United Kingdom
Aarvo is built for UK businesses of all types - sole traders, limited companies, partnerships, landlords, and CIS subcontractors. Full Making Tax Digital (MTD) compliance is built in.
Making Tax Digital (MTD)
Aarvo is MTD compliant. This means you can maintain digital records, calculate tax, and submit returns directly to HMRC from within the platform - meeting all MTD requirements without additional software.
MTD compliance covers both VAT (live for all VAT-registered businesses) and Income Tax Self Assessment (ITSA), which is being phased in for sole traders and landlords.
What's available for UK businesses
VAT returns - Calculate and submit MTD-compliant VAT returns directly to HMRC. View obligations, liabilities, payments, and penalties. Standard, flat rate, and cash accounting schemes supported.
Self Assessment (ITSA) - For sole traders and landlords. Submit quarterly updates and annual returns to HMRC. View business details, obligations, and annual summaries.
Property and landlord returns - Dedicated return types for UK landlords. Submit property income quarterly and annually, with separate tracking from your main business income.
CIS (Construction Industry Scheme) - Full CIS support for construction subcontractors. Track CIS deductions, manage CIS income records per customer, and handle gross payment, standard deduction, and higher deduction rates.
HMRC agent authorisation - For accounting firms managing UK clients. Invite and manage agent relationships, check authorisation status, and submit on behalf of clients.
Losses and Business Income Source Summary (BISS) - Track brought-forward losses and generate business income summaries for HMRC.
Tax calculations - Trigger and retrieve full tax calculations from HMRC, including final declarations.
HMRC fraud prevention
UK law requires all MTD-compatible software to send fraud prevention headers with every HMRC API request. Aarvo handles this automatically - no configuration needed on your end.
Open banking
Most major UK banks are supported through open banking. Transactions sync automatically with read-only access. If your bank isn't supported, CSV upload is available as a fallback.
UK tax rates
Standard UK VAT rates are pre-configured: 20% (standard), 5% (reduced), 0% (zero rated), exempt, and no VAT. Custom rates can be added if needed.