Can I have Mettle and Capital On Tap together?

Yes, this is a popular setup. Mettle for free business banking, Capital On Tap for your business credit card. Direct Debit Capital On Tap from your Mettle account.

Independent comparison · May 2026

Capital On Tap vs Mettle (NatWest) (2026)

Mettle is NatWest's free digital business banking app for sole traders and small Ltd companies — it's a bank account, not a credit card. Capital On Tap is a credit card. Different products, but often paired.

Side-by-side specification

	Capital On Tap	Mettle
Annual fee	£0 (Business) / £99 (Rewards)	£0
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	No cashback
Foreign-exchange fee	0% FX fees worldwide	N/A — UK only
Credit limit	Up to £250,000	N/A — debit
Eligibility	UK Ltd / LLP / PLC, £24k+/yr turnover, no unsatisfied CCJs (last 12 months). Sole traders not eligible. No published minimum trading-period rule.	UK sole traders and small Ltd companies
Representative APR	34.65% representative variable	N/A
Application	~2 minutes, soft credit check first	App, in minutes
Card type	Visa Business credit card	Mastercard debit (no credit)

Where Capital On Tap wins

✓ True credit card vs Mettle's debit
✓ 1% cashback (Mettle pays nothing)
✓ £75 welcome bonus with code 2REFY893A52
✓ 0% FX on overseas spend
✓ Builds business credit history
✓ Higher credit limit

Where Mettle wins

✓ Free business bank account (with sort code and account number)
✓ Built-in invoicing and bookkeeping
✓ Works for sole traders (Capital On Tap doesn't)
✓ Free to use, no monthly fee

Who should pick which

Pick Capital On Tap if

You're a UK Limited Company and want a credit card with rewards.

Pick Mettle if

You need a free UK business bank account (Mettle works alongside Capital On Tap perfectly).

FAQs: Capital On Tap vs Mettle

Can I have Mettle and Capital On Tap together?: Yes, this is a popular setup. Mettle for free business banking, Capital On Tap for your business credit card. Direct Debit Capital On Tap from your Mettle account.