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
| Category | Accounting |
| Pricing | From ~£19/mo (sole trader) up to ~£33/mo; free for eligible NatWest/RBS customers. |
| Best for | UK freelancers, MTD compliance, Sole traders |
| Affiliate program | Not confirmed |
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.
Sources
The features and facts above on FreeAgent are drawn from these independent reviews and vendor pages: