Supercharge your business banking

Wouldn’t it be great to have a part-time bookkeeper? One who’s always reliable, totally invisible and only £7 a month?

Whether it’s sorting through receipts, figuring out how much tax you owe or keeping track of invoices, all the extra admin can feel like a job in itself when you’re your own boss. So we designed the Business Toolkit to help with bookkeeping for freelancers, self-employed and small businesses. Available exclusively on online banking, you’ll get all the same powerful features of our original free account, but with extra bells and whistles for accounting and VAT.

An image of a laptop showing the Business Toolkit

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Features of the Business Toolkit

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.

An invoice image

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.

Automated expenses

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.

Tax estimation and goals

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.

Transaction sidebar and VAT boxes

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.

Bill dashboard image

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.

Bookkeeping image
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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.

Features and pricing

SME Business Toolkit comparison data

Original free account

£0.00 / mo

Get started
new

The Business Toolkit

£7.00 / mo

(inc. VAT)Get started

Business Toolkit Features

No

No

Invoices and auto-matching

Create and manage unlimited invoices directly from your desktop. When you get paid, just match your invoices in a single click

No

Yes

Email integrations

Link your Google, Outlook or Hotmail email to the Business Toolkit to issue invoices directly from your bank account

No

Yes

HMRC Tax estimation (sole trader only)

Estimate your self-employed tax (SA103F), national insurance and student loan liabilities

No

Yes

Record VAT on transactions

Record your VAT, and we’ll calculate your VAT return if you’re on cash accounting or flat rate (cash basis)

No

Yes

Smart tax savings

Set aside money for your self-employed tax and VAT bills in a click

No

Yes

MTD VAT submission

Connect your account to HMRC and submit your VAT return through Making Tax Digital

No

Yes

Bookkeeping to-do list

See what needs to be done in a handy interactive to-do list, so you can stay on top of your bookkeeping admin

No

Yes

Manage bills

Upload bills, schedule payments and track your expenses

No

Yes

Starling Original Features

No

No

Free UK current account

Starling is a registered bank. Up to £85,000 of your eligible deposits will be FSCS protected

YesYes

Multi-director access

Manage an account with the other directors of your business

YesYes

Integration with accounting software

Link your account with QuickBooks, Xero or FreeAgent

YesYes

Free UK bank transfers

Send and receive pounds within the UK, completely free of charge

YesYes

International payments

Make payments to 30+ countries with real-time exchange rates and no hidden fees

YesYes

No debit card fees abroad

Use your Starling card on business abroad, with zero fees

YesYes

24/7 UK support

Get in touch, wherever you are, via phone, email or in-app chat

YesYes

Automated business categories

We’ll put your expenses into relevant business categories for you

YesYes

Receipt capture

Add receipts to transactions while you’re on the go

YesYes

Savings spaces

Set aside money towards your business goals

YesYes

Apple, Google, Samsung and Garmin Pay

Pay with your mobile or smart watch

YesYes

Mobile and online banking

Manage your finances at home, in the office or on the go

YesYes

Mobile cheque deposits

Pay cheques in via the Starling app and receive the funds within two working days

YesYes

Cash deposits

Pay in cash at your local Post Office, there’s a 0.3% charge (minimum charge of £3) for each deposit

YesYes

ATM withdrawals

£300 fee-free every day, at home or abroad

YesYes

Card control

Freeze your card in the app if you lose your card on the go

YesYes

Instant notifications

We’ll let you know whenever you get paid or spend from your account

YesYes

Connect to other business services

Access a range of products and services in the Starling Business Marketplace that you can link to your business or sole trader bank account

YesYes

Got questions?

Head over to our Toolkit FAQs.

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