<div id="readability-page-1"> <time datetime="2026-01-30T10:28:00+00:00"> Friday 30 January 2026 10:28 am </time> <figure> <div> </div> <img width="742" height="495" src="https://imageproxy.pbkrs.com/https://www.cityam.com/wp-content/uploads/2024/05/HMRC-1.webp/query-dz03NDI?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" original-src="https://imageproxy.pbkrs.com/https://www.cityam.com/wp-content/uploads/2024/05/HMRC-1.webp/query-dz03NDI"/> <figcaption>HMRC has already begun writing to affected taxpayers</figcaption> </figure> HSBC UK is launching a new digital tax tool inside its business banking platform, as the countdown to the government’s biggest shake-up of income tax reporting enters its final phase.Built using embedded tech from Sage, the service, called My Business Finances, will allow small business owners to manage invoicing and tax reporting.The move comes ahead of Making Tax Digital for Income Tax (MTD ITSA), which comes into force from April.The new legislation will require millions of sole traders and landlords to submit quarterly digital updates to HMRC, followed by end-of-year declarations.Initially, the HSBC tool will be available to sole traders and landlords, the first groups to be brought into the new regime, with the bank aiming to simplify what many small firms see as a complex and costly compliance shift.Tom Wood, head of SME business banking at HSBC UK, said: “Tax compliance can be time-consuming and costly. This will take care of invoicing, accounting and tax compliance all in one place, which is especially useful ahead of new requirements in April.”<h2 id="h-annual-returns-to-quarterly-reporting">Annual returns to quarterly reporting</h2>From April 2026, landlords earning more than £50,000 will be required to keep digital records and submit updates every three months.Lower income thresholds will be phased in over the following two years.The rules effectively replace the traditional once a year self-assessment with a rolling reporting cycle.Industry bodies have repeatedly warned that many landlords and small businesses remain under-prepared.HMRC has already begun writing to affected taxpayers, prompting a surge of queries to agents and accountants alike.Sage said embedding its tech directly into a banking platform could help reduce friction for customers unfamiliar with accounting software.Gordon Stuart, senior vice-president of fintech and embedded services at Sage, said small firms “want to focus on doing what they do best, without the burden of complex admin”.The launch comes amid a wider shift among banks and software providers to position themselves as MTD enablers rather than just payment providers.Sage unveiled its own AI-driven MTD automation tools last year, while accountants warn that manual spreadsheets and legacy systems are no longer compatible with HMRC’s requirement for “digital links” between records and submissions. </div>

匯豐控股

SAGA

匯豐控股有限公司

滙豐

滙豐英國正在推出一款數字税務工具——我的商業財務（My Business Finances），旨在幫助小企業主進行開票和税務報告，以應對 2026 年 4 月生效的個人所得税數字化（Making Tax Digital for Income Tax，MTD ITSA）立法。該工具與 Sage 合作開發，旨在簡化個體經營者和房東的合規流程，他們需要向 HMRC 提交季度更新。此舉旨在解決關於新税務要求複雜性和成本的擔憂，因為許多小企業仍未為從年度報告過渡到季度報告做好準備

HSBC and Sage tackle Making Tax Digital burden for SMEs

- HSBC UK 推出新數字税務工具，名為 My Business Finances，助力小型企業管理發票和税務。  
- 新法規將要求超過 $50,000 收入的房東在 2026 年 4 月起每季度提交數字更新。  
- HMRC 已開始聯繫受影響納税人，行業警告許多小企業仍未做好準備。

滙豐和 Sage 攜手應對中小企業在數字化税務方面的負擔