I’m a sole trader/freelancer. My business is so simple at the moment that I don’t need any fancy accounting software/invoicing platform. I’m still just using Excel!
And I did away with the separate business account I had because I wasn’t using any of the things HSBC were charging a monthly fee for.
I’d be delighted if you invented a free business bank account for us lone operators, preferably one which was integrated with my current account on the app and looked just like another pot… an earnings in-pot, so to speak.
I’d also like to be able to accept payments from abroad without fees decimating my earnings.
And, I think I said it on another thread elsewhere, I’d love to have that Coconut function that automatically works out how much tax I need to put aside from each incoming payment and moves it to a tax pot.