If you're opening a UK business account, the Mettle referral code gives you £50 free account credit once you complete a simple card payment. Mettle is a NatWest-backed digital business account designed for sole traders and limited companies, with no monthly fees and free FreeAgent accounting software included.
Account Credit
typically within a few weeks of switch
HTLSB
To get the £50 Mettle referral bonus in 2026, download the Mettle app and apply for a UK business account as a sole trader or limited company. Once approved, activate your debit card and make one card payment of any amount within 30 days. After the payment is marked as Completed (not Pending), open the app, go to Account → Redeem a code, and enter a valid referral code such as [HTLSB].
The £50 account credit is usually paid into your Mettle business account within 30 days. You must be a new customer and must not have held a Mettle account in the previous 12 months.
The Mettle referral program rewards new UK business customers with £50 in account credit when they successfully open an account and complete a qualifying card transaction.
Unlike traditional refer-a-friend links, Mettle uses an in-app referral code system. This means:
This structure helps Mettle ensure all referrals meet eligibility and compliance requirements.
Download the Mettle app from the App Store or Google Play and apply as a UK sole trader or limited company.
As a NatWest-backed bank, Mettle may request proof of business activity. This can include:
Once approved, activate your physical or digital Mettle card. Apple Pay and Google Pay are supported.
Make one card payment of any amount for a business expense. Even a small purchase qualifies.
The “Redeem a code” option appears only after the transaction changes from Pending to Completed.
Open the app and go to Account → Redeem a code, then enter [HTLSB].
The £50 referral reward is typically credited to your Mettle account within 30 days.
To qualify for the £50 bonus, you must meet the following conditions:
| Requirement | Details |
|---|---|
| Customer Status | New Mettle customers only |
| Previous Accounts | Must not have held a Mettle account in the last 12 months |
| Location | UK tax resident |
| Age | 18 years or older |
| Business Type | Sole traders or limited companies |
| Ownership Limit | Up to 2 owners |
Mettle is part of the NatWest Group, providing strong financial security and regulatory oversight.
There are no account maintenance fees, making it ideal for startups and small businesses.
Eligible users receive free access to FreeAgent, a leading UK accounting platform worth over £300 per year.
Mettle is designed specifically for freelancers, contractors, and limited companies operating in the UK.
Yes. The £50 is credited directly to your Mettle business account and can be used for business expenses.
No. You only need to make one card payment of any amount, even £1.
Yes. Mobile wallet payments count as qualifying transactions.
The referral credit is usually paid within 30 days after the code is successfully verified.
Yes. The £50 referral bonus and free FreeAgent accounting software can be used together if you are eligible.
ScottishPower