Hi Leah,
Thank you for reaching out. It's understandable that dealing with multiple accounts for your childminding business feels complicated, especially when getting ready for Making Tax Digital for Income Tax Self Assessment (MTD for ITSA). We are here to help simplify this for you!
The good news is that you do not have to link all your personal bank accounts to Clear Books to meet the MTD digital record-keeping requirement. In fact, given you use multiple personal accounts, the easiest and most efficient approach for you is to use our Manual Income & Expense Entry method, please see: How to manually record income and expenses
The traditional method of linking bank accounts works best if all your business income and expenses flow through a single, dedicated business account. For your situation with multiple personal accounts, manually recording your totals is much simpler and avoids the extra work of filtering out numerous personal transactions from multiple feeds.
Ease of Use: This method only requires using the "Record income" and "Record expenses" buttons on your Dashboard.
Simplicity: It removes the need to configure and manage multiple bank accounts within Clear Books entirely.
MTD Compliant: This process is perfectly acceptable and fully compliant with HMRC's MTD for ITSA digital record-keeping rules.
Tommy
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