Personal Tax Account HMRC
Personal Tax Account HMRC
Want to sign in to your HMRC Personal Tax Account? Discover how to access or set up your account, check your tax code, manage Self Assessment, view National Insurance records and claim eligible tax refunds.
HMRC Personal Tax Account: Sign In, Register & Manage Your Tax
Your HMRC Personal Tax Account is a free, secure online service that lets you check your tax code, review PAYE income, manage Self Assessment, claim eligible tax refunds and access information about your National Insurance and State Pension.
Already registered? Use the official GOV.UK link below. New users can create sign-in details during the process. HMRC will guide you towards Government Gateway or GOV.UK One Login, depending on your circumstances.
Official government website: gov.uk · Free to use · The Online Accountants is independent of HMRC.
What can you do with your HMRC Personal Tax Account?
Your account brings together many of your personal tax records and HMRC services in one place.
Income Tax & PAYE
Check your tax code, estimated Income Tax and employment income records for previous tax years.
Tax refunds
Check whether you can claim an Income Tax repayment and follow the available HMRC refund process.
Self Assessment
Access your Self Assessment records, manage returns and check relevant tax liabilities and payments.
National Insurance
Find your NI number and access relevant services for checking contributions and voluntary payments.
State Pension
Access State Pension information and check whether voluntary National Insurance contributions could help.
Personal details
Update your name or address, check benefits in kind, and manage relevant allowances and HMRC records.
Important: Not every service is available to every taxpayer. Your options depend on your tax circumstances, registration status and the services HMRC has enabled for you.
How to set up an HMRC Personal Tax Account
You do not need to pay an accountant or a third party to register for a Personal Tax Account.
Visit the official HMRC website
Go to GOV.UK Personal Tax Account and select the option to start or sign in.
Choose your sign-in route
If you already use HMRC online services, continue with your existing sign-in details. If you are new, select the option to create new sign-in details. HMRC will direct you to the appropriate service.
Enter your details
Follow the on-screen instructions to provide your email address and other required information. The process differs between Government Gateway and GOV.UK One Login.
Verify your identity if requested
HMRC may ask you to prove your identity using accepted identification documents or other verification methods. A passport or driving licence may be useful. Follow the options offered on screen.
Access your personal tax records
Once signed in, you can access the services available to you, such as checking your tax code, finding your UTR or managing Self Assessment.
2026 update: GOV.UK One Login is being introduced across HMRC services. Existing Government Gateway users should not automatically create a replacement account. Continue using your current credentials until HMRC instructs you otherwise.
Government Gateway vs GOV.UK One Login
HMRC supports two sign-in methods during the transition to GOV.UK One Login. The correct option depends on whether you already have HMRC sign-in details.
| Feature | Government Gateway | GOV.UK One Login |
|---|---|---|
| Sign-in identifier | Government Gateway user ID | Email address |
| Password | Yes | Yes |
| Existing HMRC users | Continue using it if this is your current method | Use it if already enabled for your HMRC services |
| New HMRC users | HMRC guides you to the appropriate account creation process | |
| Future transition | Being replaced over time | Planned long-term government sign-in system |
Read our GOV.UK One Login guide for further information about the transition.
How to use your Personal Tax Account
Check your tax code
Access your PAYE Income Tax information and review the tax code HMRC holds for your employment or pension.
If your circumstances have changed, check whether you need to update your income or benefits information.
Find your UTR number
If you already have a Unique Taxpayer Reference, you may be able to find it in your account.
Having a Personal Tax Account does not automatically register you for Self Assessment.
How to get a UTR number →Manage Self Assessment
Use the relevant Self Assessment service to view, submit or amend returns and check tax due.
Registration may be required before you can submit your first return.
Self Assessment filing guide →Check refunds and allowances
Review relevant tax records, claim eligible refunds, check Marriage Allowance and update benefits in kind.
Some claims require separate forms or additional HMRC processes.
