Ready for Making Tax Digital?
We’ve made it easy and free.

Coconut and Zempler have teamed up to take the hassle out of Making Tax Digital.

Sign up to Coconut and opt to open a Zempler Business Bank Account at the same time and you can get Coconut free for two years (saving £238 off a monthly subscription) — so you’re all set for Making Tax Digital with no extra cost.

  • HMRC-recognised and fully Making Tax Digital compliant
  • Built for sole traders and landlords
  • Get ahead of the April 2026 deadline
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What’s the deal?

We’ve teamed up with digital Business Bank Zempler, who provide a Sole Trader bank account designed to make managing your money simple and digital. Together, we make it easier (and cheaper) to get ready for Making Tax Digital.

Here’s how it works:

1.

Sign up to Coconut – your Making Tax Digital ready accounting software

3.

Get Coconut free for 2 years – worth up to £238!

You’ll need to deposit a minimum of £100 into your new Zempler Account, within 7 days of opening the account, to activate your free Coconut plan

Terms and Conditions apply

How Coconut makes your life easier

We know running a business is enough work without the extra pressure of managing keeping digital records. Coconut takes care of the tricky bits so you can focus on what you do best. And with Zempler, your banking and bookkeeping work better together.

Know your numbers

See how your business is doing whenever you want — no more waiting until the end of the year to find out how things are really going.

Get paid pronto

Create, send and track invoices easily from your phone or computer. Spend less time chasing customers and more time getting paid.

Never lose a receipt again

Snap photos of your receipts and store them safely in one place. Say goodbye to that messy pile of paperwork.

No more tax stress

We help keep everything organised and on track so deadlines don’t sneak up on you, without the extra pressure of Making Tax Digital for Income Tax.

Start your free 2 years

Why this matters

From April 2026, millions of sole traders and landlords will be required to keep digital records and send updates to HMRC every quarter using Making Tax Digital compatible software.

That means you won’t be able to use the free tax return tool on the HMRC website anymore — but with Zempler and Coconut, you’re already covered.

Make your accounting and Self Assessment tax return a whole lot easier with Coconut

£9.95
per month
Get 2 months free!
£99
per year
£0
with Zempler bank account*

Our monthly or annual plan includes:

  • Connect accounts from 30+ banks and credit cards
  • Track your income and expenses throughout the year with our sole trader accounting app
  • Access Coconut on both mobile and desktop
  • Send and track unlimited branded invoices
  • Always know how much tax to set aside
  • Easily share access with your accountant
  • Claim as an allowable business expense on your tax return
  • Make quarterly Making Tax Digital updates quickly and easily

*Coconut is free for up to 24 months while your Zempler account remains active, connected and has an initial deposit of at least £100, paid in within 7 days of account opening

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How to get started

  • Create your Coconut account

  • You’ll then be prompted to apply for a Zempler bank account

  • Once both accounts are live, your Coconut plan will be upgraded to free – and will stay that way for up to 24 months, as long as your Zempler account remains connected.

    A minimum £100 deposit into your new Zempler account, paid within 7 days of account opening is required to claim your free Coconut plan.

It only takes a few minutes and you’ll be ready for Making Tax Digital in no time.

Sign up today!

What our Coconut community says

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Need help?

Do I need to do anything right now?
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What is Making Tax Digital for Income Tax?
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