Mettle Reviews 

Terrible service and company culture. Has an awful experience with a complaint and it was dealt with very poorly. Avoid!

Someone used my card and i contact mettle within 12h got the money back!!
Thank you to the whole team

It was easy enough for me to get through to customer service to deal with the problem. And Later transferred me towards to fraud department and my problem solves in a few days.

This bank asked me over and over and over same questions which I gave you many times. All of the sudden they closed my bank account. When I call them they want all my ID info but when I asked what questions they havent got their agent said it is private info.
We are closing all accounts here. Absolute crap. Avoid on all cost.

Superb service, fraudulent card transactions on my account were declined once the issue was detected. This happened late in a Friday evening. My card had been frozen before I even realised it was happening the next day, which freaked me out. I was given total peace of mind the next day when speaking with the customer service team and the fraud department sorted a new card and refunds the same day. A total of 9 transactions had been made all within minutes of each other totalling near £150, all refunded by mettle. My best decision ever was to use them for my business bank account.

Trying to set up a business bank account, still waiting after 8 full days... Awful customer service!

Easy to use, online and over the phone help always super useful and easy to access.

Set up my business account (for a simple comms consultancy business). Took a while, but was an ok experience. Then, a week later (without me having used it at all) they closed it and told me they couldn't tell me why. I complained and they held their line. Weird and very frustrating.

I have banked with Mettle for years, but repeated misinformation and poor communication have left me frustrated and created unnecessary additional work that they initiated.
A couple of years ago, I was required to close my account and open a new one, forcing me to update all businesses paying into it. Later, when I switched from sole trader to Ltd, I specifically asked if there was anything else I needed to do and was told "NO". Less than a year later, I was informed this year that I needed to open a Ltd account and was given a deadline to do this.
The final straw came on 27th and today, 28th October 2026 when card payments were declined and my account was effectively blocked during a review. I had to make contact to find out reasons why this had happened. "Account maintenance team" Mettle's explanation was: "Unfortunately, we are not able to predict when the automated system will Flag..... "
"We're required to carry out a review of customer accounts from time to time to ensure they're secure and funds are protected..."

The issue isn't the review itself, it's that Mettle restricted access to my account without any prior communication, yet they say they cannot even have control over this, which meant that it prevented money from going in or out. I have no idea how long this was happening, and mettle have stated that I now I am expected to contact affected companies and ask them to resend payments that should have been paid in!!!
Due to the repeated incorrect advice, lack of communication, and disruption caused to my business, I have decided to move my banking elsewhere and close my Mettle account.
Information I feel you should be made aware of, and not in the small print of several pages of Terms and Conditions either. (If they state this when you opened the account)

Do not recommend! I applied for business account on 6th of October and still don't have it open. Tried multiple times to ask what is taking so long. I haven't been asked for any additional documents so no idea what is going on. Very disappointing 😞

After fraudulent activity on my card, I cancelled it and was told a replacement would be sent. Two weeks later, nothing had arrived. I called again, and a second replacement finally turned up. Exactly the same thing happened to me last year.

Then came the trouble adding the replacement card to Apple Wallet. I was told to call Metro Bank to activate it. After calling, I was promised it would be sorted within 24 hours. Two days later, it still wasn’t working. More calls and more assurances followed before it was finally added.

But the problem still wasn’t resolved. Contactless payments using my phone failed at three different retailers.

Staff keep telling me Apple Pay is working because they can see successful transactions. I have repeatedly explained that those were payments made within my phone, not by tapping it at a shop terminal. My other bank cards work perfectly well through Apple Pay at terminals.

My latest call was with someone called Robbie, who repeatedly spoke over me and kept telling me, “This is the process.” I felt patronised rather than listened to. Explaining the process doesn’t resolve the fact that I still cannot use the card through Apple Pay in shops.

The repeated calls, missed timescales and assurances that haven’t been fulfilled have wasted far too much of my time.

Metro Bank needs to improve its service, communication and ability to listen to customers and resolve problems. Based on this experience, I wouldn’t recommend them.

I am going to say that my business account I've had with Mettle has been great.. People have been saying Mobso this Monso that.. I had a terrible experience with them.. not helpful at all. I had a payment on my account with Mettle I didnt recognise they delt with it quickly and made me feel at easy. And sorted it quickly..love it.. ❤️ Thank you Mettle 👏👏

Free and easy business banking for small business's. Top service thank you

Mettle is great and their customer service is second to none. I got a reply in 2 minutes on a sunday morning regarding an issue with a fraudulent transaction on my account (which was automatically blocked anyway) Highly recommend

Really impressed with Mettle

I recently had a serious fraud issue on my account and, to be honest, I was extremely worried about losing the money.

I contacted Mettle straight away and explained what had happened. The whole process was much easier and quicker than I expected. The team were helpful, understanding and took my case seriously.

They investigated everything, asked me for some information and evidence, and then came back with the decision that I would receive a full refund.

I honestly wasn't expecting it to be resolved so quickly, especially considering the amount of money involved.

Really happy with how Mettle handled the situation from start to finish. When something like this happens, you really appreciate having a bank that actually listens and helps.

Thank you to everyone at Mettle who helped me!

Poor bank with limited features and they are not members of the switching service so you have to do everything manually. They got details of my account setup wrong and made a shambles along with other issues.
Pay peanuts,,,,,as the saying go's.
Personally wouldn't bother here.

Amazing, so far!

Absolutely seamless - great app- everything is simple

I applied for a Mettle business account and provided all the information and explanations requested during the verification process.

Despite answering their questions and providing supporting documentation, my application was ultimately rejected with a generic message saying they were “unable to support” my business.

The biggest issue is that Mettle refused to explain what information was insufficient or what the actual problem was. I understand the need for compliance checks, but asking customers for extensive information and then providing no meaningful explanation for the decision is extremely frustrating.

Being told they “can’t comment further” makes the entire process feel completely opaque.

Very disappointing experience and, based on this experience, I would not recommend Mettle for business banking.