Being a freelancer in the UK means dealing with HMRC Self Assessment, Class 4 National Insurance, and Making Tax Digital. FlowFund tracks GBP income, calculates income tax using 2024/25 UK rates, and estimates Class 4 NICs. IR35 aware — helping contractors understand employment status implications. No National Insurance number, no bank connection, zero KYC.
No bank account connection. No identity verification. No credit card.