KashFlow Promo Codes & Review 2026: Features, Pricing, Pros & Cons

Is KashFlow right for your business? See features, plans, and savings.

January 27, 2026 • 5 min read •

KashFlow is a specialist in UK online accounting, recognized for streamlining bookkeeping, VAT returns, and payroll for small businesses. With a focus on compliance and automation for over a decade, KashFlow now delivers a robust all-in-one solution built for non-accountants and sole traders alike, offering simplicity without sacrificing power as the demands of digital tax and real-time payments evolve into 2026.

From Launch to 2026: The KashFlow Timeline

2005: KashFlow launches as an early UK online accounting pioneer for small businesses.
2013-2019: Expands functionality: invoicing, VAT, payroll, payments integration, and compliance for tax digitalization.
2020-2023: Grows with Making Tax Digital (MTD), integrated payment gateways, and mobile-first updates. Acquired by IRIS Software Group, aligning with large accounting suite ecosystems.
2024-2026: Evolution sees sharper focus on automation, tailored workflows for non-accountants, real-time banking feeds, and extensive partner integrations. Promotion strategy revolves around aggressive introductory pricing and a highly accessible trial experience.

KashFlow delivers actionable, real-time insights-no developers required.

Key Features by Capability

Making Tax Digital (MTD) Compliance: Seamlessly prepare and submit VAT returns online direct to HMRC, including full support for new MTD Income Tax rules rolling out through 2026.
Invoicing & Quotes: Generate unlimited quotes and invoices (plan-dependent). Customize branding, convert quotes to invoices, and add pay-now buttons to get paid faster.
Bank Feeds & Reconciliation: Automatic syncing with leading UK banks. Quickly match transactions and streamline bank reconciliation (transaction caps on lower tiers).
Payments Integration: Out-of-the-box support for partners like IRIS Pay, GoCardless, Square, and more. Accept cards and direct debit, automate reminders for overdue payments.
Reporting & Dashboard: 50+ out-of-the-box reports: profit & loss, balance sheet, VAT, and self-assessment. Customizable dashboard gives real-time financial visibility.
Expenses & Purchases: Track and manage business expenses, upload receipts (including a dedicated mobile app and receipt capture tools).
Payroll (option add-on): Integrated UK payroll solution for small business and managed payroll outsourcing, aligning with latest government schemes.
Multi-user & Multi-currency: Multi-user collaboration and full multi-currency support in Business plan and above.
Mobile Access: Dedicated iOS/Android app for invoicing, expense capture, and key features on the go.

Workflow & User Experience

Setup: Cloud-native platform-offers streamlined onboarding and guided trial, no card required. Targeted at non-accountants.
Automation: Automated reminders for payments, real-time data feeds, and direct HMRC reporting mean less admin and faster month-ends.
Customization: Branded invoices, customizable workflows for recurring clients, permissions for multi-user plans, and Zapier integration for extended automations.
Accessibility: Intuitive UI, mobile app complements full browser experience, support content and live assistance available to all users.

KashFlow Pricing Plans

Plan	Key Features	Pricing
Starter	Unlimited quotes, up to 10 invoices/month Reconcile up to 25 bank transactions Bank feeds Single user CIS VAT and MTD included Access to 50+ reports Mobile app and Zapier available	£1.25/month (first 6 months, new customers) £12.50/month regular or £90/year + VAT (annual save)
Business	Everything in Starter, plus: Unlimited invoices and bank transactions Multi-user access Multi-currency Repeat invoices & purchases Priority integrations & advanced workflow	£2.55/month (first 6 months, new customers) £25.50/month regular or £165/year + VAT (annual save)

KashFlow vs Mainstream Competitors

Feature	KashFlow	Xero	QuickBooks	FreeAgent
UK MTD Compliance	Fully supported	Supported	Supported	Supported
Starter Price (est.)	From £1.25/mo (intro offer)	£15/mo	£14/mo	£14.50/mo
Unlimited Invoices?	Yes (Business), 10 (Starter)	No (restrictions on lowest tier)	Yes	Yes
Direct HMRC Filing	Yes	Yes	Yes	Yes
Built-in Payroll	Add-on available	Add-on	Add-on	Included
Mobile App	iOS/Android full-featured	iOS/Android	iOS/Android	iOS/Android
White-label/Accountant Portal	Yes (Accountant solution included)	No	No	No
Free Trial	Yes (no card required)	Yes	Yes	Yes

Pro Tip: Starter plan is ideal for sole traders or contractors needing digital VAT filing and core invoicing, while Business unlocks unlimited transactions, multicurrency, and robust team features. Always check promo pricing on your initial term with KashFlow to maximize savings.

[promo_headline brand=”KashFlow”]

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Integrations & Automation

Bank Feeds: Direct links to major UK banks for automatic reconciliation.
Payments: IRIS Pay, GoCardless, Square, and more for flexible payments.
Zapier: Connect KashFlow to 5,000+ external SaaS systems for automation (CRM, eCommerce, marketing, and more).
HMRC: Integrated digital reporting and compliance gateways.

Pros & Cons

Pros	Cons
Exceptionally easy MTD compliance and VAT submissions Intro offers are among the lowest for UK accounting SaaS No-credit-card, no-commitment free trial Solo, SMB, and accountant solutions all in one platform Genuine small business focus, UK support	Transaction/invoice caps on Starter may limit growing firms Payroll not included by default, must be added separately Fewer native integrations than global competitors Advanced inventory or job costing may require third parties UK-centric: may not fit non-UK regulatory needs

Final Thoughts

With a clear focus on UK small businesses and sole traders, KashFlow stands out for automated compliance, accessible pricing, and streamlined workflows. The platform’s no-nonsense approach keeps things simple, while optional accountant and payroll modules add scalability as needs grow. If your priority is hassle-free digital tax, rapid payments, and full HMRC alignment, KashFlow delivers exceptional value-especially with introductory rates for new signups. For advanced inventory or industry-specific needs, explore alternative integrations or competitors.