Mettle Referral Code: HVT3H
If you are a UK sole trader, freelancer or limited-company owner looking for a straightforward business bank account, the Mettle referral code HVT3H could help you get started with an additional £50 free.
To qualify for the referral reward, an eligible new customer must open a Mettle business bank account, complete a qualifying card payment within 30 days of opening the account and enter the referral code HVT3H inside the Mettle app.
Mettle is a digital business bank account provided by NatWest. It combines everyday business banking with invoicing, bookkeeping, money pots, tax tools and access to FreeAgent accounting software.
Mettle referral code: HVT3H
New-customer reward: £50 free
Important requirement: Make an eligible card payment and enter HVT3H in the Mettle app within 30 days of opening your account.
Mettle Referral Offer at a Glance
| Offer detail | Information |
|---|---|
| Provider | Mettle by NatWest |
| Account type | UK business bank account |
| Mettle referral code | HVT3H |
| New-customer reward | £50 free |
| Main qualifying requirement | Make an eligible card payment within 30 days |
| Where to enter the code | Inside the Mettle app |
| Code-entry deadline | Within 30 days of opening the account |
| Eligible business types | Qualifying UK sole traders and limited companies |
| Standard account fee | No monthly account-maintenance fee |
| Application method | Online through the Mettle app |
| Official website | www.mettle.co.uk |
The offer is subject to Mettle’s eligibility checks and current referral terms. Confirm that the referral promotion is available in the app and complete all requirements within the stated deadline.
What Is the Mettle Referral Code?
The Mettle referral code is HVT3H.
Eligible new customers can use this code to claim a £50 referral reward after opening a Mettle business bank account and completing the qualifying steps.
For easy copying, the code is:
HVT3H
The referral code is entered inside the Mettle app. It is not a discount code entered on the public Mettle website and should not be forgotten during the account’s first 30 days.
To qualify, you should:
- Apply for a new Mettle business bank account.
- Complete Mettle’s identity and business verification.
- Wait for the account to be approved.
- Add money to the account.
- Use the Mettle card to make a genuine qualifying card payment.
- Wait for the payment to change from pending to completed.
- Open the Mettle app.
- Go to the Account section.
- Select Redeem a code, or the equivalent promotional-code option shown in the app.
- Enter HVT3H.
- Complete both the card-payment and code-entry requirements within 30 days of opening the account.
- Keep the account open while Mettle verifies the referral.
Once Mettle has confirmed that the referral requirements have been met, the eligible new customer should receive the £50 reward in their Mettle account.
How to Claim £50 With Mettle Referral Code HVT3H
Step 1: Check That You Are Eligible for Mettle
Before applying, make sure that Mettle supports your business type.
Mettle is designed primarily for qualifying:
- Sole traders.
- Freelancers.
- Contractors.
- Consultants.
- Self-employed professionals.
- Side-hustle operators trading as sole traders.
- UK limited companies with a relatively simple ownership structure.
- Small businesses with up to two owners or people with significant control.
Mettle’s current eligibility guidance says the business must be registered and trading in the UK. The applicant must be at least 18, live in the UK, have a UK telephone number and be a UK tax resident only.
For a limited company, the person applying must normally be both a director and a person with significant control. A qualifying company can have no more than two individual people with significant control, and only one owner can access the Mettle account. mettle.co.uk
Step 2: Download the Mettle App
Visit the official Mettle website and follow the application instructions.
You will need a compatible iOS or Android device because the account is opened and managed through the Mettle app. Mettle currently states that Apple users require iOS 16 or later, while Android users require Android 10 or later.
Only download the app through Mettle’s official website, the Apple App Store or the Google Play Store.
Step 3: Complete the Application
During the application, Mettle may ask for:
- Your full legal name.
- Date of birth.
- UK residential address.
- UK telephone number.
- Email address.
- Information about your business.
- Your business name and trading address.
- Your expected account activity.
- The nature of the products or services you provide.
- Details of company directors and people with significant control.
- Proof of identity.
- Supporting information about your business.
Limited-company details may be checked against Companies House records.
Account approval is not guaranteed. As a regulated bank, Mettle must complete identity, eligibility, anti-money-laundering and business checks before deciding whether to open an account.
