Ovaro
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Honest comparison

Ovaro vs FreeAgent.

FreeAgent is a respected UK accounting tool, free for many NatWest, RBS, Mettle and Ulster Bank customers. Ovaro is voice-first invoicing built for tradespeople. Here's where each one wins.

In one line: FreeAgent is excellent traditional accounting software you operate at a desk. Ovaro is built for people whose desk is a van seat — voice in, invoice out, MTD-ready in the background.

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

Feature-by-feature

Side-by-side.

FeatureOvaroFreeAgent
Send an invoice by voiceYesNo
30-second invoice from the vanYesNo — desktop-first workflow
Free with a UK bank accountNo — 7-day free trial then from £8/moFree for NatWest / RBS / Mettle / Ulster customers
MTD for Income Tax (April 2026)Built to HMRC specRecognised
VAT under MTDYesYes
Self Assessment filingAccountant export today, direct filing on MTD launchDirect filing for sole traders
Designed for tradesYes — electricians, plumbers, cleaners, handymenGeneral-purpose freelancer / small business
Mobile-first captureVoice + receipts on the spotManual entry / receipt scan

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 a tradesperson or single-operator service business who lives on a phone, not a laptop. You want invoicing to take seconds, expenses to file themselves into HMRC categories, and MTD to be a non-event.

Choose FreeAgent if

You already bank with NatWest, RBS, Mettle or Ulster and want a free, well-established tool you'll operate from a desk. You're comfortable doing your own Self Assessment in-app today.

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

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