The mandate that’s changing your practice
MTD ITSA is live.
The next wave hits in April 2027.
Making Tax Digital for Income Tax Self Assessment went live for >£50k earners in April 2026. Every sole trader and landlord above the threshold now files quarterly. The bank-statement bottleneck doesn’t scale to four submissions a year — and the threshold drops again next April.
MTD ITSA is live. Every sole trader and landlord earning over £50k now files quarterly digital updates plus a final declaration.
The mandate widens. Almost every self-employed and landlord client comes into scope. Less than 12 months to be ready.
The problem
Quarterly filings.
Same broken workflow.
MTD ITSA quadruples filings per client. The work that already takes a week doesn’t scale to four submissions a year. And the threshold drop in April 2027 puts every client on the same clock.
Chasing statements every quarter
Email, follow-up, second follow-up. Every client. Every quarter. Now four times a year instead of once.
PDFs and screenshots, not data
What you actually receive: 14-page PDFs, phone screenshots, partial exports from three different banks — nothing in a format you can post.
Hours of spreadsheet cleanup
Reformatting columns, splitting joint accounts, fixing date formats, hunting missing transactions. Manual every time, for every client.
Client delays push your deadlines
Your filing schedule depends on a client logging into online banking. When they don’t, you slip.
Landlords with five accounts
Multi-property clients hold personal, business and BTL accounts across three banks. Reconciling by hand burns hours.
No defensible audit trail
Email attachments and screenshots aren’t HMRC-grade evidence. When an enquiry lands, you’re reconstructing data from PDFs.
Who it’s for
Built for the firms
MTD ITSA hits hardest.
If your client list looks like this, TaxBloc is built for you.
Sole practitioners
Running a 50–200 client book solo. No procurement, no IT team, no slack in the calendar.
Sole-trader & contractor specialists
Heavy on self-employed clients — the segment hit first by MTD ITSA, and hardest by quarterly filing.
Landlord-focused practices
BTL, HMO and multi-property clients with three banks and five accounts each. Manual reconciliation breaks here.
Bookkeepers preparing for accountants
You’re the one chasing statements and cleaning data. TaxBloc gives the accountant downstream a file they can actually use.
Small firms with 2–10 staff
No InfoSec review, no security questionnaire, no enterprise rollout. Live in an afternoon.
Practices racing to April 2027
The £30k threshold pulls almost every self-employed and landlord client into scope. Manual workflows won’t make it.
How it works
Your client does one thing.
You get everything.
Works alongside your existing software — Xero, QuickBooks, FreeAgent or your own templates.
Send your client a link
Forward a TaxBloc link to your client. They connect their UK bank accounts in under two minutes via FCA-regulated Open Banking. No app to download, no setup.
TaxBloc does the work
We pull, clean and standardise every transaction from every connected account into one consistent file. Same layout, every client, every bank.
You receive a clean CSV
One file. Consistent format. Running balances included. Drops straight into Xero, QuickBooks, FreeAgent or your MTD ITSA workflow — no editing required.
See it in action
From request to CSV
in five steps.
What you see, what your client sees, what lands in your inbox.
Open your console.
Every client, every request, every CSV in one place. See who’s connected, who’s outstanding, and what’s ready to download — the moment you sign in.
Send a consent request.
Pick a client, choose the date range, hit send. TaxBloc emails them an FCA-regulated Open Banking link — nothing for you to install or configure.
Your client gets an email.
A clean, one-click invitation lands in their inbox — branded with your practice. They tap a single button and they’re straight into the secure connection flow.
They connect their bank.
Two minutes, no app to install. Read-only access, time-bounded, FCA-regulated. They confirm and they’re done — they don’t need to do anything else, ever.
The CSV lands in your console.
Cleaned, standardised, MTD ITSA-ready. Drops straight into Xero, QuickBooks, FreeAgent — or your own template. One file, every transaction, running balances included.
Security & trust
Read-only Open Banking.
Audit-ready.
Whoever pulls the data also answers HMRC. The infrastructure has to hold up.
FCA-regulated Open Banking
Connections run through FCA-authorised AISPs under PSD2. The same regulated rails Xero, FreeAgent and high-street banks use — not screen-scraping, not credential capture.
Read-only access
We can see transactions. We cannot move money, change settings or initiate payments. The permission model doesn’t allow it.
No password sharing
Your client never gives you their banking credentials. They authenticate inside their bank’s own app or website. Credentials never touch our systems — or yours.
Client-controlled consent
Your client grants access for a defined period and a defined scope. They can revoke at any time from their banking app. PSD2 mandates re-authorisation every 90 days.
