Plate spinning, juggling, putting out fires; it’s fair to say that life as a sole trader can be a bit of a balancing act.

So whether you’re self-employed or happily side-hustling, we’ve built an award-winning sole trader account to save you time and money while you run the show – and (here’s the best part) it’s free.

Apply for an account in minutes and connect with your accounting software or invest in a Sole Trader Toolkit to tackle the numbers directly from your bank account, on desktop or mobile.

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Why it’s the best sole trader bank account

A free sole trader bank account, in minutes.

No fussy forms, no waiting around. Get to business now with a simple in-app application and no monthly fees.

24/7 support.

Chat to our all-human, all-UK-based team in-app or on the phone. If you’re working, so are we.

Instant payment alerts.

Client payment? Networking lunch? Get real-time alerts as soon as money enters or leaves your account.

Capture receipts.

Buried in receipts? There’s an easier way. Stay organised by capturing them in-app as you go.

Automate your expenses.

We’ll automatically put your expenses into business categories to simplify your self-assessment tax return.

Connect to business tools.

Link your account to other services, such as accounting software or insurance, through our Marketplace.

A flexible overdraft.

Use the slider to adjust how much you need – or don’t use it at all. Sometimes it’s just nice to know it’s there.

Space to separate overheads.

Business trips. Tax. A new laptop. Whatever’s coming up, keep it to one side in Goals.

Cash deposits.

Deposit cash easily at your local Post Office. When we said you wouldn’t miss branches, we meant it.

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All of Starling’s accounts are protected and supported by world-class security and 24/7 customer service - plus your money is protected up to £85,000 by the Financial Services Compensation Scheme.

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The Sole Trader Toolkit: Now in beta

The Sole Trader Toolkit is currently in beta, and we’re working hard to make it the best it can be. Register to join the waitlist and be among the first to get it when it officially launches.

The first 500 customers to sign up to the waitlist, who are eligible for the toolkit*, will get the Toolkit for free for 5 years!

*Eligibility: The self-assessment tax estimation feature supports only the cash basis accounting method. This is a method that Sole Traders who earn less than £150,000 per year can be eligible for. Find out more on HMRC’s website. For Sole Traders who are VAT registered, the Sole Trader Toolkit supports the cash accounting VAT scheme, and the flat rate VAT scheme with a cash-based method. Find out more on HMRC’s website. All businesses will need to have a Starling account before being given the toolkit.

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 a sole trader. So we designed the Sole Trader Toolkit: all the same powerful features of our original free account, just supercharged with extra bells and whistles for accounting and VAT.

Business Toolkit

Easier tax.

We’ll give you an estimation of how much tax you should be saving and create a report to help you fill in your self-assessment form.

Send and manage invoices.

Create invoices that automatically match when you get paid and send them seamlessly by connecting to your email.

Tick off your bookkeeping to do list.

Stay on top of your financial admin with a tick-list of everything outstanding that you need to do.

Keep track of bills.

Upload invoices when you receive them and schedule payments to go out in the future, to help you manage your cash flow.

Sort your VAT.

If you’re VAT registered, record VAT on your transactions, see how much you’re owed or owe and submit it through our HMRC Making Tax Digital-compliant software.

Toolkit could be great for you if you...

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 and VAT conveniently and for a fair price, directly from your bank account.

Like the idea of automated bookkeeping.

But don’t want the expense or commitment of a separate accountancy package.

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Ready to switch to Starling?

We take the hassle out of switching banks. With just a few taps in the app, you can let us know you're ready to make the move, and we'll take care it from there. Our switching service is simple, completed in seven working days and covered by the Current Account Switch Guarantee.

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It's great to have options, so we've compared the business accounts from a variety of high street banks and challengers so that you can see how we stack up.

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Meet our sole traders

From leatherworkers to web designers, we love helping our sole traders fly. Meet a few of them below...

What our customers say

“In my head I always thought you had to pay for a business account. It seemed like such a daunting, serious thing. But then I came across a blog and Starling jumped out. It was super easy to apply and surprisingly stress free.”

Milly Foley, co-founder of Test Kitchen

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