Know what's safe to spend. Today.
Repayas connects to your business account, automatically calculates your VAT liability, and tells you exactly what is safe to spend today. No more guessing.
Open Banking secured by TrueLayer · 14-day free trial · No card required · Cancel anytime · UK only
Safe to spend today
£3,247
How it works
Three steps. No accountant required.
Connect your bank securely
Link your business account via Open Banking. Your credentials are never stored.
We automatically calculate your VAT liability and protect it from your balance
Repayas reads your transactions, detects VAT-rated items, and calculates exactly what needs protecting. Your Safe-to-Spend updates automatically.
Get your Safe-to-Spend every Friday by SMS
Every Friday at 10am, Repayas texts you one number — what is safe to spend over the weekend. No app to open. The truth arrives on your phone.
Why Repayas?
Built on one principle: tell the truth about your money.
Built for UK SMEs
Built for UK business owners who have been surprised by a VAT bill. Know what is yours to spend and what belongs to HMRC — every single day.
The engine works it out for you
Most tools ask you to enter your VAT liability manually. Repayas detects it automatically from your transactions. You never have to guess what you owe.
Friday SMS keeps you in control
Every Friday at 10am, one SMS. Your Safe-to-Spend number for the weekend. No login required. Just the truth on your phone.
Stop guessing. Start knowing.
Connect your bank in under 2 minutes. Know your Safe-to-Spend today.
Start your free 14-day trial