platform focuses on providing a free, user-friendly mobile banking experience.
Serves as the main operational hub for Mettle's product development, technology, marketing, customer support strategy, and business operations, leveraging NatWest's broader infrastructure and expertise.
Located within a significant NatWest corporate building in London's primary financial district, offering access to modern office facilities and a collaborative environment conducive to fintech innovation.
Mettle fosters a dynamic, agile, and tech-driven work culture, characteristic of a fintech startup, while benefiting from the stability and resources of its parent, NatWest Group. The culture emphasizes customer-centricity, innovation, and collaborative problem-solving to serve small businesses effectively.
The London headquarters is significant as it places Mettle at the heart of the UK's fintech scene, facilitating talent acquisition, partnerships, and close alignment with NatWest Group's strategic digital initiatives.
Mettle is currently focused on serving businesses registered and operating within the United Kingdom. As a digital product of NatWest Group, which has a broader international footprint, Mettle itself is specifically tailored for the UK SME market. Its services are digitally accessible across the UK, but it does not currently offer accounts or services to businesses based outside the United Kingdom.
250 Bishopsgate
London
England
United Kingdom
Address: NatWest Group HQ, Gogarburn, Edinburgh, EH12 1HQ (as part of NatWest Group)
Access to NatWest Group's core technology infrastructure, cybersecurity, compliance frameworks, and a wide talent pool in Scotland, supporting Mettle's robust service delivery and development within the UK market.
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As of April 2025, Mettle' leadership includes:
Mettle has been backed by several prominent investors over the years, including:
No major, publicly announced executive hires or departures specifically for Mettle's core leadership team have been identified within the last 12 months (mid-2023 to mid-2024). Andy Ellis's appointment as CEO occurred in April 2023, slightly outside this 12-month window. Leadership roles and team composition may evolve internally within the NatWest Group structure without widespread public announcements for Mettle specifically.
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Mettle, being part of NatWest Group, likely uses email formats consistent with NatWest Group's corporate standards for its employees. Common professional email patterns typically involve combinations of first name and last name. For Mettle-specific communications, emails would likely use the @mettle.co.uk domain.
Common formats: [first].[last]@mettle.co.uk or [f][last]@mettle.co.uk. Example: jane.doe@mettle.co.uk
Format
john.smith@mettle.co.uk
Example
75%
Success rate
AltFi • February 28, 2024
Mettle, NatWest's digital business account, celebrated its fifth anniversary by announcing that its users have created over one million invoices through its platform, totaling over £1.25 billion. The company also highlighted strong customer growth and adoption of its invoicing features....more
ThePaypers • October 25, 2023
Mettle partnered with Plaid to enable Open Banking-powered payments for its customers. This collaboration allows Mettle users to make faster and more secure account-to-account payments directly from their Mettle app, enhancing the payment experience....more
Fintech Finance News • September 27, 2023
Mettle enabled Tap to Pay on iPhone for its UK small business customers. This feature allows businesses to accept contactless payments using only an iPhone and the Mettle app, eliminating the need for additional payment hardware....more
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