All software / FreeAgent for free with Mettle, NatWest & RBS
FreeAgent for free with Mettle, NatWest & RBS
Visit FreeAgent for free with Mettle, NatWest & RBS websiteView HMRC listing
Our notes
Full FreeAgent at no cost for customers of NatWest, RBS, Ulster Bank or Mettle, HMRC-listed for quarterly updates and the tax return. It is free only while you keep the qualifying account (Mettle: one transaction a month).
Pros
- Full-featured FreeAgent for £0
- Covers quarterly updates and final declaration
- Joint-owner support
Cons
- Must bank with NatWest Group / Mettle
- Mettle needs ≥1 transaction a month
- Lose the account, lose the free plan
Price
Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.
- Cheapest MTD-capable plan
- FreeAgent free with eligible bank account
- Per month
- Free
- Per year
- Free
- VAT
- n/a
- Notes
- Free only while the bank condition is met; add-ons chargeable.
- Landlord pricing
- included. Same FreeAgent product.
- Agent/accountant pricing
- n/a. See 3192.
Really free?
- Quarterly updates free
- yes
- Tax return (final declaration) free
- yes (free MTD landing page covers quarterly updates and final declaration)
- Limits
- Add-ons chargeable.
- Bank account condition
- Requires a NatWest, RBS or Ulster Bank business current account 'for as long as you retain the account', or a Mettle account with at least one transaction a month.
- Time limit
- None stated beyond the account condition
Landlords and spreadsheets
- Jointly owned property
- yes. freeagent.com/landlords FAQ: 'I jointly own a property with another person. Can we use the same account? Yes … set the correct ownership splits … joint property owners can each manage their own separate MTD submission within the same single FreeAgent account'.
- Excel bridging
- n/a
- Google Sheets bridging
- n/a
- CSV import
- n/a
- Bridging notes
- Not bridging software (HMRC listing: bridging 'Not included').
Checked 17 Oct 2026. Sources:www.freeagent.com, www.freeagent.com, www.freeagent.com, www.freeagent.com, www.freeagent.com
HMRC listing
What the software provider has told HMRC. “In development” means the provider has committed to building it in time for the 2026 to 2027 tax return.
Features
| Free version | Ready now |
|---|---|
| Agent software | Ready now |
| Individual software | Ready now |
| Software that creates digital records | Ready now |
| Bridging software that connects to records | Not included |
| Standard update period (6 April to 5 April) | Ready now |
| Calendar update period (1 April to 31 March) | Ready now |
| Making Tax Digital for VAT | Ready now |
| HMRC Assist (Submission Feedback) | Not included |
Business income
| Sole trader | Ready now |
|---|---|
| UK property | Ready now |
| Foreign property | Not included |
Other income sources and items
| Employment (PAYE) | Ready now |
|---|---|
| UK dividends | Ready now |
| State Pension income | Ready now |
| Private pension incomes | Ready now |
| Partner income from a partnership | Ready now |
| Foreign dividends | Ready now |
| Foreign interest | Ready now |
| Private pension contributions | Ready now |
| Construction Industry Scheme | Ready now |
| Charitable giving | Ready now |
| Capital Gains | Ready now |
| Student Loan | Ready now |
| Marriage Allowance | Ready now |
| Voluntary Class 2 National Insurance | Ready now |
| High Income Child Benefit Charge | Ready now |
| UK interest | Ready now |
Accessibility
| Blindness or impaired vision | Ready now |
|---|---|
| Deafness or impaired hearing | Ready now |
| Motor or physical difficulties | Ready now |
| Cognitive impairments | Ready now |
Platform
| Software type | Desktop application Web browser |
|---|---|
| Compatible with | Microsoft Windows Mac OS Linux |
| Mobile App | Android Apple iOS |
| Language | English |