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Coconut Free
Visit Coconut Free websiteView HMRC listing
Our notes
Coconut Free is a 2-year free Coconut subscription for users who open a new Zempler Bank account through the app. Without the bank account it is just a 14-day trial.
Pros
- Two years of full Coconut at no cost
- Quarterly updates and tax return HMRC-listed
- Bridging and records options
Cons
- Requires a new Zempler business bank account
- Free ends after 2 years
- Eligibility conditions apply
Price
Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.
- Cheapest MTD-capable plan
- Coconut Free (via Zempler Bank)
- Per month
- Free
- Per year
- Free
- VAT
- n/a
- Notes
- 2 years free ('worth up to £238') if you open a new Zempler Bank account through the app, subject to eligibility; otherwise 14-day trial then paid plans (see 3150).
- Landlord pricing
- included. Same Coconut product.
- Agent/accountant pricing
- unknown. Not published.
Really free?
- Quarterly updates free
- yes (while offer applies)
- Tax return (final declaration) free
- yes (HMRC lists tax return)
- Limits
- Offer is 2 years.
- Bank account condition
- Must open a NEW Zempler Bank account via Coconut, subject to eligibility
- Time limit
- 2 years
Landlords and spreadsheets
- Jointly owned property
- unknown. No vendor evidence.
- Excel bridging
- yes (Coconut spreadsheet template, one-click upload)
- Google Sheets bridging
- unknown
- CSV import
- unknown
- Bridging notes
- MTD Bridging plan = Coconut's own spreadsheet template uploaded to Coconut; quarterly updates only.
Checked 17 Oct 2026. Sources:www.getcoconut.com, www.getcoconut.com, www.getcoconut.com, www.getcoconut.com
HMRC listing
What the software provider has told HMRC. “In development” means the provider has committed to building it in time for the 2026 to 2027 tax return.
Features
| Free version | Ready now |
|---|---|
| Agent software | Ready now |
| Individual software | Ready now |
| Software that creates digital records | Ready now |
| Bridging software that connects to records | Ready now |
| Standard update period (6 April to 5 April) | Ready now |
| Calendar update period (1 April to 31 March) | Ready now |
| Making Tax Digital for VAT | Ready now |
| HMRC Assist (Submission Feedback) | Ready now |
Business income
| Sole trader | Ready now |
|---|---|
| UK property | Ready now |
| Foreign property | Ready now |
Other income sources and items
| Employment (PAYE) | In development |
|---|---|
| UK dividends | In development |
| State Pension income | In development |
| Private pension incomes | In development |
| Partner income from a partnership | In development |
| Foreign dividends | In development |
| Foreign interest | In development |
| Private pension contributions | In development |
| Construction Industry Scheme | In development |
| Charitable giving | In development |
| Capital Gains | In development |
| Student Loan | In development |
| Marriage Allowance | In development |
| Voluntary Class 2 National Insurance | In development |
| High Income Child Benefit Charge | In development |
| UK interest | In development |
Accessibility
| Blindness or impaired vision | Not included |
|---|---|
| Deafness or impaired hearing | Not included |
| Motor or physical difficulties | Not included |
| Cognitive impairments | Not included |
Platform
| Software type | Desktop application Web browser |
|---|---|
| Compatible with | Microsoft Windows Mac OS Linux |
| Mobile App | Android Apple iOS |
| Language | English |