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HelloBooks — The AI Accountant for UK Small Business

The AI accountant for UK small business. MTD-ready books, reconciled by AI. GBP invoicing, UK bank feeds reconciled by AI, MTD-ready VAT, and real-time reporting in one ledger. Free Plan, no credit card.

HelloBooks is AI accounting software for UK small businesses with Making Tax Digital-shaped VAT, Open Banking feeds reconciled by the AI agent, and FRS 102 / UK GAAP-aligned ledgers for limited companies and sole traders. The AI categorizes, reconciles, drafts GBP invoices, and closes the month in hours rather than days.

VAT-registered businesses get MTD-ready quarterly returns, partial-exemption handling, and a digital trail from source document to HMRC submission. Companies House year-end packs — abridged accounts, director’s report, and iXBRL tagging — generate straight from the ledger. CIS deductions, payroll RTI workings, and corporation tax draft computations are first-class, not bolt-ons.

The Free Plan ships the core accounting features for up to 2 users with 2,500 AI credits to get started, no credit card required. UK founders, contractors, and accounting practices pick HelloBooks over Xero when they want the AI to own the close and the compliance workings — not just present a dashboard of unreconciled balances.

The AI accountant for UK small business.
MTD-ready books, reconciled by AI.

GBP invoicing, UK bank feeds reconciled by AI, MTD-ready VAT, and real-time reporting in one ledger. Free Plan, no credit card.

GBP invoicing
MTD-ready VAT
AI-reconciled books
Start FreeBook a Demo
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Product Tour
The HelloBooks dashboard mid-tour — income, expenses, cash balance and net profit for a demo companyWatch the 23-step guided tourTake the product tour

Recognized by

  • HelloBooks featured on Product Hunt
  • HelloBooks on the Apple App Store
  • HelloBooks on Google Play

You stay in control

Powerful AI. You approve every move.

HelloBooks does the heavy lifting, but it never files or posts behind your back. The AI proposes; you and your accountant dispose — with a full audit trail and an undo on everything.

  • AI drafts, you approve

    HelloBooks reads bills, categorises transactions and matches your bank feed — then hands you the result. Nothing posts to your ledger until you (or your accountant) confirm it.

  • Every action is on the record

    A full audit trail logs what the AI suggested, what actually changed, who approved it and when — so month-end and any review start from a clean, defensible history.

  • Always reversible

    Edit or unwind any AI-assisted entry, match or categorisation. Nothing is a one-way door, so an automation can never quietly corrupt your books.

  • Your accountant stays in the loop

    Invite your CA or bookkeeper with reviewer or read-only access. Bills route through approval before payment, and returns wait for a human sign-off before they are filed.

Why HelloBooks in the UK

Why UK businesses choose HelloBooks

Six reasons UK small businesses move from Xero, FreeAgent, Sage and QuickBooks UK — with MTD, CIS and RTI in the base plan rather than as add-ons.

  • MTD VAT, CIS and RTI without a bridging tool

    Submit Making Tax Digital VAT returns to HMRC from your posted ledger, run CIS deductions and statements for construction, and file RTI PAYE submissions — reverse-charge VAT included. No MTD bridging spreadsheet, no third-party CIS module, no separate submission credential.

  • AI that keeps a digital-links audit trail

    Every AI action is logged against the source document it came from, and the agent categorises at 95%+ accuracy, reconciles your bank feed and drafts the month-end close. That is exactly the digital record-keeping MTD asks you to demonstrate — approve the month, and the evidence is already assembled.

  • Barclays, HSBC, Lloyds, NatWest, Monzo and Starling

    The UK is a Plaid-supported open-banking market: Barclays, HSBC UK, Lloyds, NatWest, Santander UK, Halifax, Nationwide, Monzo, Starling and Revolut among thousands more, with rollout by region. Statement upload with AI parsing covers you in the meantime.

  • Unlimited users — including your accountant

    Xero and QuickBooks UK price by tier and put multi-currency in the top plan, so adding your bookkeeper, your accountant and a second director costs real money. HelloBooks includes unlimited users and full GBP/EUR/USD multi-currency on every paid plan.

  • HelloTime handles time and payroll, books stay in sync

    HelloTime runs attendance, holiday and payroll on the web and posts payroll journals directly into HelloBooks, so wages, PAYE and pension lines reconcile without an import. RTI submission runs from HelloBooks. The HelloTime Attend mobile app for shift workers ships Q3 2026.

  • Pro at £16/mo with MTD VAT included, not sold as an add-on

    Core accounting, 2 users and 2,500 AI credits cost nothing and need no credit card. Pro is a flat £16/month with unlimited users, and MTD VAT submission is included rather than sold as a compliance add-on.

Bank connections in the United Kingdom

Powered by Plaid

HelloBooks connects to banks across the United Kingdom through Plaid, our open-banking partner — securely import GBP transactions for automatic AI categorisation and reconciliation. Supported institutions include:

  • Barclays
  • HSBC UK
  • Lloyds Bank
  • NatWest
  • Santander UK
  • Halifax
  • Nationwide
  • Monzo
  • Starling Bank
  • Revolut
  • TSB
  • Metro Bank

…and thousands more institutions via Plaid open banking. Connections are read-only and bank-grade secure — HelloBooks never sees your login. Prefer not to connect? Upload a statement and HelloBooks’ AI reconciles it line by line.

    MTD VAT & AI Accounting Software for UK SMEs | HelloBooks.ai