Sole trader & personal income blend
Limited company
Sole Proprietor Accounts
Personal & Professional Mix
Designed for Independence
Part of Future Roadmap
Subject to regulatory licensing
ABOUT THE PROJECT
Where Work and Life Blend, We Bring Balance and Control.
Banking shouldn’t get in the way of how you work.
Caledonia supports sole proprietors with tools that make it easy to manage personal and professional finances in one seamless space.
Simple, adaptive, and built around real freelance life.
Overview
Built for sole traders who blur the line between life and work, our account simplifies income, tax, and daily banking — without forcing you into boxes.
Many freelancers and sole traders have one account for everything — groceries and invoices, tax savings and morning coffee. And most banks don’t know how to deal with that. The result? Confusion, guesswork, and financial tools that either overcomplicate or oversimplify.
Caledonia is different. We understand that your income isn’t always consistent, but your needs are. That’s why our account doesn’t force you to separate your life into boxes. Instead, we give you one clear view with smart layers underneath — automatic buffers, real-time tax estimates, nudges when things look tight, and rewards for healthy habits that support financial resilience.
We’ve designed the experience to be effortless. You don’t need to label every transaction or fiddle with categories. Our system learns how you work, and adapts to your rhythm — helping you stay in control without micromanaging.
Because financial stability isn’t about perfection. It’s about visibility, consistency, and the ability to make confident decisions even when things are in motion.
One account for personal and freelance income
Automatic tax buffer with real-time estimates
Built-in invoicing and low balance alerts
Smart transaction sorting that learns your habits
Cashflow insights without spreadsheets
Gentle nudges when patterns shift
Movement rewards that unlock perks over time
You shouldn’t have to choose between simplicity and control.
With Caledonia, you get both — in one account that works the way you do.
Business Accounts
Business-Led Finances
Designed for collaboration
Part of Future Roadmap
Subject to regulatory licensing
ABOUT THE PROJECT
Built for Structure. Ready for Growth.
When you’re a freelancer with a company behind you, your needs shift. Caledonia’s business account supports incorporated professionals with the structure, clarity, and control to scale with confidence.
Overview
Designed for freelancers running limited companies, our account brings together business compliance, real-time insights, and flexible tools that help you stay on top — without slowing you down.
Running your business shouldn’t mean wrestling with old systems, disconnected tools, or banking that feels like a chore. You need a setup that’s modern, responsive, and built to reflect how real digital businesses operate.
Caledonia’s business account combines speed with structure. It supports your workflows — from invoicing and expense management to VAT planning and payroll readiness — all from one intuitive interface.
Whether you’re handling clients across borders or getting ready to grow your team, everything is streamlined, accessible, and built with the compliance layer already baked in.
We also understand that freelancers operating as Ltd companies often wear every hat: director, creator, accountant, marketer. So we’ve built tools that simplify admin, improve decision-making, and give you real-time visibility over cashflow, credit access, and tax position.
You focus on the work.
We’ll handle the rest.
Business current account built for freelancers and small teams
Multi-user access with custom roles and permissions
VAT support tools and real-time income snapshots
Built-in invoicing and automated expense matching
Accounting integrations (Xero, FreeAgent, QuickBooks)
Smart cashflow reporting and forecast alerts
Access to invoice financing and credit options
Built with your business in mind — and your time in focus.
Because real growth needs more than good intentions. It needs better tools.
These offerings form part of our planned roadmap and will be introduced subject to regulatory approval.
We’re building for the future of work — and for the people shaping it.