Separate personal and business finances, simplify Self Assessment, and focus on what you do best.
Our Sole Trader Account is a dedicated business bank account for freelancers, contractors, tradespeople and gig workers who operate as sole traders (i.e. not a Limited Company).
Keeping business and personal finances separate makes bookkeeping and tax returns dramatically easier. Every business transaction is in one place, automatically categorised.
No monthly fees for the first 12 months, then just £7/month. No transaction fees, no minimum balance. Full UK sort code and account number, contactless Mastercard, and all the usual app features.
No monthly fees for the first year. After that, just £7/month — still cheaper than most high-street alternatives. Cancel anytime.
Auto-categorised expenses make your tax return effortless. Export a summary for your accountant, or file directly — everything HMRC needs, at the tap of a button.
Photograph receipts and match them to transactions. HMRC-approved digital records. No more shoeboxes of crumpled receipts.
Send invoices directly from the app. Pay-by-link, auto reminders, VAT-ready. Get paid faster with less admin.
Add your accountant with view-only or full access. Direct integration with Xero, QuickBooks, FreeAgent.
Open your Starling account in minutes.
Apply now