Step 4: Fund the Account
Once approved, transfer enough money into the Mettle account to make a genuine card purchase.
A transfer into the account is not normally the same as a qualifying card payment. The referral requirement is to use the Mettle card to pay a merchant for an eligible purchase.
A normal business expense might include:
- Office supplies.
- Postage.
- Business software.
- Website hosting.
- Advertising.
- Fuel used for business travel.
- Professional subscriptions.
- Equipment or accessories.
- Stationery.
- Stock or materials.
The purchase should be genuine and should comply with Mettle’s account and referral terms.
Step 5: Make a Card Payment Within 30 Days
Use your Mettle business card to make at least one eligible card payment within 30 days of opening the account.
Do not leave this until the last day. Card payments can initially appear as pending before being fully processed by the merchant.
The safest approach is to make your qualifying purchase shortly after the account is opened and the card is ready to use.
A transfer, cash withdrawal, cash deposit, refunded transaction or payment to yourself may not qualify as a card purchase. Use the Mettle card to buy an ordinary product or service from an independent merchant.
Step 6: Wait for the Payment to Complete
After making the purchase, open the Mettle app and check its status.
The payment may initially appear as pending. Wait until it changes to completed before attempting to redeem the referral code if the code-entry option is not yet visible.
Current referral instructions indicate that the Redeem a code option may only become available once a card payment has been completed.
Step 7: Enter HVT3H in the Mettle App
Once the qualifying card payment has completed:
- Open the Mettle app.
- Select the Account tab.
- Look for Redeem a code.
- Enter HVT3H.
- Check the code carefully.
- Submit the code.
- Keep any confirmation displayed in the app.
Do not add spaces or additional characters. If the code-entry option is not visible, make sure that your card payment is no longer pending.
Both the qualifying card payment and the entry of referral code HVT3H should be completed within 30 days of opening the account.
Step 8: Receive the £50 Reward
After the requirements have been completed, Mettle must verify the referral.
The £50 free reward should then be credited directly to the eligible new customer’s Mettle account. It may not appear immediately because Mettle needs to confirm the account, referral code and card transaction.
Keep the account open and in good standing while the referral is being verified.
Important Mettle Referral Requirements
To give yourself the best chance of receiving the £50, remember these essential conditions:
- You must be eligible for a Mettle business bank account.
- You must successfully open a new account.
- You must complete an eligible card payment.
- The card payment must be made within 30 days of opening the account.
- You must enter HVT3H inside the Mettle app.
- The referral code must also be entered within the required promotional period.
- The card payment should be completed rather than merely pending.
- The transaction must not be refunded or reversed.
- Your account must remain open and comply with Mettle’s terms.
- The offer cannot normally be claimed more than once by the same person.
- Account approval and payment of the reward remain subject to Mettle’s checks.
Do not simply open the account and wait.
To claim the offer, make an eligible card payment and enter HVT3H in the app within 30 days.
What Is Mettle?
Mettle is a digital business bank account created for UK sole traders and small limited companies.
It is provided by National Westminster Bank plc, trading as Mettle. NatWest is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
Unlike an ordinary personal account, Mettle includes tools aimed specifically at business owners. These include invoicing, transaction categorisation, receipt storage, accounting integrations, tax calculations and money pots.
Mettle’s central idea is to combine everyday business banking with some of the financial administration that freelancers and small-business owners would otherwise manage through separate services.
The account includes a UK account number and sort code and can be used to:
- Receive payments from customers.
- Make UK bank transfers.
- Pay business bills.
- Set up Direct Debits.
- Make card purchases.
- Create and send invoices.
- Categorise transactions.
- Upload receipts.
- Separate money into pots.
- Save automatically for tax.
- Connect to accounting software.
- Access the account through the app and web interface.
Mettle says it is designed for sole traders and limited companies with up to two owners, although only one owner can access the account. Mettle
Is Mettle a Real Bank Account?
Yes. The current Mettle business bank account is provided by National Westminster Bank plc trading as Mettle.
Eligible deposits held in the Mettle bank account are protected by the Financial Services Compensation Scheme. The current deposit-protection limit is up to £120,000 per eligible customer across eligible deposits held with the same banking group, rather than a separate £120,000 limit for every NatWest-branded account. mettle.co.uk
This is important because some older Mettle information online refers to a previous electronic-money account. Applicants should check that they are opening the current Mettle bank account and read the applicable account information.
Is the Mettle Business Account Free?
Mettle does not currently charge a standard monthly fee for maintaining its core business bank account.
However, “free business account” does not mean that every possible service is free.
Current published charges include:
| Service | Current published charge |
|---|---|
| Maintaining the standard account | No fee |
| Optional Mettle+ subscription | £4 per month |
| Post Office cash deposit | £2.75 per deposit |
| Cash withdrawal using the card | £1 per withdrawal |
| Replacement card if lost or damaged | £5 |
| Replacement card if stolen | Free |
| Inbound international payment above £10 | £4, plus 1.5% if currency conversion is required |
| Inbound international payment below £10 | No fixed fee, but 1.5% if currency conversion is required |
Charges can change, so check Mettle’s current fee document before opening or using the account. mettle.co.uk
The optional Mettle+ subscription is separate from the standard account. You do not need to subscribe to Mettle+ simply to use the normal Mettle business account or enter the Mettle referral code HVT3H.
Mettle Business Account Features
UK Account Number and Sort Code
Mettle provides the business with its own UK account number and sort code.
These details can be placed on invoices so customers can pay the business directly. Keeping business income separate from personal spending can make it easier to monitor cash flow and prepare accounts.
Mettle Business Card
The account includes a Mettle business card for eligible business spending.
The card can be used for purchases such as:
- Software subscriptions.
- Advertising.
- Travel.
- Equipment.
- Stock.
- Professional fees.
- Office expenses.
- Online services.
A completed purchase using this card is also central to the £50 Mettle referral offer.
Apple Pay and Google Pay
Mettle supports Apple Pay and Google Pay on compatible devices.
This allows eligible customers to make purchases using their phone or another supported device without waiting to use the physical card. Mettle does not charge an additional fee simply for using the card through Apple Pay. mettle.co.uk
If you plan to use a digital wallet for the referral transaction, check that the resulting purchase appears in the Mettle app as a completed card payment.
UK Payments
Mettle can be used to send and receive UK bank payments.
It also supports features including:
- Faster Payments.
- Bacs payments.
- Incoming CHAPS payments.
- Direct Debits.
- Scheduled payments.
- Standing orders.
- Payment notifications.
This makes the account suitable for many everyday small-business transactions.
Customisable Invoices
Mettle lets customers create and send invoices from their phone.
Available invoice-management features include:
- Customisable invoice templates.
- Sending invoices to customers.
- Monitoring whether an invoice has been paid.
- Tracking outstanding invoices.
- Sending reminders to late-paying customers.
- Matching incoming payments to invoices.
- Reconciling multiple payments.
- Converting eligible quotes into invoices through Mettle+.
Mettle can notify you when a customer payment reaches the account and may automatically match the payment to the relevant invoice. Mettle
Receipt Storage
Business owners can upload receipts and associate them with relevant transactions.
Doing this throughout the year can be much easier than attempting to locate every receipt shortly before a tax or accounting deadline.
Transaction Categorisation
Mettle allows payments to be placed into accounting categories.
For example, transactions may be identified as:
- Advertising.
- Travel.
- Software.
- Office costs.
- Professional fees.
- Equipment.
- Cost of sales.
- Insurance.
- Telephone or internet expenses.
Correct categorisation can help create a clearer view of business spending. Final tax treatment should still be checked with an accountant or other appropriately qualified professional.
FreeAgent Included With Mettle
One of Mettle’s strongest features is access to FreeAgent accounting software.
FreeAgent can help small businesses manage:
- Income and expenses.
- Bank reconciliation.
- Estimates and invoices.
- Tax timelines.
- Self Assessment.
- Corporation Tax.
- VAT.
- Cash-flow information.
- Financial reports.
- Bookkeeping records.
Mettle says FreeAgent is included as long as the customer makes at least one qualifying transaction from the Mettle account each month. If the monthly-activity condition is not met, or the Mettle account is closed while FreeAgent continues to be used, FreeAgent’s normal charges may apply.
