Mettle Referral Discount Code 2026: Get £50 Free Business Account Credit (UK)

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.

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Quick Answer: How to Get the £50 Mettle Referral Bonus (2026)

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.

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What Is the Mettle Referral Program?

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:

• You do not need a referral link to sign up
• The referral code is entered after your account is approved
• The code only becomes available once your first card payment has cleared

This structure helps Mettle ensure all referrals meet eligibility and compliance requirements.

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How to Claim Your £50 Mettle Referral Bonus?

Step 1: Apply for a Mettle Business Account

Download the Mettle app from the App Store or Google Play and apply as a UK sole trader or limited company.

Step 2: Verify Your Business

As a NatWest-backed bank, Mettle may request proof of business activity. This can include:

• A business website or social profile
• Recent invoices
• Seller profiles (e.g. Etsy, Amazon, Shopify)

Step 3: Activate Your Debit Card

Once approved, activate your physical or digital Mettle card. Apple Pay and Google Pay are supported.

Step 4: Make One Card Payment

Make one card payment of any amount for a business expense. Even a small purchase qualifies.

Step 5: Wait for the Payment to Clear

The “Redeem a code” option appears only after the transaction changes from Pending to Completed.

Step 6: Enter the Referral Code

Open the app and go to Account → Redeem a code, then enter [HTLSB].

Step 7: Receive Your £50 Credit

The £50 referral reward is typically credited to your Mettle account within 30 days.

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Mettle Referral Code Eligibility Requirements (2026)

To qualify for the £50 bonus, you must meet the following conditions:

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Why Choose Mettle for Your Business Account?

Backed by a Major UK Bank

Mettle is part of the NatWest Group, providing strong financial security and regulatory oversight.

No Monthly Fees

There are no account maintenance fees, making it ideal for startups and small businesses.

Free FreeAgent Accounting Software

Eligible users receive free access to FreeAgent, a leading UK accounting platform worth over £300 per year.

Built for UK Small Businesses

Mettle is designed specifically for freelancers, contractors, and limited companies operating in the UK.

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Frequently Asked Questions (2026)

Is the £50 Mettle referral bonus real money?

Yes. The £50 is credited directly to your Mettle business account and can be used for business expenses.

Do I need to spend £50 to get £50?

No. You only need to make one card payment of any amount, even £1.

Do Apple Pay or Google Pay transactions count?

Yes. Mobile wallet payments count as qualifying transactions.

How long does it take to receive the bonus?

The referral credit is usually paid within 30 days after the code is successfully verified.

Can I combine this with the FreeAgent offer?

Yes. The £50 referral bonus and free FreeAgent accounting software can be used together if you are eligible.