technically, HMRC doesn’t require you to open a business bank account if you’re a sole trader (gov.uk guidance). But here’s the thing: having a separate account isn’t just about ticking boxes. It’s about making your business and your life a whole lot easier.

MTD doesn’t have to be scary. With the right software in place, it can actually make your day‑to‑day bookkeeping easier, not harder. And that’s where Xero comes in.