For landlords managing multiple properties, staying on top of finances is already complex. Add Making Tax Digital (MTD) compliance into the mix, and the challenge multiplies. Many landlords initially turn to MTD bridging software to meet HMRC’s requirements. While these tools may appear to simplify submissions, they often fall short when it comes to real-world property management scenarios — especially if you operate multiple bank accounts across different properties. 

The Hidden Complexity of Multiple Bank Accounts 

Landlords often separate property income and expenses across multiple bank accounts for clarity, legal requirements, or convenience. However, basic MTD bridging software is usually designed to handle only a single stream of financial data. This creates several issues: 

• Data fragmentation: Transactions are scattered across accounts, making reconciliation slow and error-prone. 
• Manual entry overload: Bridging software often requires importing and manually mapping multiple bank statements. 
• Risk of misclassification: Different income types or expenses may be categorised inconsistently, raising compliance risks. 

For landlords, these limitations are more than an inconvenience. Incorrect categorisation or missed transactions can trigger HMRC penalties or complicate future audits. 

Why MTD Bridging Software Alone Isn’t Enough 

While MTD bridging software can handle simple setups, it rarely addresses multi-account scenarios effectively. Landlords with multiple properties, joint ownership structures, or complex profit-sharing arrangements often find that bridging tools cannot fully automate the submission process. This means that instead of saving time, landlords end up spending hours reconciling accounts before filing MTD returns. 

How RentalBux Solves the Multi-Account Problem 

RentalBux was built specifically for Making Tax Digital for landlords who need more than a basic bridge to HMRC. Here’s how it tackles the pain points that bridging software often misses: 

• Automated Bank Feeds: Connect all your accounts to RentalBux and let the software automatically import transactions. No manual downloads, no missing payments. 
• Property-Level Accounting: Track income and expenses per property or per owner, even if you have multiple accounts linked to the same property. 
• Profit-Sharing Made Easy: RentalBux supports joint ownership and multiple profit splits, eliminating the need for complex spreadsheets. 
• MTD-Ready Submissions: Every transaction is categorised in line with HMRC requirements, making submissions simple, accurate, and audit-ready. 

By integrating property management and MTD compliance, RentalBux ensures that managing multiple bank accounts doesn’t turn into a compliance nightmare. 

Conclusion: Think Beyond Basic MTD Bridging Software 

If you manage more than one bank account or have complex property arrangements, relying solely on basic MTD bridging software will likely create more work than it solves. Platforms like RentalBux provide a single solution that combines property management, automated accounting, and MTD-ready reporting. For landlords aiming to stay compliant while saving time, this integration is no longer a luxury — it’s a necessity.