Ovaro
Start first invoice
Back home

Honest comparison

Ovaro vs Coconut.

Coconut combines a business bank account with simple bookkeeping for sole traders. Ovaro focuses purely on voice-first invoicing, expenses and MTD readiness — and works with the bank account you already have.

In one line: Coconut bundles banking with bookkeeping. Ovaro keeps your banking where it is and gives you the fastest invoicing and MTD prep on the market.

First invoice freeBasic £3.99/moPremium £6.99/moSee plans

Feature-by-feature

Side-by-side.

FeatureOvaroCoconut
Bank account includedNo — bring your ownYes
Send an invoice by voiceYesNo
30-second invoice from the vanYesManual entry
MTD for Income Tax 2026Built to HMRC specMTD-ready
HMRC expense categoriesTagged automaticallyYes
VAT support0%, 5%, 20%Limited
Pay-by-card on every invoiceOne clickBank-transfer only
Starting UK priceFrom £8/moFrom £4/mo + banking fees

Pricing and features compared in good faith from each provider's public UK pages. Always check the current plan before deciding.

The honest take

Which one is right for you.

Choose Ovaro if

You're happy with your current bank account and want world-class invoicing, expenses and MTD prep on top of it. You take card payments and want one-click pay links on every invoice.

Choose Coconut if

You want a single app that's also your business bank account, and you're willing to switch banking to get it.

See it for yourself in 60 seconds.

Your first invoice is included — create it, send it, get paid via Stripe. Then £3.99/mo Basic or £6.99/mo Premium.

Start your first invoice See how Ovaro works →
First invoice freeBasic £3.99/moPremium £6.99/moSee plans

Other comparisons

Browse Ovaro

For your trade

Free tools

Compare Ovaro

Resources