Do I need a separate bank account for delivery work?
Not legally, as a sole trader. Practically it makes the bookkeeping much easier and is worth doing on day one.
Last checked 12/09/2026.
Not legally. A sole trader and their business are the same person, so there is no rule saying the money has to be kept apart. Limited companies are different.
It still makes life much easier. When every platform payment and every work cost sits in one account, reconstructing a year takes an afternoon instead of a weekend, and it is far easier to show HMRC what happened if they ask.
It does not have to be a business account. A second personal current account is usually fine for a sole trader and avoids monthly fees, though check your bank's terms, as some prohibit business use of a personal account.
The other reason is behavioural. Money for tax that is sitting in the account you buy groceries from is money that gets spent.
Related
What records do I actually need to keep?
Every payment in, every allowable cost out, and a mileage log with dates and journeys. Enough that somebody else could rebuild your return from it.
HMRC & taxUpdated 19/08/2026
How do I register as a sole trader?
Online at gov.uk, through your Government Gateway account. It takes about ten minutes and you need your National Insurance number.
HMRC & taxUpdated 19/08/2026
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