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How to file your VAT Return using Zempler Bank Online Banking

If your business is VAT registered and above the £85,000 threshold, you’re required to follow the Government’s Making Tax Digital (MTD) process and use MTD compliant software to submit your VAT returns.

Here’s how to file your VAT return through Zempler Bank Online Banking using our HMRC-recognised tool. 

  1. Log in to Online Banking

    This feature is only available in Online Banking and not the Zempler Bank app.

  2. Go to the Making Tax Digital tool

    If you have a business account, head to Add-ons > Making Tax Digital

    If you have a business credit card, head to ‘Settings’

  3. Sign in to HMRC

    You’ll be asked to sign in to HMRC via your Government Gateway and grant authority to Zempler Bank to interact with HMRC on your behalf. To do this, you’ll need to provide your VAT number and your Government Gateway login details.

  4. Download the Zempler Bank VAT Return XLSX spreadsheet

    To create your VAT Return file:

    Open the Zempler Bank VAT Return spreadsheet and add your figures from your sales and purchases spreadsheet.

    You can’t enter numbers directly into the spreadsheet, they must be links to your sales and purchases master spreadsheet. To do this, you need both your sales and purchases spreadsheet AND your VAT Return XLSX spreadsheet open.

    To add the data to the VAT Return document, click the field you want to add data to in your VAT Return document, type ‘=’ and then click the field in your sales and purchases spreadsheet that you want to display.

    Save or export your VAT Return document. Make sure it’s saved as an XLSX (Excel) file.

  5. Upload your VAT file

    Return to the Zempler Bank VAT Return tool and upload your VAT file.

    Once uploaded, we’ll ask you to check the details.

    If it all looks correct, submit your VAT Return.

To learn more about Making Tax Digital, check out HMRC for a range of useful information.


  • As a responsible bank, your security is our number one priority. To help guard your data, we have strict systems and processes in place. For information on how we manage your personal information and data, please refer to our privacy policy.

  • If you have your VAT number, Government Gateway Login and your sales and purchases data spreadsheet ready, filing your VAT Return through Online Banking should take around 10 minutes.

  • If you’re filing your VAT return through Online Banking, we will ask you to sign in to your Government Gateway account and grant authority to  Zempler Bank to interact with HMRC on your behalf. This will allow Zempler Bank to submit your VAT Return to HMRC at your request.

  • Our Zempler Bank VAT Return tool works with any version of Microsoft Excel that supports XLXS documents.

    You can use Numbers or Google Sheets to fill in your VAT Return spreadsheet but you need to make sure you save the file as an XLSX Excel document. You can choose the format when you go to save or export in non-Excel platforms.

  • No, you can’t update your VAT return once it’s been submitted. If you need to correct your VAT return, please contact HMRC directly.

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For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

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