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“Coconut has made my life so much easier. Being able to track income, expenses and get an estimate of how much tax I need to pay has made running my business so much better. The customer service is fantastic - I couldn’t recommend it more.” - Declan

“The features on this app are a godsend for freelancers. I can see all my invoices at a glance, send invoices from the app and so much more. It has made the money part of working as a freelancer so much more straightforward.” - Emma

Coconut handles your self-employed business finances from payments through to tax return. Helping you know where you stand, and empowering you to do your best work.

It’s free to get started and quick to set up.

How can Coconut help you?

• All your business finances in one place: Connect your existing current accounts and credit cards or open a Coconut UK business current account in minutes
• Effortless record keeping: We automatically categorise your business income and expenses, ready for end of year tax and filings
• Quick and easy invoicing: Create, send and manage invoices straight from the app
• Never miss a business expense: With helpful guidance about what you can and can't claim, we help you maximise your tax savings
• Take control of your finances: Know how much you owe our with tax estimator and be prepared for your tax return with our self-assessment report
• Your money is safe: All funds are stored in a segregated account, safeguarded under UK Electronic Money Regulations 2011

How do you get started?

1. Download the app for free
2. Create an account in minutes
3. Start using Coconut to manage your business finances!

What’s New

Version 1.21.0

The one where invoicing gets some love.

Have they seen your invoice? Did it go straight to junk? In times like these, we want to make it easier for you to chase payments, so we’ve implemented read receipts on your invoices. We’ll even tell you if it’s gone into a spam folder.

You can now also choose which account details are listed on your invoice, selecting from any of the accounts you have connected to the app.
We’ve also made some improvements to our onboarding experience to make getting set up with Coconut easier than ever.

Ratings and Reviews

4.4 out of 5
231 Ratings

231 Ratings

Jocornishgirl ,

Coconut is the ultimate banking/accounting mash up!

Can’t rate this app enough. It makes managing the finances of self employment so easy. You can send invoices from it at the touch of a few buttons, label incoming and outgoing finances easily, get a rough idea of amount of tax you’ll need to pay and it’s cheap to use compared to other accounting software. The team are super friendly and helpful and I love how they’re always trying to improve the service by listening to their users. The reason I’ve not given it 5 stars is because is does glitch now and again (nothing major) and there is still a little room for improvement but this is all part of the journey and I’m confident that the team will continue to make improvements to ensure this app is 100% perfect for its users. Well done Team Coconut!

RastaM0use ,

So easy to use and well designed!

Well designed, easy to use and intuitive. Coconut has so many useful features, like an invoice tool to directly invoice your clients through the app and once they pay you, Coconut automatically matches the invoice with the payment and marks it as paid. There is a powerful client search tool for adding addresses and contact information to invoices too. You also get notifications for any account activity. Expenses/purchases made are auto categorised and every category has an information tab that gives advice and details about that category. You can add notes and attachments to all purchases, so you remember what they were for. You can instantly get an estimate of how much you are likely to owe HMRC at the end of the tax year and generating reports is really easy and there are lots of handy advice tabs to make bookkeeping easier. Best of all, the support section is very honest, upfront and transparent and the help team are efficient and quick to respond. There are lots of features on the roadmap (which is public) and if/when they are implemented, I really do think Coconut will be an all in one Accounting and Business account solution for Freelancers and Sole traders like me.

Khandiz ,

Great app, excellent customer service

If I could, I would give Coconut 4.5 stars. While I love the app and customer service deserves 10/10 there are still some functions that I feel are needed. Granted, many of these are on the ‘roadmap’ and I do hope to see them come to become available very soon. Notably receiving international payments. I do appreciate there are some work arounds using other services, also the option to have not only a cash/basis for accounting and ways to split expenses on the same receipt. Once these are in place, I wouldn’t hesitate giving Coconut 5 stars


Coconut Platform Ltd
169.4 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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