Head-to-head
Vupiy vs FreeAgent — multi-company vs free-with-bank.
FreeAgent is the UK freelancer favourite — single £33/month plan, free for NatWest, RBS, Ulster, and Mettle banking customers. Strong on IR35, Self-Assessment, and HMRC MTD ITSA prep. But it's single-company only. Vupiy ranges from £0 Starter to £49 Practice with multi-company built in.
Where each one wins.
Vupiy wins on…
- Multi-company in one login (FreeAgent forbids it)
- £12 Pro vs £33 — over 60% cheaper for non-NatWest customers
- 25+ branded PDF templates (FreeAgent has 2–3)
- Built-in employee scheduling with UK bank holidays
- Native Türkçe interface
- Per-tenant Stripe (FreeAgent's Stripe integration is limited)
FreeAgent wins on…
- £0/month for NatWest, RBS, Ulster, Mettle banking customers
- Direct HMRC MTD VAT submission
- MTD ITSA (Self-Assessment) bundled — major IR35 plus
- UK Open Banking feed (one of the first in the UK)
- Smart Capture OCR for receipts
- Strong human support (UK Edinburgh-based team)
The bank-perk effect.
If you bank with NatWest, RBS, Ulster or Mettle, FreeAgent is free for as long as you stay a customer. That's a real perk Vupiy can't match. But the moment you have a second company — or you're not on those banks — Vupiy is sharply cheaper.
| Scenario (monthly, excl. VAT) | Vupiy (best fit) | FreeAgent |
|---|---|---|
| 1 company, NatWest banking | £12 (Pro) — or Starter £0 | £0 |
| 1 company, other UK bank | £12 (Pro) | £33 |
| 2 companies, NatWest banking | £12 (Pro) | £33 (1 free + 1 paid) |
| 3 companies, any bank | £12 (Pro) | £99 (3 separate accounts) |
| 5 companies, any bank | £24 (Business) | £165 (5 separate accounts) |
Side-by-side capabilities.
| Capability | Vupiy | FreeAgent |
|---|---|---|
| Multi-company per login | Unlimited | No |
| Branded PDF templates | 25+ | 2–3 |
| Stripe payment link | Per-tenant | Limited |
| Automated payment reminders | From £12 (Pro) · up to 10 / invoice | From £19 (single plan) · recurring intervals |
| Built-in scheduling | Yes | No |
| Native Türkçe UI | Yes | No |
| MTD VAT submission | Roadmap | Yes |
| MTD ITSA (Self-Assessment) | Roadmap | Yes |
| Open Banking | Roadmap | UK first |
| OCR receipt capture | Manual upload | Smart Capture |
| IR35 reports | No | Yes |
Multiple companies? Try Vupiy free.
FreeAgent free for NatWest/RBS customers is a great perk for one company. The moment you add a second, Vupiy Pro at £12 wins — and Business £24 covers 5 + scheduling.