Starling Bank Bookkeeping
Free MTD tool — requires a (free) Starling business account.
by Starling Bank
Overview
Starling offers free MTD Income Tax software for customers of its business current account. The account itself has no monthly fee (for sole traders and limited companies), so this is a genuinely zero-cost path — provided you're willing to bank with Starling. Tight integration with your transactions.
Free with Starling
Free for Starling business account holders. The base business account itself is free.
Conditions: Requires a Starling business current account. The base account has no monthly fee for sole traders or limited companies — optional add-ons (Business Toolkit, Bulk Payments) cost extra but aren't needed for MTD.
Pros
- +Base Starling business account has no monthly fee
- +Tight integration with transactions
- +Excellent mobile app
Cons
- −Free route is conditional — you must bank with Starling
- −Limited to sole trader/landlord basics
Our take
If you already bank with Starling — or are willing to open a (free) Starling business account — this is effectively free. Not a reason to switch banks if you're happy elsewhere.