Free MTD software and free routes
Not yet hands-on tested. Some bank accounts include FreeAgent. Whether your account still includes it is a question for the bank, not a finding from this site.
Key takeaways
- Not yet hands-on tested.
- FreeAgent is the product named with NatWest, Royal Bank of Scotland, Ulster Bank and Mettle offers.
- Check the bank’s current terms.
- HMRC’s software list is the compatibility check.
Bank routes people ask about
FreeAgent has been offered with some NatWest, Royal Bank of Scotland, Ulster Bank and Mettle accounts. This site has not opened those accounts or used the software. Treat the offer as something to confirm on the bank’s own page, on the day you look.
A free route that is not on HMRC’s compatible list is not a route for Making Tax Digital updates. Check the software list.
Sources
- GOV.UK: Find out if and when you need to use Making Tax Digital for Income Tax
- GOV.UK: Use Making Tax Digital for Income Tax
- GOV.UK: Get ready for MTD, an agent toolkit
- GOV.UK: Reduction of the mandation threshold from £30,000 to £20,000 from April 2028
- GOV.UK: Find software that's compatible with Making Tax Digital for Income Tax
- GOV.UK: Repossessing your privately rented property after 1 May 2026
- GOV.UK: Renting out your property, guidance for landlords and letting agents
Reviewed by
Christopher Norton
UK Property Tax & Making Tax Digital Specialist
FCCA and Chartered Tax Adviser. Director of Norton and Sons Associates Property Tax Firm. Property tax and MTD compliance since 2005.
Figures updated: Content reviewed: October 2026Independent. Not affiliated with HMRC, GOV.UK or any software provider.