Mettle review

Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Mettle gives beginners and small businesses a free plan with bank feeds in the United Kingdom, so entry cost is nothing. The paid step up is modest at £4, though the package is narrow: 1 user, apps for ios and a registered agent Not offered.

Key facts

Best for
A free plan with bank feeds for beginners and small businesses in the United Kingdom
Price from
£4 (Source, checked September 26, 2026)
Free plan
Yes (Source, checked September 26, 2026)
Local compliance
Mtd-itsa (Source, checked September 26, 2026)
Users included
1 (Source, checked September 26, 2026)
Bank feeds
Yes (Source, checked September 26, 2026)
Platforms
iOS (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Beginners, Small business
Pricing model
Free plan
Official website
mettle.co.uk

Company formation

Package price from
£0 (Source, checked September 26, 2026)
State fee included
No (Source, checked September 26, 2026)
Registered agent
Not offered (Source, checked September 26, 2026)
Jurisdictions
GB (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Beginners, Small business
Pricing model
Free plan

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • A free plan is included, so the accounts can start at no cost.
  • Bank feeds are included, so transactions pull in from the start.
  • Support runs on email, chat and phone.
  • Mettle Plus at £4 sits under Qonto at €9 and Accountable at €9.90.

Cons

  • Only 1 user is included on the plan.
  • Registered agent: Not offered in the company formation package, and the state fee is not included.
  • Mobile apps are listed for ios.
Mettle

Ready to try Mettle?

Scored 9.3 / 10 by ForgeCue.

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Who it suits

  • Beginners and sole traders who want free accounting with bank feeds in the United Kingdom.
  • Small businesses that need mtd itsa filings handled and can work with 1 user.
  • Owners who will pay later, since Mettle Plus starts at £4 once the free plan feels tight.

Who should look elsewhere

  • Businesses trading outside GB, where Mettle does not run; Qonto at €9 and Accountable at €9.90 are the alternatives to check.
  • Multi-user teams, since the plan includes 1 user; compare Accountable at €9.90 first.
  • Formation buyers who want a registered agent and state fee included, since Mettle's registered agent is Not offered; check Billy at DKK 160.

How Mettle compares

Where Mettle is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Mettle cost to start?+

Mettle has a free plan, so the accounting side can start at no cost. Once you outgrow it, Mettle Plus starts at £4. For comparison, Qonto starts at €9, Accountable at €9.90 and Billy at DKK 160.

Does Mettle have a free plan?+

Yes. Mettle lists a free plan alongside Mettle Plus, which starts at £4, so you can run the accounts at no cost and only pay once you want the paid tier. Bank feeds are part of the package too.

Which UK tax returns does Mettle cover?+

Mettle covers mtd itsa and runs in GB only, so it suits a business whose filing duties are limited to UK self-assessment and on-account tax. A business filing outside GB needs a different tool.

How many users can use Mettle?+

The plan includes 1 user, so Mettle is a single-user setup. A growing team would need to look at a plan built for more seats, such as Qonto at €9 or Accountable at €9.90, rather than sharing a login.

How do I get support from Mettle?+

Support runs on email, chat and phone, so help is available by phone and chat as well as by email, plus a help centre for self-service. For a small team, a phone line is often the deciding factor.

Is there a Mettle mobile app?+

The listed platform is ios, so the Mettle app covers Apple devices. That is worth checking before signing up if your team works on Android, since the listed platform list shows no Android entry.

Can Mettle register my company?+

Company formation is not the strength here. A registered agent is Not offered and the state fee is not included, so anyone shopping for incorporation should compare Billy at DKK 160 before choosing Mettle.

Who is Mettle built for?+

Mettle lists beginners and small business as its audience, so beginners and small businesses are the target. A free plan with bank feeds, mtd itsa coverage and a paid tier from £4 suits a new business keeping costs flat. Bigger teams will outgrow the 1 user plan.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free trial length.

Mettle

Mettle

A free plan with bank feeds for beginners and small businesses in the United Kingdom

9.3/10See alternatives

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