If you’re self-employed or planning to start your own business in the UK, one of the first things you’ll need for tax purposes is a Unique Taxpayer Reference (UTR) number. Understanding the UTR number online application process is essential for ensuring your tax records are accurate and compliant with HMRC regulations.
In this complete guide, we’ll explain what a UTR number is, who needs it, how to apply online, and how long it takes to receive it — all in one place.
What Is a UTR Number and Why Do You Need It?
A UTR number (Unique Taxpayer Reference) is a 10-digit identifier issued by HMRC to individuals and businesses who register for Self Assessment.
It helps HMRC track your tax records, payments, and returns accurately. You’ll need your UTR number for:
- Submitting Self Assessment tax returns
- Registering as self-employed or a sole trader
- Paying tax on business income
- Working with accountants or tax agents
- Applying for business loans or financial services
In short, your UTR number is like your personal tax ID — and without it, you can’t legally submit your Self Assessment tax return.
Who Needs to Apply for a UTR Number?
You need a UTR number if you:
- Are you self-employed or a sole trader
- Earn income from freelance work
- Own a limited company
- Receive income outside of PAYE (e.g., property rental or investments)
Even if you’re newly self-employed, applying for your UTR number online as early as possible helps you avoid penalties or delays during tax season.
How to Apply for a UTR Number Online
Applying for a UTR number online is simple and can be done directly through the HMRC website. Here’s the step-by-step process:
Step 1: Register for Self Assessment
Go to GOV.UK Self Assessment registration page.
You’ll need to create a Government Gateway account if you don’t already have one.
Step 2: Complete the Online Form
Provide the following details:
- Your full name and date of birth
- National Insurance (NI) number
- Current address and contact details
- Nature of your business or self-employment start date
Step 3: Submit Your Application
Once submitted, HMRC will review your details and issue your UTR number via post — usually within 10 working days (or 21 days if you’re abroad).
Can You Get a UTR Number Without Registering as Self-Employed?
Yes. If you’re not self-employed but need to file a tax return (for example, due to rental income or capital gains), you can still apply for a UTR number online when registering for Self Assessment as an individual.
How to Check Your UTR Number Online
If you’ve already registered but can’t find your UTR, here’s how to recover it:
- Log in to your HMRC online account
- Go to the Self Assessment section
- You’ll see your UTR number displayed on your dashboard
Alternatively, your UTR number can be found on:
- Previous tax returns
- HMRC letters and notices
- The “Welcome to Self Assessment” email
How Long Does It Take to Get a UTR Number?
After completing the UTR number online application, it typically takes:
- 10 working days for applicants in the UK
- Up to 21 days for those living overseas
If you don’t receive your UTR within this time, you can contact HMRC or seek assistance from a tax consultant such as BNA Consulting, who can help track and expedite the process.
Common UTR Number Application Issues
Some applicants face delays or errors due to:
- Incorrect personal details
- Unverified National Insurance numbers
- Missing address information
To avoid these problems, always double-check your data before submitting.
How BNA Consulting Can Help with Your UTR Number Online Application
At BNA Consulting, we specialize in helping individuals, freelancers, and small business owners register for Self Assessment and obtain their UTR numbers quickly.
Our tax experts can:
✅ Guide you through the HMRC registration process
✅ Ensure your application is accurate and compliant
✅ Handle follow-ups with HMRC on your behalf
✅ Assist with ongoing Self Assessment tax filing
Whether you’re a sole trader in London or a small business owner across the UK, our team ensures you get your UTR number smoothly and on time.
👉 Start your UTR number online application with BNA Consulting today and make your tax registration stress-free!
Frequently Asked Questions (FAQs)
What documents do I need for a UTR number online application?
You’ll need your National Insurance number, proof of identity, and basic business details.
Can I apply for a UTR number by phone?
No, HMRC requires you to complete your registration online or via a printed form (SA1).
Do I need a UTR number for PAYE employment?
No, only if you have additional income not taxed through PAYE.
How do I know if I already have a UTR number?
Check your HMRC correspondence or log into your Self Assessment account online.
Can BNA Consulting help me file my tax return after getting a UTR number?
Absolutely! Our team offers comprehensive tax and accounting support, ensuring full compliance and peace of mind.
Final Thoughts
Getting your UTR number online is a crucial first step in managing your tax obligations efficiently. The process is straightforward, but mistakes can cause unnecessary delays.
With BNA Consulting’s expert guidance, you can complete your UTR number online application correctly and move forward with confidence in your tax responsibilities.
👉 Visit bnaconsulting.co.uk to start your UTR number application today and get professional help from UK tax experts.