Transfers between the main account and internal money pots do not necessarily count as the required monthly transaction. mettle.co.uk
This feature can represent meaningful value for a business that would otherwise pay separately for accounting software.
Mettle can also connect with accounting platforms including Xero and QuickBooks, although the included FreeAgent arrangement is likely to be particularly attractive to sole traders and small limited companies.
Tax Calculations and Bookkeeping
When connected to FreeAgent, Mettle can provide an estimate of the tax a business may owe.
This can give sole traders and company owners a running indication of their potential liability rather than leaving the entire calculation until the end of the tax year.
The calculation is a helpful planning tool, but it should not be treated as personalised tax advice. Actual tax liabilities depend on the business structure, allowable expenses, income from other sources and individual circumstances.
Tax Pots and Business Money Pots
Mettle allows customers to separate money from their main available balance.
Money pots can be useful for:
- Income Tax.
- National Insurance.
- Corporation Tax.
- VAT.
- Equipment.
- Annual subscriptions.
- Insurance.
- Marketing.
- Emergency reserves.
- Future investment.
- Professional fees.
A Tax Pot can automatically move a chosen percentage of eligible incoming payments away from the main balance.
For example, a sole trader could decide to move a percentage of every customer payment into a separate tax pot. This does not determine how much tax is actually owed, but it can reduce the risk of spending money that will later be needed for HMRC.
Mettle also offers scheduled saving rules, allowing a selected amount to be transferred regularly into a chosen pot. mettle.co.uk
Mettle Savings Pots
Mettle offers an interest-paying business savings pot.
The rate is variable and may change, so customers should check the rate displayed in the app rather than relying on an old article or screenshot.
Current account information says customers can hold:
- Up to £1 million in the main account.
- Up to £1 million in an eligible savings pot.
- Up to £100,000 across regular money pots.
Mettle currently allows one savings pot and up to 30 regular pots, subject to the relevant account limits. mettle.co.uk
Money may need to be transferred from a pot back into the main account before it can be paid to someone outside Mettle.
Cash Deposits
Mettle supports cash deposits through participating Post Office branches.
To deposit cash, customers can generate a barcode in the app and present it at the Post Office.
Current published limits include:
- Minimum deposit of £10.
- Maximum of £500 in a single deposit.
- Daily cash-deposit limit of £500.
- Annual cash-deposit limit of £23,000.
Mettle currently charges £2.75 for each cash deposit. mettle.co.uk
This could be useful for businesses that occasionally accept cash, although companies with frequent or high-volume cash takings may find the limits and per-deposit fee restrictive.
International Payments
Mettle can receive eligible international payments, subject to its current fees and supported-payment arrangements.
However, Mettle does not currently offer outbound international transfers as a standard account feature. It also does not provide cheque facilities or business lending. mettle.co.uk
A business that regularly pays overseas suppliers may therefore need a separate international-payment service.
Before accepting an overseas payment, check:
- Whether the payment route is supported.
- The fixed receiving fee.
- Any currency-conversion charge.
- The currency the customer will send.
- Whether the sender’s bank will deduct additional fees.
Account Limits
Mettle’s published main-account balance limit is currently up to £1 million for both eligible sole traders and limited companies.
This is a generous operational limit for many small businesses. However, the account’s FSCS protection limit is separate from its permitted balance limit.
Being allowed to hold £1 million does not mean that the entire balance is protected under the FSCS. Eligible deposits are protected only up to the applicable scheme limit across eligible deposits held with the same banking institution.
Who Is Mettle Best For?
Mettle may be particularly suitable for:
- Sole traders wanting to separate personal and business money.
- Freelancers who create and send invoices.
- Contractors receiving UK payments.
- Consultants who want mobile business banking.
- Small limited companies with no more than two owners.
- Side-hustle operators who qualify as genuine businesses.
- Businesses wanting FreeAgent accounting software.
- Owners who want automatic tax-saving tools.
- Businesses that mainly receive and make electronic payments.
- New customers who can claim the £50 referral reward with code HVT3H.
Who Might Need a Different Account?
