Everything you wanted to ask about Ovaro.

Ovaro is voice-first invoicing, expenses, mileage and Making Tax Digital software for UK sole traders and self-employed people. You speak the job; Ovaro turns it into an invoice or estimate, sends a payment link, and keeps the digital record HMRC needs.

UK sole traders, freelancers and self-employed tradespeople — electricians, plumbers, cleaners, handymen, gardeners, decorators, mobile mechanics and anyone who quotes jobs and gets paid by customers directly.

No. Ovaro is designed for self-employed people who do their own books. But if you do have an accountant, you can export a clean CSV at any point so they can file your Self Assessment without rebuilding your year.

Your first invoice journey is free end-to-end: create it, send it and connect Stripe. After that, plans start at £3.99/mo.

Tap the mic, say something like 'invoice John Smith 240 pounds for bathroom tap fitted today'. Ovaro parses the customer, amount, line items and due date, shows you a preview, and you tap send.

No. Every screen also works by typing. Voice is the fastest way, but the keyboard form is always there.

Currently UK English. We're testing other regional accents continuously.

Yes. Voice produces a draft preview. You can edit any field — customer, line items, amounts, VAT, due date — before sending or saving.

Every invoice includes a secure payment link powered by Stripe. Customers can pay by card or Apple Pay / Google Pay on their phone — no app or account needed.

Standard UK Stripe rates apply (1.5% + 20p for UK cards at the time of writing). Ovaro doesn't add any markup on top.

Payouts hit your bank account on the standard Stripe schedule — typically 2–3 working days after the customer pays.

Yes. Ovaro keeps digital records by default, tags expenses to HMRC categories, and produces quarterly summaries ready for MTD for Income Tax (starting April 2026). See the dedicated /making-tax-digital page for full details.

Yes. We track VAT at 0%, 5% and 20% on both invoices and expenses, and produce VAT-period summaries you or your accountant can file.

No — you stay in control of submissions to HMRC. Ovaro makes the underlying data correct, categorised and ready, so filing (by you or your accountant) takes minutes instead of weeks.

Log business trips manually or from your phone. HMRC's approved mileage rates (45p / 25p) are baked in, so your mileage claim is always correct.

Your first invoice journey is free end-to-end. After that, Basic is £3.99/mo and Premium is £6.99/mo. Full breakdown on the /pricing page.

Yes. No contracts, no notice period. Cancel from your account and you stop being billed at the end of the current period.

If something isn't right within 14 days of a paid charge, email support@ovaro.io and we'll refund the most recent month.

Yes. Data is encrypted in transit and at rest, hosted in the EU/UK, and you own everything — export to CSV at any time.

Your account stays accessible for 30 days after cancellation so you can export. After that the data is permanently deleted.

Yes — Ovaro works on iOS, Android and the web. Voice works best on mobile because you're usually on a job site.

You can draft invoices and capture receipts offline; they sync automatically when you're back online.

Yes — we support CSV import for customers and historic invoices, and direct imports for the most common formats. Contact support and we'll help you migrate.

Banking in Ovaro is a secure UK system that allows approved financial applications to access banking information with your permission. Ovaro uses it to import transactions and help match invoice payments — read-only, with bank-level encryption.

No. Ovaro is a financial management and invoicing platform for freelancers and small businesses. We are not a bank, lender or accounting firm.

No. Ovaro only uses read-only banking access. Ovaro cannot send payments, transfer funds or withdraw money.

Bank connections are powered by Plaid, an FCA-authorised banking provider regulated in the UK.

No. Your online banking credentials are never shared with Ovaro. Authentication happens securely through your bank or banking provider.

UK banking regulations require banking permissions to be reconfirmed periodically to keep your data secure. Ovaro will let you know when it's time to renew.

Ovaro can import transactions, help match payments to invoices, help create expenses and improve bookkeeping workflows. We don't sell or share your banking data.

Yes. You can disconnect at any time from your Ovaro settings — syncing stops immediately. You can also revoke access through your bank or banking permissions dashboard.

Supported banks depend on availability through Plaid and banking integrations. Most major UK high-street and challenger banks are supported.