FreeAgent review & overview

Accounting tailored to UK freelancers and small businesses with self-assessment and MTD support; free with some bank accounts.

FreeAgent sits in the accounting space and is most often picked for uk freelancers, mtd compliance, sole traders. Below is a quick, no-fluff overview to help you decide if it fits.

Key facts

Who it's for

FreeAgent makes most sense for uk freelancers.

• UK freelancers
• MTD compliance
• Sole traders

Key features

What you actually get with FreeAgent, drawn from independent reviews and the vendor's own documentation:

• UK-focused accounting with invoicing, expenses and bank reconciliation
• MTD for VAT and MTD for Income Tax Self Assessment support
• Files SA100/SA103/SA105/SA800/SA102 returns direct to HMRC
• Corporation Tax estimates and VAT returns
• Payroll for up to 5 employees included

Integrations

FreeAgent connects with bank feeds, Stripe, PayPal and GoCardless.

What makes it stand out

UK accounting with HMRC-recognised MTD filing, free for many NatWest-group bank customers.

Who it's best for

UK freelancers, sole traders and small limited companies needing MTD compliance.

Strengths & trade-offs

The honest balance for FreeAgent, from independent reviews rather than its sales page. We go deeper in the full FreeAgent review.

Strengths

• + Free for eligible NatWest/RBS/Ulster and Mettle customers (full product)
• + Strong MTD and Self Assessment filing built in
• + Includes payroll for up to 5 employees at no extra cost

Trade-offs

• - UK-only product
• - No active public affiliate program (waitlist only)
• - Less suited to larger or non-UK businesses

Notable facts

Concrete, checkable details rather than marketing claims:

• Free for NatWest, RBS, Ulster Bank and Mettle business customers (full product, not a trial)
• HMRC-recognised for MTD for VAT and MTD for Income Tax Self Assessment ahead of April 2026 mandation
• Includes payroll for up to 5 employees

No public affiliate program at the time of writing; this page links to vendor and comparison resources instead.