Personal Tax Account vs Business Tax Account
HMRC provides different online services for individuals and businesses. Having a Personal Tax Account does not automatically give you access to every business tax service.
| Personal Tax Account | Business Tax Account |
|---|---|
| Personal PAYE and tax codes | Business-related HMRC services |
| Personal Self Assessment access | Corporation Tax for companies |
| Personal tax refunds and allowances | Employer PAYE services |
| Personal tax records and pension information | VAT and other enrolled business taxes |
| Relevant to employees, directors, pensioners and self-employed individuals | Relevant to businesses and employers, depending on their registrations |
For company directors: You may need a Personal Tax Account for your individual tax affairs and separate business access for your company's Corporation Tax, VAT or employer PAYE.
Can't sign in to your HMRC Personal Tax Account?
Forgotten your login details?
Use the recovery options on the official HMRC sign-in page. The process depends on whether you use Government Gateway or One Login.
Not receiving a security code?
Check the available verification methods. Government Gateway users may be able to change how they receive access codes.
Account temporarily locked?
Government Gateway accounts may be locked after repeated incorrect sign-in attempts. HMRC advises that these unlock after two hours.
Unable to verify your identity?
Follow the alternative methods offered by HMRC. If you cannot complete the process, use HMRC's official online support channels.
Is the HMRC Personal Tax Account safe?
HMRC uses secure sign-in and identity verification processes to protect your personal tax information. You should still take precautions when accessing your account.
✓ Always use GOV.UK
Start at the official Personal Tax Account page rather than following unfamiliar links in messages.
✓ Keep login details private
Do not share your Government Gateway password, One Login password or security codes with anyone, including your accountant.
Using an accountant? Your accountant should use HMRC's approved agent authorisation process. You should not give them your personal HMRC login details.
HMRC Personal Tax Account FAQs
What is an HMRC Personal Tax Account?
It is a free online HMRC service for viewing and managing personal tax information, including Income Tax, tax codes, Self Assessment, refunds and certain National Insurance records.
How do I log in to my Personal Tax Account?
Visit gov.uk/personal-tax-account and follow the sign-in instructions. Use your existing Government Gateway or GOV.UK One Login details where applicable.
Is an HMRC Personal Tax Account free?
Yes. HMRC does not charge for creating or using a Personal Tax Account.
Do I need Government Gateway or One Login?
Existing users should continue with their current HMRC sign-in method. New users should follow HMRC's registration instructions, which may direct them to GOV.UK One Login.
Can I find my UTR in my Personal Tax Account?
Yes, if HMRC has already issued you a UTR, it may be available through your Personal Tax Account. You must register separately if you need a new Self Assessment UTR.
Can I file my Self Assessment tax return?
Yes, eligible registered taxpayers can access Self Assessment services to submit and manage their tax returns.
Can I use the Personal Tax Account on my phone?
Yes. You can access HMRC services through a mobile browser or use the official HMRC app, which supports various personal tax services.
Is my Personal Tax Account the same as a business account?
No. A Personal Tax Account covers individual tax affairs. A Business Tax Account provides access to relevant business tax services such as VAT, employer PAYE and Corporation Tax.
Can my accountant access my Personal Tax Account?
Your accountant can act on your behalf through approved HMRC agent authorisation arrangements. You should not share your personal sign-in credentials.
Can I check my State Pension through HMRC?
Yes. Your Personal Tax Account provides access to State Pension information and relevant National Insurance services. Some pension services may open separately.
Need more than access to your HMRC account?
Your Personal Tax Account helps you manage your tax records, but it does not replace professional tax advice. The Online Accountants can help with Self Assessment, tax returns and more complex personal tax matters.
Official HMRC sources and further reading
- GOV.UK — Personal Tax Account
- HMRC — Sign in or set up an account
- HMRC — GOV.UK One Login guidance
- HMRC — Official mobile app
Guide reviewed: 6 October 2026. General UK tax information only. HMRC processes and account features may change. Always follow the latest instructions on GOV.UK.