See what Pandle offers UK small businesses: a free bookkeeping plan plus a £5/month Pro tier with MTD filing, live chat support, and multi-currency invoicing.
Category
Accounting
Pricing
Freemium: a permanently free plan covering bank feeds, invoicing, receipt uploads, and mileage tracking, plus a paid Pandle Pro tier at £5/month (plus VAT), billed monthly with no annual discount and a 14-day free trial requiring no card details.
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Last updated
August 6, 2026
BookkeepingFree PlanCloudFreemium
Pandle is a UK-focused, cloud-based bookkeeping platform aimed at small businesses, sole traders, freelancers, and charities. Its core plan is permanently free and includes bank feeds, receipt uploads, invoicing and quoting, project profitability tracking, cash flow forecasting, mileage tracking, and unlimited users with configurable permissions. A paid Pandle Pro tier (£5/month plus VAT, 14-day free trial, no card required) unlocks live chat support from trained bookkeepers, premium invoice templates, stock control, multi-company management, Making Tax Digital (MTD) VAT and Income Tax submissions, multi-currency support, PayPal and Stripe feeds, payment acceptance via Pandle Pay, bank rules, recurring transactions, and detailed business reporting. Pandle reports over 105,000 active users and is HMRC-recognized for Making Tax Digital compliance, positioning it as an accessible alternative to larger UK accounting platforms for freelancers and very small businesses.
Key Features
Bank Feeds & Bank Rules — Connects to UK bank accounts for automated transaction feeds, with rules to auto-categorize transactions (via Plaid Financial Ltd. partnership).
Invoicing & Quoting — Create and send customizable invoices and quotes, with payment reminders and premium templates on the Pro tier.
Making Tax Digital (MTD) Compliance — HMRC-recognized submissions for MTD VAT returns and MTD Income Tax, available on the Pandle Pro plan.
Cash Flow Forecasting & Reporting — Forecast cash flow and access business reports to track financial performance, with deeper reporting on Pro.
Project Profitability Tracking — Track income, expenses, and profitability by individual project.
Multi-Currency & Payment Feeds — Pro tier adds multi-currency support plus PayPal and Stripe feeds, and payment acceptance via Pandle Pay.
Pros & Cons
Pros
Genuinely free permanent tier covering bank feeds, invoicing, and mileage tracking, not just a time-limited trial
Low-cost Pro upgrade at £5/month with MTD-compliant VAT and Income Tax submissions
Live chat support staffed by trained bookkeepers rather than generic support agents
Unlimited users included even on the free plan, useful for small teams
Cons
No annual billing discount is offered, only monthly pricing
Several commonly needed features (multi-currency, PayPal/Stripe feeds, stock control, MTD submissions) are locked behind the paid Pro tier
Focused specifically on UK tax and compliance rules, so less suited to businesses operating outside the UK