Countingup
Accounting software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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£3 per month
Free Trial
Free version unavailable
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What is Countingup
Countingup is a UK-focused business current account and accounting app that combines banking with basic bookkeeping and tax support. It targets freelancers and small businesses that want to track income and expenses, capture receipts, and monitor cash flow from a single mobile-first interface. The product emphasizes automated categorisation and real-time visibility based on bank transactions rather than a full general-ledger-first accounting suite. It also provides features oriented to UK compliance workflows such as VAT and self-assessment support.
Banking and bookkeeping combined
Countingup links a business current account with transaction-led bookkeeping in one product. This reduces the need to connect a separate bank feed into an accounting system and can simplify day-to-day reconciliation. For very small businesses, the combined workflow can be easier to maintain than a broader finance suite with more configuration.
Mobile-first expense capture
The app supports receipt capture and attaches documentation to spending activity, helping users keep records alongside transactions. This is useful for sole traders who manage finances primarily from a phone. It aligns with common small-business needs for lightweight expense tracking without deploying a larger back-office system.
UK tax-oriented tracking
Countingup includes tools aimed at UK tax workflows, such as VAT-related tracking and support for estimating tax liabilities. This can help users maintain ongoing visibility into what they may owe rather than calculating it only at period end. The focus is practical for UK-based microbusinesses that want guidance embedded in day-to-day bookkeeping.
Limited advanced accounting depth
Countingup is not positioned as a full-featured accounting platform for complex general ledger, multi-entity consolidation, or advanced revenue recognition. Businesses that need robust audit trails, configurable chart-of-accounts structures, or sophisticated financial controls may outgrow it. Larger finance teams typically require deeper reporting and period-close functionality than a bank-led app provides.
UK-centric product scope
The product is designed around UK banking and UK tax concepts, which can limit suitability for companies operating primarily outside the UK. International requirements such as multi-currency accounting, country-specific tax handling, and cross-border banking workflows may not be fully supported. This can be a constraint for businesses with global operations or non-UK compliance needs.
Ecosystem and integrations vary
Compared with broader accounting and finance platforms, integration breadth with third-party payroll, inventory, or industry-specific systems may be more limited. If a business relies on a connected stack, it may need additional tools or manual processes to bridge gaps. This can increase operational overhead as requirements expand beyond core income/expense tracking.
Plan & Pricing
| Plan (monthly deposits) | Price | Key features & notes |
|---|---|---|
| £0 – £750 | £3 per month | Monthly subscription charged after trial; subscription tier adjusts automatically based on total monthly deposits; transaction fees apply from day one. |
| £750 – £7,500 | £9 per month | Same features as above; tier set by total monthly deposits. |
| £7,500+ (Unlimited) | £18 per month | Same features as above; unlimited deposit band. |
Notes:
- New accounts: 3-month free trial stated on the official Pricing page.
- Transaction fees (official site): Account transfers in/out 30p; Direct debit out 30p; Foreign transactions 3%; ATM withdrawals £1 each; PayPoint cash load 3%; Replacement card £5. The Pricing page lists Post Office cash load as 0.5% (£2 min) while the Support article lists Post Office cash load as 3% — official pages show a discrepancy; confirm with vendor if Post Office cash-load (%) is material to your decision.
Seller details
Countingup Limited
London, UK
2017
Private
https://countingup.com/
https://x.com/countingup
https://www.linkedin.com/company/countingup/
