Simple, honest pricing
Start with Starter, upgrade when you need more.
Early adopter offer — sign up now and keep the £29 Starter rate forever, even when prices change.
Starter
14-day free trial, no card required
Everything a UK SME owner needs to know what is safe to spend.
- Connect unlimited UK bank accounts via Open Banking
- CSV upload for any UK bank
- Automatic VAT detection from your transactions
- Safe-to-Spend dashboard updated daily
- Friday SMS — your Safe-to-Spend every week at 10am
- Reserve account tracking
- Confidence Engine — Green, Yellow, Red status
- Full calculation proof and audit trail
- 1 organisation
- Email support
- Cancel anytime
No credit card required · Cancel anytime
Professional
Everything in Starter, plus accounting integrations and WhatsApp delivery.
- Everything in Starter
- Xero sync — automatic VAT from your accounting software
- QuickBooks sync — automatic VAT from your accounting software
- Friday WhatsApp message — same number, on WhatsApp
- Inbound WhatsApp queries — ask Repayas questions via WhatsApp
- Stripe transaction import
- PayPal transaction import
- Credit and debit card transaction import
- Daily Safe-to-Spend updates (not just weekly)
- Confidence history — track your financial health over time
- Multi-account support
- Priority email support
Be first to know when Professional launches
Accountant
Everything in Professional, built for accountants managing multiple clients.
- Everything in Professional
- Up to 20 client organisations
- Partner dashboard — manage all clients in one view
- Bulk CSV import across all clients
- Client-level confidence and Safe-to-Spend overview
- Monthly VAT Cash Health Report per client
- Invite clients directly from your dashboard
- Accountant referral commission — 20% per active client
- Priority phone and email support
- Early access to new features
Be first to know when Accountant launches
What's included
Compare plans at a glance
| Feature | Starter | ProfessionalQ3 2026 | AccountantQ3 2026 |
|---|---|---|---|
| CORE FEATURES | |||
| Open Banking sync (TrueLayer) | |||
| CSV upload | |||
| Automatic VAT detection | |||
| Safe-to-Spend dashboard | |||
| Friday Safe-to-Spend SMS | |||
| Reserve account tracking | |||
| Confidence Engine (Green/Yellow/Red) | |||
| Full proof and audit trail | |||
| Cancel anytime | |||
| INTEGRATIONS | |||
| Xero sync | — | ||
| QuickBooks sync | — | ||
| Stripe import | — | ||
| PayPal import | — | ||
| Card transaction import | — | ||
| DELIVERY | |||
| Friday WhatsApp message | — | ||
| Inbound WhatsApp queries | — | ||
| Daily Safe-to-Spend updates | — | ||
| REPORTING | |||
| Confidence history | — | ||
| VAT Cash Health Report | — | — | |
| ORGANISATIONS | |||
| Client organisations | 1 | 1 | Up to 20 |
| Partner dashboard | — | — | |
| Bulk CSV import | — | — | |
| Client overview | — | — | |
| Accountant referral commission | — | — | 20% per client |
| SUPPORT | |||
| Email support | |||
| Priority support | — | ||
| Priority phone support | — | — | |
| Early access to new features | — | — | |
Frequently asked questions
Is my bank data secure?
Yes. We connect via TrueLayer, a regulated Open Banking provider authorised by the FCA. Repayas reads your transaction data only. We never see your password, never store your banking credentials, and never move your money.
What banks are supported?
All major UK banks including Lloyds, Barclays, NatWest, HSBC, Halifax, Santander, Monzo, Starling, and more. If your bank is not supported via Open Banking, use our CSV upload — export transactions from your bank and upload them manually in under 2 minutes.
Can I cancel anytime?
Yes. Cancel from your account settings at any time. No contracts, no exit fees, no questions asked. Your data is deleted within 30 days of cancellation.
What if my bank isn't supported?
Use CSV upload instead. Every UK bank lets you export a transaction file. Upload it to Repayas and your Safe-to-Spend is calculated instantly. Takes under 2 minutes.
When is Professional launching?
We are targeting Q3 2026 for the Professional and Accountant plans. Join the waitlist above and we will email you the moment it is available.
What is the Safe-to-Spend number?
Safe-to-Spend is the amount of money in your business account that is genuinely yours to spend — after automatically deducting what you owe HMRC in VAT. It updates every time your bank syncs, and arrives on your phone every Friday at 10am.