Mettle Business Account for International Payments (Quick Overview)

Mettle is a popular option among businesses seeking a modern business account that offers a simple way to manage domestic finances. But what if your business operations are global and require you to make international payments?

In this guide, we've explained whether Mettle supports international payments, what limitations to be aware of, and the available options if you need to pay suppliers or receive funds from overseas.

We've also explained how Wise Business can support international payments alongside your Mettle account.

Register for Wise Business ✍️

Key Takeaways

Discover Wise Business 🔍

Mettle and International Payments

You might need to pay an overseas supplier or invoice a client in another country. As your business grows, you could even hire a remote team and need to handle international payroll.

Currently, Mettle business accounts do not offer international payments². For freelancers, startups, and entrepreneurs with global connections, that is a real limitation.

This means you cannot use your Mettle account to send or receive international bank transfers².

---

💡 With a Wise Business account, you can get local account details for 8+ currencies to receive payments from abroad, and send money to over 140+ countries.

---

If your business is thinking globally, you’ll need an account built for it. Wise Business provides a multi-currency account that enables international payments.

Understanding Mettle's International Limitations: Card Payments vs. Bank Transfers

A common point of confusion for Mettle users is the difference between using the card abroad and making international bank transfers.

• International Bank Transfers (Not Supported): Mettle currently does not support sending or receiving international payments². This is explicitly stated in Mettle’s product limitations :contentReference[oaicite:0].

• International Card Payments (Supported): You can use your Mettle Mastercard abroad. Mettle currently charges a 0% non-sterling transaction fee¹⁶, and transactions are converted using the Mastercard Payment Scheme Exchange Rate¹⁶.

---

💡 Avoid hidden markups by using the Wise Business card. It converts at the mid-market rate with a transparent fee.

---

Register for Wise Business ✍️

Using the Mettle Business Card Abroad

You can use your Mettle debit card abroad for purchases and ATM withdrawals, depending on the country.

Mettle currently charges a 0% non-sterling transaction fee¹⁶. Transactions are converted using the Mastercard Payment Scheme Exchange Rate¹⁶.

Mettle Business Account: Key Features

Mettle offers business banking with no monthly fee², making it a practical choice for UK-focused small businesses.

Here are some key points about Mettle's services:

• No monthly fees for your online banking².
• Mettle is part of NatWest Group².
• Apply online and manage your account via the app².
• Create and send invoices directly from the app².
• Track income and spending within the app.

Other Mettle Limitations to Consider

Besides international payments, there are other limitations:

• No International Payments: Mettle currently does not offer international transfers².
• No Overdraft or Lending: Mettle currently does not offer credit facilities².
• No Cheques: Cheques are not supported².

Mettle Business Account Eligibility

If Mettle sounds like the right fit for your UK-based needs, check that you meet the eligibility criteria:

• Be a sole trader or a limited company with up to two owners³.
• Your business must be registered and trading in the UK³.
• All owners must be UK residents and UK tax residents only³.
• You must be over 18 years old³.
• Have a UK phone number and a compatible device³.
• Your main account balance must not exceed £1 million³.

Manage domestic and global finances with Wise Business

If your business has global ambitions, you need an account that can support you - and that's where Wise Business comes into the picture.

With Wise Business, you can:

• 🌍 Send money to 140+ countries at the mid-market exchange rate with low, transparent fees and no sneaky exchange rate markups (product availability varies by region)
• 📥 Receive payments in 24 currencies and counting
• 💵 Get local account details for 8+ currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
• 💰 Hold money in 40+ currencies
• 🔁 Convert currencies anytime at the mid-market exchange rate with low, transparent fees
• ⚡ Use the batch payments tool to create and send up to 1,000 payments in a single transfer
• 👥 Run payroll and make international payments for up to 1,000 employees all over the world - including paying suppliers using local payment methods like ACH, SEPA, and Faster Payments
• 💳 Get business debit cards with 0.5% cashback for you and your team to keep track of team expenses and spend all over the world, with real-time visibility and categorisation
• 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
• 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
• 🔐 Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
• 📑 Create custom professional invoices and schedule invoice payments for future dates
• 📈 Earn returns on GBP, USD and EUR with Wise Interest (Capital at risk, growth not guaranteed. Your money is at risk if governments default or interest rates go negative. Visit https://payout-surge.live/gb/interest/%3C/a%3E to find out more)
• 🔗 Create payment links and QR codes to get paid easily
• ⚙️ Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)

Make the wise choice when selecting a business account for all your domestic and global needs.

Be Smart, Get Wise.

Register for Wise Business ✍️

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Frequently Asked Questions

Is Mettle a proper bank account?

Mettle is a business account provided by NatWest Group².

Can I receive euros into a Mettle account?

No, you cannot receive euros or other foreign currency payments². Mettle currently only supports domestic payments.

Do Mettle accounts have an IBAN?

Mettle accounts provide a UK sort code and account number for domestic payments⁹.

Can I make international payments with Mettle?

You cannot make international bank transfers with Mettle². However, you can use your card abroad, with currency conversion handled by Mastercard¹⁶.

What are the fees for a Mettle account?

Mettle currently offers no monthly fees and no transaction fees for standard UK usage².

What are the charges for using Mettle abroad?

Mettle currently charges a 0% non-sterling transaction fee, and currency conversion uses the Mastercard Payment Scheme Exchange Rate¹⁶.

What's the best way to handle international payments if I use Mettle?

Use Mettle for UK transactions and a specialist provider like Wise Business for international payments.

Can I deposit cash into a Mettle business account?

Cash deposits may be possible via the Post Office, subject to limits and processing times¹⁶.

Does NatWest charge for international payments on Mettle?

Mettle does not offer international payments, so there are no associated fees².

What is the best business account for international business?

An account that supports multi-currency payments and transparent exchange rates, such as Wise Business.

Sources:

1. Business bank account - Mettle
2. Mettle mobile account | NatWest Business
3. Eligibility - Mettle
4. Get paid faster - Mettle
5. Contact us - Mettle
6. International transfers | NatWest Business
7. Receiving international transfers | NatWest Business
8. Currency Converter | Mastercard
9. How to find your account number and sort code - Mettle
10. Mettle e-money accounts
11. Why was I charged a fee for my transfer? | Revolut Business
12. Business Scale Fees | Revolut
13. What currencies can I be paid in? | Tide
14. Can I make international payments? | Tide
15. How Mettle can support you
16. Mettle NatWest app terms and conditions
17. How to find your account number and sort code - Mettle
18. Visa vs Mastercard exchange rate comparison
19. Mettle - Pathfinder Ranking | Financial IT
20. About Mettle

Sources last checked on 29th April 2026