Banking and accounting, for sole traders

The current account that takes care of your accounting and tax. Designed for freelancers, self-employed people and small business owners.

Coming soon: All your business finances in one place

No more spreadsheets or flicking between apps. Soon you’ll be able to connect 20 different current accounts and credit cards to Coconut, like Barclaycard, Lloyds and Starling. Get a complete view of your business across every account, whenever you need it.

See how much tax you owe

As you use your Coconut account, we estimate how much tax to save. You'll never get to the end of the year and have an unexpected bill.

Expenses that do themselves

Coconut categorises your business expenses helping you to stay organised. Instant notifications when you spend remind you to snap the receipt, keeping everything neatly in one place.

Know what you can claim

Get helpful tips along the way about what you can and can’t claim, helping to maximise savings on your tax bill.

Professional Invoicing

Create, send and manage beautiful invoices that your clients will love, and help you get paid on time.

Instantly know when you get paid

Coconut tells you as soon as a payment has been made or received so you can stay on top of late invoices.

The tools you need

Export your data whenever you need it. Sole traders also get tax reports to help you with your self-assessment.

Our plans

Our pricing is simple and transparent, with no hidden fees.

Start

£0 ^/mo

Best suited for side businesses or if you’re just starting out.

Free UK current account
Expense tracking
Tax Estimate (sole traders)
3 invoices per month
2% on purchases abroad

Get Start plan

Grow

£5 ^{/mo (exc VAT)}

Banking and accounting for your full-time business.

Everything in Start plus

Unlimited Invoices
Free foreign currency exchange
Free replacement cards

Get Grow plan

See all features

Full UK account

Get a full UK account number and sort code plus a Mastercard® debit card.

Simple Payments

Send and receive payments, set up Direct Debits, and more.

Human Support

Chat to our support team through the app in real-time.

Fast Account Opening

Open an account in minutes from your phone (you'll just need a valid form of ID).

Always cool to wake up to big app updates… In @getcoconut‘s case, they have, overnight, replaced my bank, my bookkeeping software, and turned admin into something quick and easy, rather than a monthly slog. Superb work with a real attention to detail 🙌

Marcus Batey, Twitter

Really like this app so far and I’m really excited about its progress and where it’s going to go. As a new sole trader, finance is incredibly daunting and Coconut is taking away some of the complexity and making things clear for me.

Sinead Fenton, 5★ on Trustpilot

I have been banking with Coconut since they launched. Absolutely love the app and the team behind it. They are so in touch with their customers which is amazing. Very fast responses to any issues that arise.

Jack, 5★ on Trustpilot

I have been using this banking app for the past few months. The lovely people at Coconut have got banking and accounting all wrapped up… Being able to send invoices from the app deletes the necessity to use other software. Coconut thank you, thank you, thank you. I love it 🙂

Nikki Harris, 5★ on Trustpilot

I love this service, it’s convenient and easy to use. Fast payments. Invoice service is great and the best customer service. When I’ve needed advice I get a fast reply that always answers my questions. Thank you Coconut I really do wish I’d found you sooner!

Naturalistic Therapies, 5★ on Trustpilot