Time-stamped audit trail
Every transaction is sourced from the bank with a timestamp and chain of custody. Evidence for MTD ITSA quarterly submissions and HMRC enquiries.
UK infrastructure, UK rules
UK-based infrastructure. UK GDPR. ICO-registered. Encryption in transit and at rest. We hold only the data needed to deliver the file.
Why sole practitioners choose us
Built for the way
you actually work.
One decision-maker (you)
No procurement. No IT review. No security questionnaire. Sign up, invite clients, get CSVs the same day.
Works with your stack
Xero, QuickBooks, FreeAgent, Sage. We don’t replace your software. We feed it clean data in the format it expects.
No more chasing clients
One link replaces weeks of back-and-forth. Your client connects once. Refresh their data whenever you need to — no further client involvement.
MTD ITSA evidence trail
Time-stamped, sourced directly from FCA-regulated Open Banking. Defensible bank evidence for quarterly digital submissions, year-end and any HMRC enquiry.
Gaps are obvious
Running balances and date-ordered transactions make missing data, duplicates and account discrepancies easy to spot — before HMRC does.
Per-client pricing
Pay for the clients you have. No enterprise overhead, no per-seat penalty for working alone.
How we compare
Compared to your
current options.
| Feature | TaxBloc | PDF Statements | Client Screenshots | Bank CSV Export | Xero / QB Feed |
|---|---|---|---|---|---|
| Clean, standardised format | ✓ | × | × | × | ✓ |
| No manual reformatting | ✓ | × | × | × | ✓ |
| No client software setup | ✓ | ✓ | ✓ | ✓ | × |
| All UK banks covered | ✓ | ✓ | ✓ | ✓ | × |
| All accounts in one file | ✓ | × | × | × | × |
| Running balances included | ✓ | × | × | × | × |
| HMRC-ready audit trail | ✓ | × | × | × | × |
| MTD ITSA-ready output | ✓ | × | × | × | ✓ |
| Cost per year | From £1,800 (Starter, 20 clients) to £6,000 (Practice, 100 clients) | Free | Free | Free | £120–£780 per client |
Practice pricing
One bundle. No per-seat charges.
Three tiers. Switch or cancel any time.
- Up to 20 client accounts
- Unlimited team members
- Unlimited exports per client
- All UK banks supported
- MTD ITSA-ready CSV format
- Up to 100 client accounts
- Unlimited team members
- Unlimited exports per client
- All UK banks supported
- MTD ITSA-ready CSV format
- Audit logs and access controls
- Priority support
- Unlimited client accounts
- Everything in Practice
- Dedicated account manager
- SLA available
- Custom CSV templates
- Priority onboarding for MTD ITSA
Unlimited CSV exports per connected client. Cancel any time.
For your clients
Help your clients send
you the right data.
A one-page explainer your clients can follow. One link, two minutes, you get a clean file.
Common questions
What sole practitioners ask us.
I’m a sole practitioner with 80 clients. Can I be live this week?
Yes. There’s no procurement cycle, no IT review, no security questionnaire. Sign up, invite your first clients, and you’ll be receiving CSVs the same day. Most sole practitioners are fully onboarded within an afternoon.
Does this work with Xero, QuickBooks and FreeAgent?
Yes. Our standardised CSV drops straight into Xero, QuickBooks, FreeAgent, Sage and any spreadsheet. We don’t replace your existing software — we feed it clean, consistent data.
Is the data MTD ITSA and HMRC-compliant?
Yes. Data is sourced directly from banks via FCA-regulated Open Banking and is time-stamped. It meets HMRC’s requirements for bank evidence in Self Assessment, business accounts, and quarterly MTD ITSA digital submissions.
What about my landlord clients with multiple accounts?
This is exactly the case TaxBloc was built for. Landlord clients with messy multi-account banking get all accounts pulled into one consistent file with running balances — no reconciliation work for you.
Can I manage multiple clients under one login?
Yes. Practice accounts let you manage all your clients from a single dashboard, with each client’s data kept separate. No per-seat charges if you bring on a junior or a part-time bookkeeper.
Does my client need to do anything after the first time?
No. Once connected, you can request a fresh export at any time without the client needing to do anything further — unless their bank requires re-authorisation (typically every 90 days under PSD2 rules).
Which banks are supported?
60+ UK banks including HSBC, Barclays, Lloyds, NatWest, Starling, Monzo, Revolut, Santander and more. If your client banks in the UK, we almost certainly cover it.
Is client data stored by TaxBloc?
No. We use read-only Open Banking access and do not store your clients’ credentials or transaction data beyond what’s needed to generate the CSV. The CSV is generated and delivered — we hold nothing long-term.
Get ready for April 2027.
Set up a practice account before the £30k threshold hits.