Countingup: pricing, features & alternatives (2026)
Reviewed by the Resale IQ data team · Last verified 8 Oct 2026 · Next check 7 Nov 2026 · How we check
Countingup is a UK business current account with built-in bookkeeping and tax tools, priced by monthly deposits at GBP 5, 12 or 20 per month after a 3-month free trial (checked 8 Oct 2026).
Pricing (checked 8 Oct 2026)
| Plan | Price | Billing | What it includes |
|---|---|---|---|
| Deposits GBP 0 to 750 | GBP 5 | per month, by total monthly deposits | Banking, accounting and tax features, free invoicing and payment links |
| Deposits GBP 750.01 to 7,500 | GBP 12 | per month, by total monthly deposits | The same features |
| Deposits above GBP 7,500 | GBP 20 | per month, unlimited deposits | The same features |
A 3-month free trial, after which the monthly subscription is based on the total monthly deposits into the account, as stated on the pricing page. Checked 8 Oct 2026 on the vendor's own page. Every subscription includes all banking, accounting and tax features. Extra fees apply: account transfers and Direct Debits out are 3 free a month then GBP 0.27, an ATM withdrawal is GBP 1, foreign transactions carry 3% and a replacement card is GBP 5. The page says customers who joined before 3 August 2026 on one sort code are on older pricing.
Platforms and features
The pricing page lists:
- Free invoicing and payment links, with notifications when an invoice is paid
- Receipt capture and storage in the app, with automatic categorisation
- A real-time tax estimate, tax deadline reminders and a tax pot that earns 1.2% variable interest
- VAT returns filed directly to HMRC through a Making Tax Digital solution at no extra cost
- Cash-flow and performance reports
- Secure sharing of data with an accountant, and an offer of business loans from iwoca
Countingup is a bank account first and an accounting app second, so using it means moving business money into a new current account. That is a real decision and not only a software choice. The price follows the total monthly deposits, which for a reseller means takings that arrive in the account, so a seller whose sales grow can move up a band without changing anything. Eligible deposits are described as protected by the FSCS up to GBP 120,000. The bank features are provided by a partner, named on the page as Griffin. Resale IQ does not give accounting or tax advice; ask a qualified adviser how your resale income is treated where you live.
Who it is for, and who it is not for
Good fit: A UK sole trader or small limited company who wants a business account, invoicing and a live tax estimate in one app, with VAT returns to HMRC.
Poor fit: A seller outside the UK, and anyone who does not want to open a new business bank account just for the bookkeeping.
Pros and cons
Pros
- Three public prices
- 3-month free trial
- VAT returns to HMRC included
- Accounting, banking and tax in one app
Cons
- Requires opening a business account
- Price rises with monthly deposits
- Transfer, ATM and foreign fees apply
- UK only
These come from the vendor's own pages and documentation, not from user reviews. No star rating or score is shown for this listing.
How it pairs with Resale IQ
Countingup keeps the money and the books. Resale IQ helps with the buying decision from Vinted EU asking prices. How your resale income is taxed is a question for an adviser or HMRC, not this directory.
Check an item before you buy it
Resale IQ gives BUY, WATCH or SKIP and a maximum price for a named model, from Vinted EU asking prices and observed departures.
Run a free check →Alternatives
- FreeAgent: USD 22/month as shown
- Xero: From GBP 18/month excl. VAT
- Wave: Free; Pro USD 19/month
- Zoho Books: Free plan; paid from USD 20/month
More in Accounting and tax: FreshBooks, Holded, Indy.
Frequently asked questions
How much does Countingup cost?
On 8 Oct 2026 the pricing page showed GBP 5, GBP 12 or GBP 20 per month depending on total monthly deposits, after a 3-month free trial.
Is Countingup a bank?
The page says accounts are powered by Griffin and eligible deposits up to GBP 120,000 are protected by the FSCS.
Can Countingup file VAT returns?
Yes. The page says it files VAT returns directly to HMRC with a Making Tax Digital compliant solution at no extra cost.
Sources and method
- Countingup pricing, read 8 Oct 2026
Every price is copied from the page linked above on the date shown and is not converted between currencies. If a figure is not published we write "Not published". Method and corrections.
Is something wrong or out of date? Send a correction or claim this listing. Factual corrections with a vendor URL are applied within 5 business days.