Mettle may be less suitable for:
- Partnerships involving several owners.
- Companies requiring access for several directors or staff members.
- Businesses needing multiple user permissions.
- Companies with complex ownership structures.
- Businesses that regularly send international payments.
- Businesses requiring an overdraft, loan or credit facility.
- Organisations that use cheques.
- Cash-intensive businesses exceeding Mettle’s deposit limits.
- Applicants who are not solely UK tax resident.
- Businesses carrying out activities that Mettle does not support.
The lack of multi-user access is particularly important for limited companies. Although a company may have up to two owners, only one owner can access the account.
Advantages of Mettle
No Standard Monthly Account Fee
The main account does not currently have a monthly maintenance fee, although optional services and specific transactions may be chargeable.
£50 New-Customer Referral Reward
Eligible applicants can enter the Mettle referral code HVT3H, make a qualifying card payment within 30 days and receive £50 once the referral is verified.
Backed by NatWest
The account is provided by National Westminster Bank plc, giving customers the reassurance of dealing with an established regulated bank.
FSCS Protection
Eligible deposits are protected up to the applicable FSCS limit across qualifying accounts held with the same institution.
FreeAgent Included
Qualifying monthly account activity can keep FreeAgent included without a separate subscription charge.
Invoicing Tools
Users can create invoices, monitor their status and match customer payments.
Automatic Tax Saving
Money can automatically be moved into a tax pot whenever eligible income reaches the account.
Accounting Integrations
Mettle can connect with FreeAgent and other supported bookkeeping platforms.
Apple Pay and Google Pay
Digital-wallet support makes card spending more convenient.
Cash Deposits
Unlike some app-based business accounts, Mettle supports eligible Post Office cash deposits.
App and Web Access
Although the account is opened through the app, Mettle also offers browser-based account access for everyday management.
Potential Disadvantages
- Only one owner can access the account.
- Mettle does not currently offer business lending.
- Outbound international payments are not supported.
- Cheques are not supported.
- Cash deposits carry a fee.
- Cash withdrawals carry a fee.
- The support service is not a 24-hour live-chat operation.
- Optional Mettle+ features cost extra.
- The account is not suitable for every business sector.
- A separate account may be needed for international transfers or credit facilities.
- The referral reward is conditional and is not paid merely for opening the account.
Mettle Referral Code Troubleshooting
The “Redeem a Code” Option Is Missing
Check whether your first Mettle card payment is still pending.
The code-entry option may only become available once the qualifying transaction changes to completed. Allow the merchant time to process the payment, then reopen or update the app.
HVT3H Is Not Being Accepted
Check that:
- The code has been entered as HVT3H.
- There are no extra spaces.
- The card payment is completed.
- The account was opened less than 30 days ago.
- You are an eligible new customer.
- You have not already redeemed another referral code.
- The app is updated to the latest version.
- The referral promotion remains active.
The Card Transaction Is Still Pending
A card payment can remain pending while the merchant completes processing.
Do not make your first payment on the final day of the referral period. Make it early enough to allow the transaction to settle and the code to be entered before the deadline.
The Card Payment Was Refunded
A reversed or refunded transaction may not satisfy the referral condition.
Make another genuine eligible card purchase within the original 30-day period and wait for it to complete.
The £50 Has Not Arrived
Mettle needs time to verify the account, referral code and qualifying transaction.
If the reward has not arrived after the timeframe shown in the referral terms:
- Confirm that the transaction completed within 30 days.
- Check that HVT3H was successfully redeemed.
- Look for an in-app confirmation.
- Check your account transaction history.
- Contact Mettle through its in-app support.
Existing customers can access support by selecting Get help in the Account tab. Mettle also publishes an email address and telephone number on its contact page. mettle.co.uk
Frequently Asked Questions
What is the Mettle referral code?
The Mettle referral code is HVT3H.
How much do I receive?
Eligible new customers can receive £50 free after completing the current referral requirements.
What must I do to qualify?
Open an eligible Mettle business bank account, make a qualifying card payment within 30 days and enter HVT3H inside the Mettle app within the required period.
Where do I enter HVT3H?
Open the Mettle app, select the Account tab and look for Redeem a code.
