Both the Mettle and Revolut business accounts are managed digitally, so you won’t have branch access with either account. Both come with a slick black Mastercard debit card that you can use to spend money in the UK and abroad with no transaction charges. Neither account pays interest on in-credit balances.
Revolut was granted authorisation to become a bank in 2024, but as yet, it’s not operating as one. This means money held in a Revolut business account won’t be protected by the Financial Services Compensation Scheme (FSCS). Mettle operates with NatWest’s banking licence which means your funds are protected up to £85,000 under the FSCS.
Although there are plenty of similarities between the 2 providers’ account features, there are also some key differences.
Customers of Revolut won’t be able to deposit cash or cheque payments into their business account. But while cheque deposits are also not permitted with Mettle, customers can pay in cash up to £500 a time at a Post Office branch or PayPoint.
Both accounts let you freeze and unfreeze your card within the app, and you can also integrate the 2 accounts with accountancy software. However, while Revolut’s account permits international payments and gives you extra cards for your employees, Mettle’s account doesn’t.
Winner: Revolut. It’s close but Revolut offers a wider range of banking features.
There’s no monthly account fee with Mettle and Revolut customers can choose from 4 different pricing plans. Mettle customers can also pay £4 a month for Mettle+ which gives them access to invoicing tools.
There are no fees for payments in or out of either account, or for direct debits. Mettle doesn’t permit international transfers, while Revolut charges a fixed £5 per transfer.
There are no fees for spending on your Revolut or Mettle card in the UK and you can also use contactless payments. The contactless limit is the UK standard of £100.
However, while Mettle customers can also benefit from fee-free cash withdrawals, Revolut charges a 2% fee.
Winner: Mettle wins as you won’t be charged for withdrawing cash at the ATM.
If you use your Mettle or Revolut card for spending overseas, no foreign transaction fees will be charged. However, while Mettle also offers fee-free ATM withdrawals overseas, if you use your Revolut card to withdraw cash abroad, you will pay 2% of the transaction amount.
Winner: Mettle, as you can benefit from fee-free cash withdrawals abroad.
You can sign up for a Mettle or Revolut account with ease through their respective apps. The process is usually quick, although you’ll need to provide a form of ID such as a passport or driving licence. You will also need to provide details about your business and Mettle may request proof that your business is trading – for example, an online presence (website or social media account), a utility bill or a tax return.
No credit check is necessary for either account. However, while Mettle sends your card out free of charge, you may need to pay a delivery fee with Revolut (the amount will be shown in the app when you order your card). Your Mettle card should arrive within 3–5 working days, while your Revolut card can take up to 10 days to be delivered.
Card replacements with Mettle are always free, but Revolut charges £4.99 per replacement.
Winner: Mettle. Although the sign-up process is similar, Mettle doesn’t charge a card delivery or card replacement fee.
Neither Mettle nor Revolut are signed up to the Current Account Switch Service. This means if you wish to switch your business account over to either provider, you’ll need to do so manually.
Both providers can be contacted via their in-app chat and by email. However, while Revolut offers 24/7 access to customer support, you can only contact Mettle Monday to Friday between 8am and 8pm and Saturday and Sunday between 9am and 5pm.
Winner: Revolut, simply because you can seek support 24 hours a day, 7 days a week.
Round 7: Customer reviews
On Trustpilot, Mettle scored 4.6 out of 5 from more than 4,500 reviews (February 2025). Customers praised the built-in accountancy features and ease-of-use, but some said the customer service was poor.
Revolut doesn’t have a dedicated page for business reviews, but overall, it scored 4.3 out of 5 from almost 181,000 reviews (February 2025). Customers said the account was easy to set up and packed with great features, although some also said they’d had problems reaching customer support.
Winner: Mettle.
Overall winner: Is Mettle better than Revolut?
Both of these accounts have a lot to offer businesses, but in this review, Mettle beats Revolut 5-2.
Overall, Mettle charges fewer fees, with no charges for cash withdrawals, card delivery or card replacements. Mettle also permits cash deposits which is crucial for businesses that regularly accept cash payments. Plus, funds held in your Mettle account are protected by the FSCS.
However, the Mettle account won’t be the right choice for all businesses. If your business regularly sends payments to clients or companies overseas or you’re looking for an account that offers additional cards for employees, Revolut will be the better account. Ultimately, it all comes down to what’s more important to your business.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio
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