The Business Toolkit
Accounting and bookkeeping for your business account
Accounting and bookkeeping for your business account
Manage your invoices, bills, tax, VAT and more from your bank account, all for just £7 a month.
Try for free
We’ll no longer accept new Business Toolkit subscriptions from 15 December 2025.
Our new accounting and tax tools are launching soon — stay tuned! In the meantime, learn how we can help with Making Tax Digital.
Applications received by 11:59pm on 14 December will be processed as usual, and all existing Toolkit subscriptions will continue as normal.
Try Toolkit for free
Unsure if it’s right for your business? Take a month to decide.
There’s no need to commit, and you can cancel at any time. After your first month, it then costs just £7 a month.
Features of the
Business Toolkit
Save time.
Spend less time sorting through invoices and receipts – and more on what you’re good at.
Keep track.
Toolkit will help you stay on top of tax, invoices, bills and more.
Stay organised.
When your banking and bookkeeping are all in the same place, life becomes that little bit easier.
Tailor-made features.
Whether you’re a freelancer, self-employed, or small business, Toolkit’s features simplify the extra financial admin.
Instant invoices
Create and seamlessly send invoices directly from your desktop, and connect your online banking to your email. When you get paid, just match your invoices in a single click.
View a dashboard of all of your invoices to stay on top of your cash flow.
Automated expenses
We’ll automatically categorise your transactions with useful spending categories and tax allocations. See handy hints in the category description to help you understand what is and isn’t allowable for tax.
No more tax surprises
Good news for sole traders: see an up-to-date estimate of the money you need to save for the self employment part of your tax return. You can then set it aside with just one tap.
We calculate an estimate using cash accounting. This is suitable for most self-employed sole traders earning less than £150,000 per year.
Record and submit VAT
Record VAT on your transactions, and set defaults if you’re happy to automate some of it. Connect to HMRC and submit your returns through Making Tax Digital.
Cash Accounting Scheme
Flat Rate Scheme (cash basis)
We don’t currently support other VAT schemes.
Sort your bills
The Business Toolkit lets you upload bills as soon as you receive them and schedule payments to help you manage your cash flow.
Never lose track
No more sleepless nights over invoices, tax or VAT. Starling will always show you what needs to be done in a handy interactive to-do list, so you can stay on top of your admin.
Apply now
The Business Toolkit could be great for you if you...
Are a freelancer
Sole trader, contractor, chief wearer of many hats – however you describe what you do, your life could be made easier by the Business Toolkit.
Feel overwhelmed by admin
Spend less time sorting through invoices and receipts – and more on what you’re good at.
Want to keep everything in one place
Manage things like bookkeeping, bills, VAT and self-assessment tax, directly from your bank account.
Like the idea of automated bookkeeping
But don’t want the expense or commitment of a separate accountancy package.
Do your VAT on a cash basis
Good news for those of you on the Cash Accounting Scheme or the Flat Rate Scheme (cash basis): both are compatible with the Business Toolkit.
Want to do your books on the big screen
For the time being, the Business Toolkit is available in online banking only. This means you can log in to your account on your desktop or laptop and manage your books from there.
Get more out of Starling
Already got a business account? Add a personal account to your lineup in just a few taps. You’re already all set up, so it’ll take seconds.
Find out moreFeatures and pricing
| Business Toolkit Features | No | No |
|---|---|---|
| Invoices and auto-matching | No |  |
| Email integrations | No | |
| HMRC Tax estimation (sole trader only) | No | |
| Record VAT on transactions | No | |
| Smart tax savings | No | |
| MTD VAT submission | No | |
| Bookkeeping to-do list | No | |
| Manage bills | No | |
| Starling Original Features | No | No |
| Free UK current account | | |
| Multi-director access | | |
| Integration with accounting software | | |
| Free UK bank transfers | | |
| International payments | | |
| No debit card fees abroad | | |
| 24/7 UK support | | |
| Automated business categories | | |
| Receipt capture | | |
| Spaces | | |
| Apple, Google, Samsung and Garmin Pay | | |
| Mobile and online banking | | |
| Mobile cheque deposits | | |
| Cash deposits | | |
| ATM withdrawals | | |
| Card control | | |
| Instant notifications | | |
| Connect to other business services | | |
| Bills Manager | | |
Got questions about the Business Toolkit?
Our help centre is designed to be your first port of call whenever you have questions about our products and services. It’s often the quickest way to get the answers you need – from within the app or online.
Visit our help centreApply for a business or sole trader account. Then, add your Toolkit subscription in-app.
Start your application
Existing customer? Apply for the Business Toolkit in-app by navigating to the subscription section in your account menu.