If this option is not visible, wait until your card payment has moved from pending to completed.
Do I enter the code during the initial application?
The referral code is entered inside the Mettle app after the account has been opened. It is not normally entered on the public application website.
How long do I have?
You must make the qualifying card payment and enter the referral code within 30 days of opening the account.
Does a bank transfer count as the card payment?
A transfer into or out of the account is not the same as using the Mettle card to pay a merchant. Make a genuine eligible purchase using the Mettle card.
Can I use a digital Mettle card?
A card purchase through Apple Pay, Google Pay or another supported Mettle card method may appear as a card payment, but the transaction must satisfy the referral terms and show as completed in the app.
Is there a minimum card payment?
The information supplied for this referral states that a qualifying card payment is required but does not specify a minimum amount. Check the referral details displayed in the app before proceeding.
Can an existing customer use HVT3H?
The £50 referral reward is intended for eligible new customers. Existing or previous customers may not qualify.
Is Mettle only for limited companies?
No. Mettle supports qualifying sole traders as well as qualifying limited companies with up to two owners.
Can two directors use the account?
Mettle allows eligible companies with up to two owners, but only one owner can access the account.
Does Mettle charge a monthly fee?
There is no standard monthly maintenance fee for the core account. Certain services carry fees, and the optional Mettle+ subscription currently costs £4 per month.
Is FreeAgent really included?
FreeAgent is included for eligible Mettle customers who complete at least one qualifying transaction from their Mettle account each month. FreeAgent charges can apply if the activity condition is not met or the Mettle account is closed.
Can I deposit cash?
Yes. Eligible cash deposits can be made through participating Post Office branches for a fee and within Mettle’s deposit limits.
Does Mettle offer an overdraft?
Mettle does not currently offer lending facilities, including a standard business overdraft.
Can Mettle send international payments?
Mettle can receive certain international payments, but outbound international payments are not currently offered.
Is the money protected?
Eligible deposits in the current Mettle bank account are protected by the FSCS up to the applicable scheme limit across eligible deposits held with NatWest.
When will I receive the £50?
The reward is paid after Mettle verifies that the new account, completed card payment and referral-code requirements have been satisfied. Check the in-app promotional terms for the current payment timeframe.
Final Verdict: Is the Mettle Referral Code Worth Using?
The Mettle referral code HVT3H is an attractive offer for eligible UK sole traders and small limited-company owners who are already considering opening a dedicated business bank account.
The headline benefit is the £50 free reward, but Mettle’s broader value comes from the combination of business banking, invoicing, money pots, tax tools and access to FreeAgent.
For a freelancer or small-business owner, having these features connected to the same account can reduce administrative work and make it easier to separate business money from personal spending.
Mettle will not suit every company. Businesses needing several account users, outbound international transfers, cheque facilities, an overdraft or frequent high-value cash deposits may need to consider an alternative.
For an eligible sole trader or straightforward limited company, however, Mettle provides a strong selection of practical tools without a standard monthly account fee.
The referral requirements are simple, but they must all be completed correctly:
Open a qualifying Mettle business account.
Make an eligible card payment within 30 days.
Enter referral code HVT3H inside the Mettle app.
Receive £50 after Mettle verifies the referral.
Claim the Mettle £50 Referral Offer
Mettle referral code: HVT3H
How to claim:
- Open a new Mettle business bank account.
- Add money to the account.
- Make an eligible payment with the Mettle card.
- Wait for the payment to show as completed.
- Open Account → Redeem a code.
- Enter HVT3H.
- Complete everything within 30 days of opening the account.
- Receive £50 once the referral has been verified.
Visit the official Mettle website to check your eligibility and begin the application.
Important Referral Disclosure
This article contains a personal referral code. If you open an eligible account, enter HVT3H and complete the qualifying requirements, you may receive the advertised £50 reward. The person sharing the code may also receive a referral reward.
Account applications are subject to Mettle’s eligibility, identity and business checks. The referral programme, reward amount, deadlines and qualifying-payment rules can be changed, suspended or withdrawn. Review the current information shown in the Mettle app before applying.
This article is for general information and does not constitute financial, accounting or tax advice.
