Your client snaps it
They photograph a receipt or raise an invoice in the Money8 app. That is the only thing they ever have to do.
For UK accounting practices
Your smallest clients are about to file four times a year.
From April 2027, MTD for Income Tax reaches sole traders and landlords earning over £30,000 — then £20,000 in 2028. Money8 collects their receipts and bank data and files their returns to HMRC, without asking them to learn bookkeeping software.
Client book4 clients · 2 need you
Golden Wok TakeawayVAT · sole traderVAT Q2Ready to file
K. Patel — propertyITSA · landlordITSA Q1Review 12 items
S. Mills PlumbingITSA · sole traderITSA Q1Collecting
Fern & Co CaféVAT · partnershipVAT Q2Filed
Receipt captured
M&J Building Supplies
Total£84.20
Your client count stays the same. Your workload multiplies.
×5
submissions per client per year — four quarterly updates plus a final declaration
£20k
the 2028 threshold — the income band least likely to pay for bookkeeping software
4
penalty points before a £200 fine starts landing on your client
HMRC MTD for Income Tax timetable: over £50,000 from April 2026, over £30,000 from April 2027, over £20,000 from April 2028.
Receipts in. Returns out.
Three steps, two apps, one audit trail.
You review it
Line items are extracted and categorised automatically. You confirm, correct, and add bank statement transactions in bulk.
You file it
VAT nine-box returns and MTD Income Tax quarterly updates go straight to HMRC. Every figure traces back to a receipt.
Already on Xero or QuickBooks for your bigger clients? Money8 exports to them — it is not asking you to move your whole book.
The screens you will live in
No stock photography anywhere on this page — every screen below is drawn from the product, shown with sample data.
One queue, every client
Stop chasing twelve inboxes. Receipts from every client land in one review queue with suggested categories and a confidence marker, so you can batch a whole client book in one sitting.
8 high-confidence extractionsApprove all
Screwfix Direct14 Jun · £23.98Equipment
Booker Wholesale13 Jun · £312.40Purchases
Shell Ruislip12 Jun · £68.11Vehicle fuel?
VAT, filed
The nine boxes are computed from source documents, never typed into. Expand any box to see the transactions behind it, drill through to the receipt, and submit — the HMRC receipt ID is stored with the return.
VAT return · 1 Apr – 30 JunGolden Wok Takeaway · GB 915 8471 02Submitted to HMRC
Box 1VAT due on sales£4,821.09
↳ 63 transactions · view receipts14 Jun · Card takings · £1,204.00
Box 4VAT reclaimed on purchases£610.43
Box 5Net VAT dueDerived£4,210.66
HMRC receipt f39d-8c21-a04e
Bank statements without the retyping
Upload a statement PDF and get reconciled transactions back, with an opening-to-closing balance check that proves nothing was missed or invented.
statement-june.pdf41 transactions
03 JunCARD PAYMENT — BOOKER LTD−£312.40
05 JunFASTER PAYMENT — J HARDING+£840.00
09 JunDD — BRITISH GAS BUSINESS−£96.35
Opening → closing balance verified
Where Money8 fits
A calm comparison of product categories — most practices run a mix, and should.
| Full ledger software, per client | Capture tool + separate filing tool | Money8 | |
|---|---|---|---|
| Who logs in | Your client, daily — in theory | Your client captures; you file somewhere else | Your client's camera. Your dashboard. |
| What the client has to learn | Bookkeeping software | One capture app, plus your other process | Taking a photo |
| Receipt capture | Included, at ledger prices | The core feature | Included |
| Bank data | Bank feeds | Usually a separate product | Statement PDF import, balance-checked |
| Files to HMRC | From the ledger | Needs the second tool | VAT and MTD Income Tax, same screen |
| Suits clients under £85k turnover | Rarely cost-effective | The per-client fees stack up | Built exactly for them |
Comparison of product categories, not specific vendors. Check current pricing with each supplier.
Priced for the clients you currently write off.
Per client, per month. No per-user seat charges, no charge for your client's mobile app.
Early access
£5per client / month
Final pricing is being set with our design partners. Practices joining now keep their rate.
- Client mobile app (unlimited users)
- Receipt and invoice capture
- Automatic extraction and categorisation
- Bank statement import
- VAT return preparation and HMRC filing
- MTD Income Tax quarterly updates
- Export to Xero, QuickBooks and CSV
- Role-based staff access
- Full audit trail
Do I have to move my existing clients?
No. Money8 is for the clients who are not on software today. Keep Xero or QuickBooks for the clients who suit them — Money8 exports to both, plus CSV.
What happens to my data if we stop?
You can export every transaction, receipt image and submission record as CSV and PDF at any time, and we delete your practice's data on request. No lock-in is the point.
Is Money8 HMRC-recognised?
Money8 files through HMRC's Making Tax Digital APIs with OAuth agent access and full fraud-prevention headers. We are completing HMRC's production approval with our design-partner practices — ask for the current status when you book.
Does my client pay anything?
No. The mobile app is included in your per-client price, with unlimited users per client. Your clients never see an invoice from us.
Built for compliance, not just convenience
Filing is a legal act. The plumbing is engineered accordingly.
HMRC MTD plumbing
OAuth-connected agent access with fraud-prevention headers on every call — the transport HMRC's production standards demand.
Full audit trail
Every figure in a return links back to the receipt or bank line it came from. Nothing is hand-typed into a box.
UK GDPR, EU-hosted
Data encrypted in transit and at rest, hosted in the EU, processed under UK GDPR. Ask us to export or delete your data at any time.
Role-based access
Accountants see only the clients linked to them; clients see only their own records — enforced in the database, not just the interface.
We are onboarding a small number of practices for the 2027 cycle.
Design partners get direct input into the roadmap, hands-on migration of your first client book, and preferential pricing for as long as you stay.