Multi-currency business accounts let UK firms hold and pay in 20+ currencies without converting each time. Fintech accounts (Airwallex, Wise, OFX) price FX from about 0.5% above interbank under safeguarding; UK-licensed banks carry FSCS protection up to £120,000. Providers, fees and cover compared.
Bank SWIFT payments cost £15 to £30 plus a 2% to 4% FX margin; specialist platforms price from about 0.5% above interbank with one-day local-rail delivery to 120+ countries. What international business payments really cost, and how Airwallex, Wise, Revolut, Payoneer and the banks compare.
Currency management software automates FX exposure capture, hedging and settlement for businesses trading in more than one currency. Margins start around 0.5% above interbank on payment platforms; specialist automation is priced by volume. What the category covers and how UK options compare.
Charity accounting requires restricted, unrestricted and designated funds tracked separately under the Charities SORP. General cloud tools handle this through workarounds up to roughly 5 million pounds income; dedicated platforms build fund logic in natively.
Sole traders must generally keep business records for at least five years and, if mandated, submit quarterly digital updates under MTD ITSA from April 2026. This guide covers the legal requirements and realistic routes.
Clear Books is a UK-founded cloud accounting platform starting from around £13 a month, offering UK-based support but a smaller app ecosystem than Xero, QuickBooks and Sage.
FreeAgent is free for businesses banking with certain NatWest Group brands, while Xero starts from around £16 a month regardless of bank. This price asymmetry is the central fact shaping the decision.
Xero was built cloud-native from its founding; Sage Business Cloud Accounting was built to sit alongside Sage's long-established Sage 50 desktop line, a genuinely different architectural starting point.
Automated reputation checkers routinely flag legitimate small business websites based on domain age and review history, not actual risk. Here's how the process works and how to dispute it.
From April 2028 all UK companies must file accounts via software. Which accounting packages support Companies House digital filing? Xero, Sage, QuickBooks, FreeAgent, IRIS and more compared.
From 1 April 2028, all UK companies must file annual accounts via commercial software. Web and paper routes close. Small companies must file profit and loss for the first time. What to do now.
QuickBooks UK pricing starts from around £8 a month for the entry Self-Employed tier. Self-Employed and Simple Start are genuinely different products despite similar names, and only Simple Start supports VAT.
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QuickBooks Sole Trader (~£10/mo), FreeAgent (free via NatWest) and Coconut lead the self-employed apps. Compare tracking, mileage, Self Assessment and MTD readiness.
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FreeAgent is free via qualifying NatWest Group banking; QuickBooks starts from around £8 a month for its Self-Employed tier. The comparison is a bank-bundle economics question, not a typical feature-versus-feature one.
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